公开(公告)号：US11816654B2

公开(公告)日：2023-11-14

申请号：US17554066

申请日：2021-12-17

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Govinda Rajulu Nelluri ,  Sandeep Kumar Chauhan ,  Shailendra Singh ,  Pavan Kumar Gauji

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/4015

Abstract: Arrangements for transaction adapter control are provided. In some aspects, a user device may connect to a network in a current geographic location. The user computing device may detect that a change in geographic location has occurred based on the current geographic location. Responsive to detecting that the change in geographic location has occurred, a mobile transaction adapter associated with or unique to the current geographic location may be downloaded to the user computing device. The mobile transaction adapter may be a plug-in component to a mobile payment application on the user computing device. A request to process a transaction may be received via the mobile payment application on the user device. Upon receiving the request to process the transaction, the mobile transaction adapter may be activated and the request may be routed to the mobile transaction adapter. The requested transaction may then be processed via the mobile transaction adapter.

公开(公告)号：US20230196331A1

公开(公告)日：2023-06-22

申请号：US17554082

申请日：2021-12-17

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Govinda Rajulu Nelluri ,  Sandeep Kumar Chauhan ,  Shailendra Singh ,  Pavan Kumar Gauji

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/3278 ,  G06Q20/4015

Abstract: Arrangements for intelligent routing of transactions via a transaction adapter are provided. In some aspects, a request for a system selected mobile transaction adapter may be received from a user computing device in a current geographic location. Responsive to receiving the request, a computing platform may generate a plurality of requests for external entity data. The computing platform may receive entity data from the one or more external entities. In some examples, the entity data from the one or more external entities may be analyzed using machine learning. For instance, one or more machine learning models may be executed to identify, based on the data, an optimal or preferred service provider and/or mobile transaction adapter associated with the identified service provider. The identified mobile transaction adapter may then be transmitted to the user computing device for installation.

公开(公告)号：US20230196330A1

公开(公告)日：2023-06-22

申请号：US17554066

申请日：2021-12-17

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Govinda Rajulu Nelluri ,  Sandeep Kumar Chauhan ,  Shailendra Singh ,  Pavan Kumar Gauji

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/4015

Abstract: Arrangements for transaction adapter control are provided. In some aspects, a user device may connect to a network in a current geographic location. The user computing device may detect that a change in geographic location has occurred based on the current geographic location. Responsive to detecting that the change in geographic location has occurred, a mobile transaction adapter associated with or unique to the current geographic location may be downloaded to the user computing device. The mobile transaction adapter may be a plug-in component to a mobile payment application on the user computing device. A request to process a transaction may be received via the mobile payment application on the user device. Upon receiving the request to process the transaction, the mobile transaction adapter may be activated and the request may be routed to the mobile transaction adapter. The requested transaction may then be processed via the mobile transaction adapter.