System for implementing dynamic network channel switching for secure communication

US12341757B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Joseph Benjamin Castinado · Northglenn, US
• Therese H. Willis · Winter Garden, US
• Christopher J. Smith · Johns Creek, US
• Kathleen Hanko Trombley · Big Lick, US
• Kevin Graham Robberts · Charlotte, US
• Lee Ann Proud · St. Augustine, US
• Adam Frederick Perrigo · Maiden, US
• Ann Ta · Scottsdale, US
• Naoll Addisu Merdassa · Barden, US

Key dates

• Filing date: Feb 12, 2024
• Grant date: Jun 24, 2025
• Expiry date: Feb 12, 2044

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/322
• WIPO field: Digital communication
• WIPO sector: Electrical engineering

Abstract

The present invention receives from a first user input device a resource transfer request via a first communication channel; determines that the first communication channel does not meet channel requirements for secure communication; determines whether other the communication channels associated with other input devices meet the channel requirements; determines user input devices whose communication channels does not meet the channel requirements; determines alternate communication channels for the user input devices whose communication channels does not meet the channel requirements using the user input devices whose communication channels meets the channel requirements; determines a second communication channel associated with a second user input device meeting the channel requirements; triggers the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the first user input device; and executes the resource transfer request.