US2019303939A1PendingUtilityA1

Cryptocurrency Storage Distribution

Assignee: BANK OF AMERICAPriority: Mar 27, 2018Filed: Mar 27, 2018Published: Oct 3, 2019
Est. expiryMar 27, 2038(~11.7 yrs left)· nominal 20-yr term from priority
G06Q 20/065G06Q 2220/00H04L 9/3239H04L 2209/805G06Q 20/3224H04L 9/0637G06Q 20/382H04L 67/104G06Q 20/36G06Q 20/4014H04L 9/50H04W 12/63
68
PatentIndex Score
0
Cited by
0
References
0
Claims

Abstract

A computing platform having at least one processor, a memory, and a communication interface may receive, via the communication interface, a transaction request from a participant. The computing platform may identify a user and one or more linked digital wallets associated with the transaction request. The computing platform then may execute an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets. The computing platform may establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
         1 . A computing platform, comprising:
 at least one processor;   a communication interface communicatively coupled to the at least one processor; and   memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 receive, via the communication interface, a transaction request from a participant; 
 identify a user and one or more linked digital wallets associated with the transaction request; 
 execute an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets; 
 establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device. 
   
     
     
         2 . The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 update the one or more linked digital wallets based on the transaction.   
     
     
         3 . The computing platform of  claim 1 , wherein the transaction request is read from a blockchain, and wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 record transaction confirmation instructions to the blockchain.   
     
     
         4 . The computing platform of  claim 1 , wherein the predetermined criteria includes geolocation data and wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 compare geolocation information of the transaction request to that of the predetermined criteria, wherein the transaction information transmitted to the user computing device includes an indication of any discrepancy therebetween.   
     
     
         5 . The computing platform of  claim 1 , wherein the participant is associated with one or more participant categories, and wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 compare the one or more participant categories to that of the predetermined criteria, wherein the transaction information transmitted to the user computing device includes an indication of any discrepancy therebetween.   
     
     
         6 . The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 compare the transaction request to previous transactions from the participant, wherein the transaction information transmitted to the user computing device includes an indication of any significant discrepancy therebetween.   
     
     
         7 . The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 receive from a participant computing device cryptographic authentication information verifying the identity of the participant.   
     
     
         8 . The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 receive, from the user computing device, information responsive to an inquiry contained in the notification, wherein a transaction confirmation is transmitted to the participant after receiving the responsive information.   
     
     
         9 . The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 modify one or more linked digital wallets used for completion of the transaction request based on user defined settings, machine learning, or a combination thereof.   
     
     
         10 . A method, comprising:
 at a computing platform comprising at least one processor, memory, and a communication interface:
 receiving, via the communication interface, a transaction request from a participant; 
 identifying a user and one or more linked digital wallets associated with the transaction request; 
 executing an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets; 
 establishing via the communication interface, a first connection with a user computing device and, while the first connection is established, transmitting to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device. 
   
     
     
         11 . The method of  claim 10 , further comprising updating, by the at least one processor, the one or more linked digital wallets based on the transaction. 
     
     
         12 . The method of  claim 10 , further comprising (i) reading, by the at least one processor, the transaction request from a blockchain and (ii) recording, by the at least one processor, transaction confirmation instructions to the blockchain. 
     
     
         13 . The method of  claim 10 , further comprising comparing geolocation information of the transaction request to that of the predetermined criteria, wherein the transaction information transmitted to the user computing device includes an indication of any discrepancy therebetween. 
     
     
         14 . The method of  claim 10 , further comprising comparing the one or more participant categories to that of the predetermined criteria, wherein the transaction information transmitted to the user computing device includes an indication of any discrepancy therebetween. 
     
     
         15 . The method of  claim 10 , further comprising comparing the transaction request to previous transactions from the participant, wherein the transaction information transmitted to the user computing device includes an indication of any significant discrepancy therebetween. 
     
     
         16 . The method of  claim 10 , further comprising:
 receiving, by the at least one processor, from the user computing device information responsive to an inquiry contained in the notification, wherein the allocation information is generated in part based on the responsive information.   
     
     
         17 . The method of  claim 10 , further comprising receiving, by the at least one processor, from a participant computing device, cryptographic authentication information verifying the identity of the participant. 
     
     
         18 . The method of  claim 10 , further comprising:
 modifying one or more linked digital wallets used for completion of the transaction request based on user defined settings, machine learning, or a combination thereof.   
     
     
         19 . One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:
 receive, via the communication interface, a transaction request from a participant;   identify a user and one or more linked digital wallets associated with the transaction request;   execute an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets;   establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.   
     
     
         20 . The non-transitory computer-readable media of  claim 19  which stores additional instructions that, when executed by the computing platform, cause the computing platform to (i) read the transaction request from a blockchain, and (ii) record transaction confirmation instructions to the blockchain.

Join the waitlist — get patent alerts

Track US2019303939A1 — get alerts on status changes and closely related new filings.

We store only your email — no account needed. See our privacy policy.