US 12,143,375 B2
Systems and methods for tracking, authenticating, and generating resource distributions to trusted entities in a network environment
Katherine Kei-Zen Dintenfass, Lincoln, RI (US); and Sandra Ann Breece, Mooresville, NC (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Aug. 15, 2022, as Appl. No. 17/888,125.
Prior Publication US 2024/0056432 A1, Feb. 15, 2024
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/062 (2013.01) [H04L 63/0853 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system for tracking, authenticating, and generating resource distributions to trusted third parties, the system comprising:
a memory device with computer-readable program code stored thereon;
at least one processing device operatively coupled to the at least one memory device operatively coupled to the at least one memory device and at least one communication device, wherein executing the computer-readable code is configured to cause the at least one processing device to:
track a resource input distribution to a first user account;
receive a third party distribution request from the first user account, the third party distribution request comprising at least a portion of the resource input distribution;
identify a plurality of categories for the trusted third party distribution set, the plurality of categories comprising at least one of a type of entity, a type of entity function, or a type of geolocation;
generate a potential third party distribution set, the potential third party distribution set comprising a plurality of potential third parties;
transmit the potential third party distribution set to a second user account;
receive a plurality of accepted third parties from the second user account;
update the trusted third party distribution set with the plurality of accepted third parties; and
authenticate a third party associated with the third party distribution request, the authentication of the third party comprising a comparison of the third party against a trusted third party distribution set,
wherein, in an instance where the third party matches at least one trusted third party of the trusted third party distribution set, allow a third party distribution associated with the third party distribution request.