	US 12,136,078 B2
	System for secure peer-to-peer interactions with event-based confirmation triggering mechanism
Craig D. Widmann, Chandler, AZ (US); and Eren Kursun, New York, NY (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on May 27, 2022, as Appl. No. 17/826,463.
Application 17/826,463 is a division of application No. 16/595,012, filed on Oct. 7, 2019, granted, now 11,379,815.
Prior Publication US 2022/0292480 A1, Sep. 15, 2022
Int. Cl. G06Q 20/22 (2012.01); G06F 16/23 (2019.01); G06Q 20/02 (2012.01); G06Q 30/06 (2023.01)

CPC G06Q 20/223 (2013.01) [G06F 16/2379 (2019.01); G06Q 20/02 (2013.01); G06Q 30/06 (2013.01)]

20 Claims

1. A system for event-based peer-to-peer resource transfers, the system comprising:

a controller configured for tracking and confirming resource transfers, the controller comprising a memory device with computer-readable program code stored thereon, a communication device connected to a network, and a processing device, wherein the processing device is configured to execute the computer-readable program code to:

generate a resource transfer for transferring a resource from a first user device to a second user device, wherein the resource transfer comprises conditional events stored and placed on blocks on a blockchain, wherein the conditional events comprise a predetermined period of time having elapsed since acceptance of the resource transfer without a tracking label of a package being scanned, the tracking label of the package being scanned, and determining, via GPS, that another device is at a physical delivery location;

receive, from the first user device and the second user device, acceptance of the resource transfer;

generate a first record of the acceptance of the resource transfer;

store the first record as a first block on the blockchain;

receive, after receiving the acceptance of the resource transfer, the resource from the first user device, wherein the resource is held separate from the first user device and the second user device;

determine, after receiving the acceptance of the resource transfer, whether the tracking label of the package has been scanned;

determine, after receiving the acceptance of the resource transfer, whether the predetermined period of time has elapsed since the acceptance of the resource transfer without the tracking label of the package being scanned;

cancel, based on determining that the predetermined period of time has elapsed since acceptance of the resource transfer without the tracking label of the package being scanned, the resource transfer;

return, based on cancelling the resource transfer, the resource to the first user device;

generate, based on determining that the tracking label of the package has been scanned, a second record of the tracking label of the package being scanned;

store the second record as a second block on the blockchain;

generate, based on determining that the tracking label of the package has been scanned and based on determining that the predetermined period of time has not elapsed since acceptance of the resource transfer without the tracking label of the package being scanned, a third record of the predetermined period of time not having elapsed since acceptance of the resource transfer without the tracking label of the package being scanned;

store the third record as a third block on the blockchain;

determine, based on determining that the tracking label of the package has been scanned, based on determining that the predetermined period of time has not elapsed since acceptance of the resource transfer without the tracking label of the package being scanned, and via GPS, whether the other device is at the physical delivery location;

generate, based on determining that the other device is at the physical delivery location, a fourth record;

store the fourth record as a fourth block on the blockchain; and

based on determining that the tracking label has been scanned, based on determining that the predetermined period of time has not elapsed since acceptance of the resource transfer without the tracking label of the package being scanned, and based on determining that the other device is at the physical delivery location, trigger the transfer of the resource to the second user device.