System for automatically establishing an operative communication channel to transmit instructions for canceling duplicate interactions with third party systems

US10621558B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Alicia C. Jones-McFadden · Fort Mill, US
• Matthew Hsieh · Charlotte, US
• Scott R. Enscoe · Charlotte, US
• Elizabeth Ann Miller · Brooklyn, US
• Alicia Anli Salvino · Rockville, US
• Daniel Shilov · Nashua, US
• Michael Anderson · San Diego, US
• Raghav Anand · Chadds Ford, US

Key dates

• Filing date: Oct 7, 2016
• Grant date: Apr 14, 2020
• Expiry date: Jan 28, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/405
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the invention are directed to a system, method, or computer program product for identifying duplicate third party interactions based on information extracted from multiple resources associated with an enrolled user. Furthermore, the system may automatically modify a duplicate third party interaction upon identification, wherein the system may cancel the duplicate third party interaction by interrupting payments to the third party provider associated with the duplicate interaction. This allows for duplicate interactions to be canceled on behalf of the user without the system knowing user login information associated with the third party interaction. Additionally, the system may provide options for modifying duplicate interactions to the user by way of actionable notifications on the user's computing device via a client application. The system may also provide the user with reasons for why similarly-situated users modified third party interactions to aid the user's decision making process.