US 12,437,304 B2
Intelligent coordination of transaction processing in a multi-device network
Puneetha Polasa, Telangana (IN); Bhagya Lakshmi Sudha Lavanya Mallidi, Hyderabad (IN); Udaya Kumar Raju Ratnakaram, Hyderabad (IN); and Sandeep Kumar Chauhan, Hyderabad (IN)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Mar. 23, 2022, as Appl. No. 17/702,480.
Prior Publication US 2023/0316289 A1, Oct. 5, 2023
Int. Cl. G06Q 20/40 (2012.01)
CPC G06Q 20/405 (2013.01) [G06Q 20/4014 (2013.01); G06Q 20/409 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for automatically initiating transactions through a network, the method comprising:
receiving, by an authorized computing device in a multi-device private network of a networked computing system and from a first computing device, a request to join the multi-device private network;
determining, by the authorized computing device and based on receiving, from the first computing device, a token unique to the multi-device private network, that the first computing device is approved to join the multi-device private network;
transmitting, by the authorized computing device and to the first computing device, communication and network protocol information enabling the first computing device to communicate with other devices in the multi-device private network;
updating a device registry to add the first computing device to a plurality of computing devices within the multi-device private network;
detecting, by the authorized computing device, a change in processing load associated with at least one computing device of the plurality of computing devices within the multi-device private network;
in response to the detecting, transmitting, to each computing device of the plurality of computing devices within the multi-device private network, a signal including a polling request for data about each computing device of the plurality of computing devices within the multi-device private network;
receiving, in response to the polling request, data about each computing device of the plurality of computing devices;
based on the data about each computing device of the plurality of computing devices, removing, from the device registry, a second computing device of the plurality of computing devices within the multi-device private network;
transmitting, to each remaining computing device of the plurality of computing devices within the multi-device private network, updated membership data of the remaining computing devices of the plurality of computing devices within the multi-device private network;
detecting, by the networked computing system, a plurality of transactions initiated by one or more computing devices of the remaining computing devices of the plurality of computing devices within the multi-device private network, the multi-device private network providing access to a wide area network, wherein the networked computing system is configured to manage electronic transactions initiated by the one or more computing devices of the remaining computing devices of the plurality of computing devices in the multi-device private network;
storing, by the networked computing system, transaction attributes for the plurality of transactions in a transaction history database, the transaction attributes including one or more of: a cost, a quantity of a product, a date, or a device identifier;
automatically generating, by the networked computing system, a transaction triggering event, including:
determining, based on sensor data received from computing devices of the remaining computing devices of the plurality of computing devices within the multi-device private network, a pattern of behavior from the plurality of transactions stored in the transaction history database, including identifying a recurring type of transaction for a particular product;
upon determining the pattern of behavior:
identifying one or more common transaction attributes between the plurality of transactions; and
defining a transaction triggering condition requiring the identified one or more common transaction attributes; and
implementing, by the networked computing system, the transaction triggering event, wherein the transaction triggering event is configured to cause the authorized computing device in the multi-device private network to generate, without user input and prior to transaction authorization, a transaction for purchasing a product upon the transaction triggering condition defined in the transaction triggering event being satisfied, wherein implementing the transaction triggering event includes:
causing a computing device of the one or more computing devices of the remaining computing devices of the plurality of computing devices in the multi-device private network to monitor for the transaction triggering condition defined in the transaction triggering event; and
causing a new transaction for purchasing the product to be generated, without user input, in response to determining that the transaction triggering condition has been met.