Data transfer, over session or connection, and between computing device and server associated with one or more routing networks in response to detecting activity

Patent metadata

Field	Value
Publication number	US-10609156-B2
Application number	US-201715477806-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 secure session connection between the computing device and a server associated with one or more routing networks. The computing device may receive, from the server and via the secure session connection, data associated with the one or more routing networks. The computing device may store, at a database, the data associated with the one or more routing networks. The computing device may determine whether new activity associated with a user and involving at least one of the one or more routing networks is detected. In response to determining that new activity associated with the user is detected, the computing device may transmit, to the database, a request for the stored data associated with the one or more routing networks. The computing device may receive, from the database, the stored data associated with the one or more routing networks. The computing device may determine, based on a plurality of factors determined from the stored data associated with the one or more routing networks, a score for the new activity. The server associated with one or more routing networks may be configured to transmit, to the computing device and via the secure session connection, the data associated with the one or more routing networks.

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 secure session connection between the computing device and a server associated with one or more routing networks;
receive, from the server and via the secure session connection, data associated with the one or more routing networks;
store, at a database, the data associated with the one or more routing networks;
detect, via a sensing device, new activity associated with a user computing device and involving at least one of the one or more routing networks;
in response to the detecting, transmit, to the database, a request for the stored data associated with the one or more routing networks;
receive, from the database, the stored data associated with the one or more routing networks;
determine, based on a plurality of factors determined from the stored data associated with the one or more routing networks, a first score for the new activity;
determine whether the first score for the new activity exceeds a threshold;
in response to determining that the first score for the new activity exceeds the threshold, terminate the new activity; and
when the first score is less than or equal to the threshold,
determine a second score based on the stored data associated with the one or more routing networks;
generate, from the second score, a list of a plurality of recommended routing networks; and
receive, from a seller computing device, a selection indication, the selection indication indicative of one of the plurality of recommended routing networks; and

the server associated with one or more routing networks configured to:
transmit, to the computing device and via the secure session connection, the data associated with the one or more routing networks.

2. The system of claim 1 , wherein the determining that the new activity associated with the user is detected comprises:
receiving, from a user device associated with the user or from a second computing device, a request to use at least one of the one or more routing networks.

3. The system of claim 1 , wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
determining a location of the new activity, wherein determining the first score for the new activity is based at least in part on a comparison of the location of the new activity to one or more locations indicated by the stored data associated with the one or more routing networks.

4. The system of claim 3 , wherein determining the location of the new activity comprises:
detecting, based on a wireless sensing device, that a device associated with the new activity is within range of the location; and
in response to detecting that the device associated with the new activity is within range of the location, transmitting, to the computing device, data indicating the location of the new activity.

5. The system of claim 1 , wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
determine whether the first score for the new activity exceeds a threshold; and
in response to determining that the first score for the new activity exceeds the threshold, transmit, to a user device associated with the one or more routing networks, an alert message indicating that the new activity exceeds the threshold.

6. The system of claim 1 , wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
determine whether the first score for the new activity exceeds the threshold; and
in response to determining that the first score for the new activity exceeds the threshold, transmit, to a computing device at a location where the new activity was initiated, an alert message indicating that the new activity exceeds the threshold.

7. The system of claim 1 , wherein the memory stores computer-executable instructions that, when executed by the processor, cause the computing device to:
when the second score is within a first range, generate the list with a first plurality of recommended routing networks from the second score; and
when the second score is within a second range, generate the list with a second plurality of recommended routing networks from the second score.

8. A method comprising:
generating a secure session connection between a computing device and a server associated with one or more routing networks;
receiving, by the computing device, from the server, and via the secure session connection, data associated with the one or more routing networks;
storing, by the computing device and at a database, the data associated with the one or more routing networks;
detecting, via a sensing device by the computing device, new activity associated with a user computing device and involving at least one of the one or more routing networks;
in response to the detecting, transmitting, by the computing device and to the database, a request for the stored data associated with the one or more routing networks;
receiving, by the computing device and from the database, the stored data associated with the one or more routing networks; and
determining, by the computing device and based on a plurality of factors determined from the stored data associated with the one or more routing networks, a first score for the new activity;
determine whether the first score for the new activity exceeds a threshold;
in response to determining that the first score for the new activity exceeds the threshold, terminate the new activity; and
when the first score is less than or equal to the threshold,
determine a second score based on the stored data associated with the one or more routing networks;
when the second score is within a first range, generate, from the second score, a list with a first plurality of recommended routing networks;
when the second score is within a second range, generate, from the second score, the list with a second plurality of recommended routing networks; and
receive, from a seller computing device, a selection indication, the selection indication indicative one of the plurality of recommended routing networks.

9. The method of claim 8 , wherein the determining that the new activity associated with the user is detected comprises:
receiving, from a user device associated with the user or from a second computing device, a request to use at least one of the one or more routing networks.

10. The method of claim 8 , further comprising:
determining a location of the new activity, wherein determining the first score for the new activity is based at least in part on a comparison of the location of the new activity to one or more locations indicated by the stored data associated with the one or more routing networks.

11. The method of claim 10 , wherein determining the location of the new activity comprises:
detecting, based on a wireless sensing device, that a device associated with the new activity is within range of the location; and
in response to detecting that the device associated with the new activity is within range of the location, transmitting, to the computing device, data indicating the location of the new activity.

12. The method of claim 8 , further comprising:
determining, by the computing device, whether the first score for the new activity exceeds a threshold; and
in response to determining that the first score for the new activity exceeds the threshold, transmitting, by the computing device and to a user de

Assignees

• Bank Of America

Inventors

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

Classifications

• H04L63/166

  at the transport layer · CPC title

• H04W12/08

  Access security · CPC title

• H04L67/146 Primary

  Markers for unambiguous identification of a particular session, e.g. session cookie or URL-encoding · CPC title

• H04L67/14

  Session management (for real-time applications in data packet communications networks H04L65/1066) · CPC title

• H04L63/0272

  Virtual private networks · CPC title