System for implementing dymanic network channel switching for secure communication

Patent metadata

Field	Value
Publication number	US-2023198953-A1
Application number	US-202117553946-A
Country	US
Kind code	A1
Filing date	Dec 17, 2021
Priority date	Dec 17, 2021
Publication date	Jun 22, 2023
Grant date	—

Abstract

Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

First claim

What is claimed is:

1 . A system for implementing dynamic network channel switching for secure communication, the system comprising:
at least one non-transitory storage device; and at least one processing device coupled to the at least one non-transitory storage device, wherein the at least one processing device is configured to: receive, from a first user input device, a resource transfer request via a first communication channel, wherein the first user input device is associated with a resource distribution platform; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the first user input device; execute, via the alternate communication channel, the resource transfer request; and sever the alternate communication channel with the first user input device in response to executing the resource transfer request.

2 . The system of claim 1 , wherein the second communication channel meets the one or more preset channel requirements for secure communication.

3 . The system of claim 1 , wherein the at least one processing device is further configured to:
receive, via the second communication channel, an indication from the second user input device that the communication link has been established with the first user input device; and transfer bi-directional communications associated with the resource transfer request with the first user device from the first communication channel to the alternate communication channel in response to receiving the indication.

4 . The system of claim 3 , wherein transferring further comprises temporarily severing the first communication channel with the first user device.

5 . The system of claim 1 , wherein the at least one processing device is further configured to:
initiate, using the secure channel monitoring engine, an assessment of the first communication channel; retrieve one or more channel configurations associated with the first communication channel; and determine that the one or more channel configurations does not meet the one or more preset channel requirements for secure communication.

6 . The system of claim 1 , wherein the at least one processing device is further configured to:
continuously monitor the one or more communication channels associated with the one or more user input devices, wherein continuously monitoring further comprises continuously determining whether the one or more communication channels meets the one or more preset channel requirements; determine, based on at least continuously monitoring the one or more communication channels, one or more user input devices whose communication channels does not meet the one or more preset channel requirements; and dynamically determine one or more alternate communication channels for the one or more user input devices whose communication channels does not meet the one or more preset channel requirements using one or more user input devices whose communication channels meets the one or more preset channel requirements.

7 . The system of claim 1 , wherein the at least one processing device is further configured to:
receive, from the first user input device, one or more user input devices that are within the preset geographic radius of the first user input device, wherein the one or more user input devices are associated with one or more communication channels, wherein the one or more user input devices are associated with the resource distribution platform; determine, using the secure channel monitoring engine, at least one of the one or more communication channels meets the one or more preset channel requirements for secure communication; and trigger, via at least one of the one or more communication channels, a corresponding user input device to establish the communication link with the first user input device, wherein the at least one of the one or more communication channel and the communication link form the alternate communication channel with the first user input device.

8 . The system of claim 7 , wherein the at least one processing device is further configured to:
initiate, using the secure channel monitoring engine, an assessment of the one or more communication channels; retrieve one or more channel configurations associated with the one or more communication channels; and determine that the one or more channel configurations associated with a subset of the one or more communication channels meets the one or more preset channel requirements for secure communication.

9 . The system of claim 8 , wherein the at least one processing device is further configured to:
determine a quantitative measure associated with the one or more channel configurations associated with the subset of the one or more communication channels meeting the one or more preset channel requirements for secure communication; and determine the at least one of the one or more communication channels based on at least the quantitative measure.

10 . A computer program product for implementing dynamic network channel switching for secure communication, the computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus to:
receive, from a first user input device, a resource transfer request via a first communication channel, wherein the first user input device is associated with a resource distribution platform; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the first user input device; execute, via the alternate communication channel, the resource transfer request; and sever the alternate communication channel with the first user input device in response to executing the resource transfer request.

11 . The computer program product of claim 10 , wherein the second communication channel meets the one or more preset channel requirements for secure communication.

12 . The computer program product of claim 10 , wherein the first apparatus is further configured to:
receive, via the second communication channel, an indication from the second user input device that the communication link has been established with the first user input device; and transfer bi-directional communications associated with the resource transfer request with the first user device from the first communication channel to the alternate communication channel in response to receiving the indication.

13 . The compu

Assignees

• Bank Of America

Inventors

• Castinado Joseph Benjamin
• Willis Therese Humburg
• Smith Christopher J
• Trombley Kathleen Hanko
• Robberts Kevin Graham
• Proud Lee Ann
• Perrigo Adam Frederick
• Ta Ann
• Merdassa Naoll Addisu

Classifications

• H04W72/048

  Electricity · mapped topic

• H04W76/23

  Manipulation of direct-mode connections · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• H04W12/03

  Protecting confidentiality, e.g. by encryption · CPC title

• H04L63/04 Primary

  for providing a confidential data exchange among entities communicating through data packet networks · CPC title