US 12,481,970 B2
Error detection for wire-transfer requests in wire-transfer applications in a computing environment
Noel Ciminello, North Dartmouth, MA (US)
Assigned to Truist Bank, Charlotte, NC (US)
Filed by Truist Bank, Charlotte, NC (US)
Filed on Jun. 7, 2023, as Appl. No. 18/330,892.
Prior Publication US 2024/0412178 A1, Dec. 12, 2024
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/02 (2012.01)
CPC G06Q 20/10 (2013.01) [G06Q 20/023 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a processing device; and
a non-transitory memory comprising instructions that are executable by the processing device for causing the processing device to:
monitor a plurality of communication channels between a plurality of applications and a wire-transfer application configured to perform wire transfers, the plurality of applications comprising a wire-initiating application configured to transfer a plurality of wire-transfer requests to the wire-transfer application and a wire-reporting application configured to generate reporting data for the plurality of wire-transfer requests, wherein:
the wire-transfer application comprises a plurality of wire-transfer services, wherein:
a first wire-transfer service of the plurality of wire-transfer services is configured to convert a wire-transfer request of the plurality of wire-transfer requests received by the wire-initiating application from a first format associated with the first wire-transfer service to a second format associated with a second wire-transfer service of the plurality of wire-transfer services, wherein:
 the second wire-transfer service is configured to process the wire-transfer request in the second format to perform a wire transfer;
 the first wire-transfer service of the plurality of wire-transfer services is a Fedwire service;
 the second wire-transfer service of the plurality of wire-transfer services is a Clearing House Interbank Payments System (CHIPS) service; and
 a third wire-transfer service of the plurality of wire-transfer services is a Society for Worldwide Interbank Financial Telecommunications (SWIFT) service;
monitor a communication channel between the first wire-transfer service and the second wire-transfer service, the first wire-transfer service configured to transmit the converted wire-transfer request to the second wire-transfer service via the communication channel;
detect an error with respect to the plurality of wire-transfer requests or the reporting data transmitted via the plurality of communication channels, wherein:
the error is with respect to the converted wire-transfer request transmitted via the communication channel to the second wire-transfer service; and
the error involves the wire-transfer application not receiving a subset of the plurality of wire-transfer requests from the wire-initiating application; and
in response to detecting the error:
generate an error notification comprising a description of the error to output for use in resolving the error; and
determine a mitigation operation using a machine learning model to resolve the error, wherein the mitigation operation comprises deactivating a communication channel between the wire-transfer application and the wire-initiating application, wherein deactivating the communication channel between the wire-transfer application and the wire-initiating application is configured to cause the communication channel between the wire-transfer application and the wire-initiating application to be automatically re-established; and
output a command to cause the execution of the mitigation operation.