Device for resource dispensing using alternative communication rails

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12248923
APP PUB NO 20240144227A1
SERIAL NO

17978529

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Systems, computer program products, and methods are described herein for activity data transmission in real-time using alternative communication rails to skip processing touch points. Specifically, the systems, apparatuses, methods and computer program products of the present invention are directed to a secure platform for preemptive transformation and structuring of resource data at a resource instrument device and authentication of resource data for processing from the resource instrument device to an end point party in real time without requiring intermediary processing. In some embodiments the apparatuses and systems comprise a resource processing terminal device structured for operative communication with a resource instrument device with a mobile application embedded thereon via a first proximity communication channel between the resource processing terminal and the resource instrument device using request for resource distribution messaging associated with alternative rail resource distribution processing.

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Patent Owner(s)

  • BANK OF AMERICA CORPORATION

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mattison, Paul Martin Sherrills Ford, US 35 107
Williams, Matthew Edward Frisco, US 15 33

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