Data transfer, over session or connection, and between computing device and one or more servers to determine likelihood of user device using a routing network

Patent metadata

Field	Value
Publication number	US-10608918-B2
Application number	US-201715477817-A
Country	US
Kind code	B2
Filing date	Apr 3, 2017
Priority date	Apr 3, 2017
Publication date	Mar 31, 2020
Grant date	Mar 31, 2020

Abstract

A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a first secure session connection between the computing device and a first server associated with a first routing network. The computing device may receive, from the first server and via the first secure session connection, data associated with the first routing network. The computing device may generate a second secure session connection between the computing device and a second server associated with a second routing network. The computing device may receive, from the second server and via the second secure session connection, data associated with the second routing network. The computing device may analyze the data associated with the first routing network and the data associated with the second routing network. The computing device may determine, based on the analyzing the data associated with the first routing network and the data associated with the second routing network, a likelihood of a user device using a new routing network different from the first routing network and the second routing network. In response to determining that the likelihood of the user device using the new routing network exceeds a threshold, the computing device may generate, for display via the user device, a notification indicating a recommendation for the new routing network. The computing device may transmit, to the user device, the notification indicating the recommendation for the new routing network. The user device may be configured to display the notification indicating the recommendation for the new routing network. The first server associated with the first routing network may be configured to transmit, to the computing device and via the first secure session connection, the data associated with the first routing network. The second server associated with the second routing network may be configured to transmit, to the computing device and via the second secure session connection, the data associated with the second routing network.

First claim

What is claimed is:

1. A system comprising:
a computing device comprising:
a processor; and
memory storing computer-executable instructions that, when executed by the processor, cause the computing device to:
generate a first secure session connection between the computing device and a first server associated with a first routing network;
receive, from the first server and via the first secure session connection, data associated with the first routing network;
generate a second secure session connection between the computing device and a second server associated with a second routing network;
receive, from the second server and via the second secure session connection, data associated with the second routing network;
analyze the data associated with the first routing network and the data associated with the second routing network;
determine, based on analyzing the data associated with the first routing network and the data associated with the second routing network, a difference between an initial user spending amount during a promotional time duration and a subsequent user spending amount during a subsequent time duration;
determine, based on the difference, a likelihood measure of a user device of a user using a new routing network that is different from the first and second routing networks;
in response to determining that the likelihood measure of the user device using the new routing network exceeds a threshold, generate, for display via the user device, a notification indicating a recommendation for the new routing network;
further in response to determining that the likelihood measure of the user device using the new routing network exceeds the threshold and when the user previously indicated an interest in registering for the new routing network, automatically register the user device for the new routing network; and
transmit, to the user device, the notification indicating the recommendation for the new routing network, wherein the user device is configured to display the notification indicating the recommendation for the new routing network;

the first server associated with the first routing network configured to:
transmit, to the computing device and via the first secure session connection, the data associated with the first routing network; and

the second server associated with the second routing network configured to:
transmit, to the computing device and via the second secure session connection, the data associated with the second routing network.

2. The system of claim 1 , wherein the new routing network is associated with the first server or the second server.

3. The system of claim 1 , wherein the new routing network is associated with a third server different from the first server and the second server, and wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
generate a third secure session connection between the computing device and the third server associated with the new routing network.

4. The system of claim 1 , wherein the determining the likelihood measure of the user device using the new routing network is based on an additional factor different from factors identified from the analyzing the data associated with the first routing network and the data associated with the second routing network.

5. The system of claim 1 , wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
categorize the data associated with the first routing network and the data associated with the second routing network; and
generate, based on the categorizing, a plurality of tags for the data associated with the first routing network and the data associated with the second routing network,
wherein the analyzing the data associated with the first routing network and the data associated with the second routing network is based on the plurality of tags.

6. The system of claim 5 , wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
store, at a storage device and with one or more tag of the plurality of tags, the data associated with the first routing network and the data associated with the second routing network.

7. The system of claim 5 , wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
store, at a storage device and with a first tag of the plurality of tags, a first block of the data associated with the first routing network and the second routing network;
store, at the storage device and with a second tag of the plurality of tags, a second block of the data associated with the first routing network and the second routing network;
retrieve one of the first and second blocks based on a selected tag, the selected tag being one of the first and second tags;
when the selected tag equals the first tag, share the retrieved first block of data with a third party; and
when the selected tag equals the second tag, restrict sharing the retrieved second block of data with the third party.

8. The system of claim 1 , wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
prior to the analyzing, receive, from the user device, a request to access the new routing network, wherein the determining the likelihood measure of the user device using the new routing network is performed in response to the receiving the request to access the new routing network.

9. A method comprising:
generating a first secure session connection between a computing device and a first server associated with a first routing network;
receiving, by the computing device, from the first server, and via the first secure session connection, data associated with the first routing network;
generating a second secure session connection between the computing device and a second server associated with a second routing network;
receiving, by the computing device, from the second server, and via the second secure session connection, data associated with the second routing network;
analyzing, by the computing device, the data associated with the first routing network and the data associated with the second routing network;
determining, based on analyzing the data associated with the first routing network and the data associated with the second routing network, first and second time durations since a user opened accounts on the first and second routing networks, respectively;
extracting a metric from the first and second time durations;
obtaining, based on the metric, a likelihood measure of a user device of the user using a new routing network that is different from the first and second routing networks;
in response to determining that the likelihood measure of the user device using the new routing network exceeds a threshold, generating, by the computing device and for display via the user device, a notification indicating a recommendation for the new routing network;
further in response to determining that the likelihood measure of the user device using the new routing network exceeds the threshold and when the user previously indicated an interest in registering for the new routing network, automatically registering the user device for the new routing network; and
transmitting, by the computing device and to the user device, the notification indicating the recommendation for the new routing network, wherein the user device is configured to display the notification indicating the recommendation for the new routing network.

10. The method of claim 9 , whe

Assignees

• Bank Of America

Inventors

• Twombly Steven M
• Nelson Mark A
• Holland Bradley
• Williams Mark
• Murphy Matthew

Classifications

• H04L67/141

  Setup of application sessions (admission control or resource allocation in data switching networks H04L47/70) · CPC title

• H04L43/16 Primary

  Threshold monitoring · CPC title

• H04L63/0272

  Virtual private networks · CPC title

• H04L67/18

  Electricity · mapped topic

• H04L63/00

  Network architectures or network communication protocols for network security (cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00; network architectures or network communication protocols for wireless network security H04W12/00; security arrangements for protecting computers or computer systems against unauthorised activity G06F21/00) · CPC title