Systems and methods for successively executing an operation over multiple communication networks

Patent metadata

Field	Value
Publication number	US-12218930-B2
Application number	US-202217937991-A
Country	US
Kind code	B2
Filing date	Oct 4, 2022
Priority date	Oct 4, 2022
Publication date	Feb 4, 2025
Grant date	Feb 4, 2025

Abstract

Systems and methods for successively executing an operation over multiple communication networks. In some aspects, the system obtains first access information received from a physical token and generates an operation related to an aggregated virtual container. The system determines a first communication network from the first access information and transmits, via the first communication network, the operation associated with the aggregated virtual container. If the operation was not transmitted successfully via the first communication network, the system obtains second access information received from the physical token, determines a second communication network from the second access information, and transmits, via the second communication network, the operation associated with the aggregated virtual container. If the operation was transmitted successfully via the second communication network, the system generates for display a notification that the operation has been executed.

First claim

What is claimed is:

1. A system for successively executing an operation over multiple communication networks, comprising:
a token reader associated with an external system and comprising a processor, the processor configured to interact with a physical token associated with an aggregated virtual container and to execute a method comprising:
in response to the physical token interacting with the token reader, obtaining first access information received from the physical token and generating an operation related to the aggregated virtual container, the operation being associated with a user of the aggregated virtual container and the external system;
determining a first communication network from the first access information and transmitting, via the first communication network, to a provider system associated with the aggregated virtual container, the operation associated with the aggregated virtual container;
determining whether a message was received from the provider system within a threshold time period, the message indicating that the operation has been executed;
in response to determining that the message was not received from the provider system via the first communication network within the threshold time period, obtaining second access information received from the physical token;
determining a second communication network from the second access information and transmitting, via the second communication network, to the provider system, the operation associated with the aggregated virtual container; and
in response to determining that the message was received from the provider system via the second communication network within the threshold time period, generating for display at the token reader a notification that the operation has been executed.

2. A method, comprising:
obtaining first access information received from a physical token and generating an operation related to an aggregated virtual container;
determining a first communication network from the first access information and transmitting, via the first communication network, the operation associated with the aggregated virtual container;
in response to determining that the operation was not transmitted successfully via the first communication network, obtaining second access information received from the physical token;
determining a second communication network from the second access information and transmitting, via the second communication network, the operation associated with the aggregated virtual container; and
in response to determining that the operation was transmitted successfully via the second communication network, generating for display a notification that the operation has been executed.

3. The method of claim 2 , wherein the physical token includes memory having a primary access information field and a reserve access information field, wherein the first access information is obtained from the primary access information field, and wherein the second access information is obtained from the reserve access information field.

4. The method of claim 3 , wherein the primary access information field and the reserve access information field are simultaneously available for reading from the memory.

5. The method of claim 3 , wherein the reserve access information field is locked from reading from the memory until a condition is triggered for the physical token.

6. The method of claim 5 , wherein the condition is triggered for the physical token in response to determining that the operation was not transmitted successfully via the first communication network.

7. The method of claim 5 , wherein the condition is triggered for the physical token after a threshold time period elapses after the primary access information field has been read from the memory.

8. The method of claim 2 , wherein the operation is transmitted via the first communication network to a provider system associated with the aggregated virtual container.

9. The method of claim 8 , further comprising determining whether a message was received from the provider system via the first communication network within a threshold time period, the message indicating that the operation has been executed.

10. The method of claim 9 , wherein the second access information from the physical token is obtained in response to determining that the message was not received from the provider system via the first communication network within the threshold time period.

11. The method of claim 10 , further comprising determining whether the message was received from the provider system via the second communication network within the threshold time period.

12. The method of claim 11 , wherein the notification that the operation has been executed is generated for display in response to determining that the message was received from the provider system via the second communication network within the threshold time period.

13. A non-transitory, computer-readable medium comprising instructions that, when executed by one or more processors, cause operations comprising:
obtaining first access information received from a physical token and an operation related to an aggregated virtual container;
determining a first communication network from the first access information and transmitting, via the first communication network, the operation associated with the aggregated virtual container;
based on determining that the operation was not transmitted successfully via the first communication network, obtaining second access information received from the physical token;
determining a second communication network from the second access information and transmitting, via the second communication network, the operation associated with the aggregated virtual container; and
based on determining that the operation was transmitted successfully via the second communication network, generating for display a notification that the operation has been executed.

14. The non-transitory, computer-readable medium of claim 13 , wherein the physical token includes memory having a primary access information field and a reserve access information field, wherein the first access information is obtained from the primary access information field, and wherein the second access information is obtained from the reserve access information field.

15. The non-transitory, computer-readable medium of claim 14 , wherein the reserve access information field is locked from reading from the memory until a condition is triggered for the physical token.

16. The non-transitory, computer-readable medium of claim 15 , wherein the condition is triggered for the physical token in response to determining that the operation was not transmitted successfully via the first communication network.

17. The non-transitory, computer-readable medium of claim 15 , wherein the condition is triggered for the physical token after a threshold time period elapses after the primary access information field has been read from the memory.

18. The non-transitory, computer-readable medium of claim 13 , wherein the operation is transmitted via the first communication network to a provider system associated with the aggregated virtual container.

19. The non-transitory, computer-readable medium of claim 18 , further comprising determining whether a message was received from the provider system via the first communication network within a threshold time period, the message indicating that the operation has been executed, wherein the second access information from the physical token is obtained in

Assignees

• Capital One Services Llc

Inventors

• Douglas Lawrence
• Rule Jeffrey
• Macomber Jackson

Classifications

• H04L63/10

  for controlling access to devices or network resources · CPC title

• G06F12/1416

  by checking the object accessibility, e.g. type of access defined by the memory independently of subject rights (G06F12/1458 takes precedence) · CPC title

• H04L63/0853 Primary

  using an additional device, e.g. smartcard, SIM or a different communication terminal (cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234) · CPC title