US-12621305-B2 - System for initialization of user resource accounts through electronic data monitoring of networked servers

US12621305B2US 12621305 B2US12621305 B2US 12621305B2US-12621305-B2

Abstract

A system is provided for initialization of user resource accounts through electronic data monitoring of networked servers. In particular, the system may establish an authorized networked connection to one or more computing systems, where the one or more computing systems may store resource data associated with a user. Upon establishing the network connection, the system may aggregate various types of data associated with the user. The aggregated data may then be used to drive one or more automated processes with respect to the initialization of a user's resource account. The system may further present a unified dashboard on a display of a user device that may provide the user with a consolidated view of the aggregated data and/or the configuration changes generated by the system.

Inventors

Victoria L. Dravneek
Karen Lea MacQueen

Assignees

BANK OF AMERICA CORPORATION

Dates

Publication Date: 20260505
Application Date: 20240417

Claims (17)

1 . A system for initialization of user resource accounts through electronic data monitoring of networked servers, the system comprising: a processing device; a non-transitory storage device containing instructions when executed by the processing device, causes the processing device to perform the steps of: prompting a user to link a plurality of resource accounts associated with the user; receiving authorization from the user to link the plurality of resource accounts; establishing a secure communication link with one or more third party servers associated with the plurality of resource accounts of the user; generating a single shared authentication credential for the one or more third party servers; authenticating the user on the one or more third party servers using the single shared authentication credential; retrieving resource account data associated with the user from the one or more third party servers; analyze the resource account data to determine current configurations of the one or more resource account, via an artificial intelligence engine; based on analyzing the resource account data using the artificial intelligence engine, generating one or more recommendations for at least one configuration change for at least one resource account of the plurality of resource accounts, wherein the at least one configuration change is based on the current configurations of at least one other resource account of the plurality of resource accounts; and presenting the one or more recommendations on a unified dashboard, wherein the unified dashboard is configured to display the resource account data.
2 . The system of claim 1 , wherein analyzing the resource account data comprises analyzing historical resource transfer data, wherein the historical resource transfer data comprises resource input and output data associated with the plurality of resource accounts.
3 . The system of claim 1 , wherein analyzing the resource account data comprises detecting one or more anomalies, and wherein the one or more recommendations comprise a recommendation to correct the one or more anomalies.
4 . The system of claim 3 , wherein the one or more anomalies comprises an unintended recurring resource transfer.
5 . The system of claim 1 , wherein analyzing the resource account data comprises detecting potential unauthorized activity associated with the plurality of resource accounts, and wherein the one or more recommendations comprises a prompt for the user to confirm whether the potential unauthorized activity was authorized.
6 . The system of claim 1 , wherein the one or more recommendations are based on a location of a user device associated with the user.
7 . A computer program product for initialization of user resource accounts through electronic data monitoring of networked servers, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to perform the steps of: prompting a user to link a plurality of resource accounts associated with the user; receiving authorization from the user to link the plurality of resource accounts; establishing a secure communication link with one or more third party servers associated with the plurality of resource accounts of the user; generating a single shared authentication credential for the one or more third party servers; authenticating the user on the one or more third party servers using the single shared authentication credential; retrieving resource account data associated with the user from the one or more third party servers; analyzing the resource account data to determine current configurations of the one or more resource account, via an artificial intelligence engine; based on analyzing the resource account data using the artificial intelligence engine, generating one or more recommendations for at least one configuration change for at least one resource account of the plurality of resource accounts, wherein the at least one configuration change is based on the current configurations of at least one other resource account of the plurality of resource accounts; and presenting the one or more recommendations on a unified dashboard, wherein the unified dashboard is configured to display the resource account data.
8 . The computer program product of claim 7 , wherein analyzing the resource account data comprises analyzing historical resource transfer data, wherein the historical resource transfer data comprises resource input and output data associated with the plurality of resource accounts.
9 . The computer program product of claim 7 , wherein analyzing the resource account data comprises detecting one or more anomalies, and wherein the one or more recommendations comprises a recommendation to correct the one or more anomalies.
10 . The computer program product of claim 9 , wherein the one or more anomalies comprises an unintended recurring resource transfer.
11 . The computer program product of claim 7 , wherein analyzing the resource account data comprises detecting potential unauthorized activity associated with the plurality of resource accounts, and wherein the one or more recommendations comprises a prompt for the user to confirm whether the potential unauthorized activity was authorized.
12 . A computer-implemented method for initialization of user resource accounts through electronic data monitoring of networked servers, the computer-implemented method comprising: prompting a user to link a plurality of resource accounts associated with the user; receiving authorization from the user to link the plurality of resource accounts; establishing a secure communication link with one or more third party servers associated with the plurality of resource accounts of the user; generating a single shared authentication credential for the one or more third party servers; authenticating the user on the one or more third party servers using the single shared authentication credential; retrieving resource account data associated with the user from the one or more third party servers; analyzing the resource account data to determine current configurations of the one or more resource account, via an artificial intelligence engine; based on analyzing the resource account data using the artificial intelligence engine, generating one or more recommendations for at least one configuration change for at least one resource account of the plurality of resource accounts, wherein the at least one configuration change is based on the current configurations of at least one other resource account of the plurality of resource accounts; and presenting the one or more recommendations on a unified dashboard, wherein the unified dashboard is configured to display the resource account data.
13 . The computer-implemented method of claim 12 , wherein analyzing the resource account data comprises analyzing historical resource transfer data, wherein the historical resource transfer data comprises resource input and output data associated with the plurality of resource accounts.
14 . The computer-implemented method of claim 12 , wherein analyzing the resource account data comprises detecting one or more anomalies, and wherein the one or more recommendations comprises a recommendation to correct the one or more anomalies.
15 . The computer-implemented method of claim 14 , wherein the one or more anomalies comprises an unintended recurring resource transfer.
16 . The computer-implemented method of claim 12 , wherein analyzing the resource account data comprises detecting potential unauthorized activity associated with the plurality of resource accounts, and wherein the one or more recommendations comprises a prompt for the user to confirm whether the potential unauthorized activity was authorized.
17 . The computer-implemented method of claim 12 , wherein the one or more recommendations are based on a location of a user device associated with the user.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS This application claims the benefit of U.S. Provisional Patent Application. No. 63/459,846, filed Apr. 17, 20203, the entirety of which is incorporated herein by reference. FIELD OF THE INVENTION The present invention embraces a system for initialization of user resource accounts through electronic data monitoring of networked servers. BACKGROUND There is a need for an efficient and secure way to perform initialization of user resource accounts. SUMMARY The following presents a simplified summary of one or more embodiments of the present invention, in order to provide a basic understanding of such embodiments. This summary is not an extensive overview of all contemplated embodiments and is intended to neither identify key or critical elements of all embodiments nor delineate the scope of any or all embodiments. Its sole purpose is to present some concepts of one or more embodiments of the present invention in a simplified form as a prelude to the more detailed description that is presented later. A system is provided for initialization of user resource accounts through electronic data monitoring of networked servers. In particular, the system may establish an authorized networked connection to one or more computing systems (e.g., servers), where the one or more computing systems may store resource data associated with a user. Upon establishing the network connection, the system may aggregate various types of data associated with the user. The aggregated data may then be used to drive one or more automated processes with respect to the initialization of a user's resource account. In some embodiments, the processes may include an AI-based recommendations engine that may be configured to output one or more recommendations for a configuration of the resource account of the user. The system may further present a unified dashboard on a display of a user device that may provide the user with a consolidated view of the aggregated data and/or the configuration changes generated by the system. In this way, the system provides an efficient and secure way to perform initialization of user resource accounts. Accordingly, embodiments of the present disclosure provide a system for initialization of user resource accounts through electronic data monitoring of networked servers, the system comprising a processing device; a non-transitory storage device containing instructions when executed by the processing device, causes the processing device to perform the steps of: prompting a user to link one or more resource accounts associated with the user; receiving authorization from the user to link the one or more resource accounts; establishing a secure communication link with one or more third party servers associated with the one or more resource accounts of the user; retrieving resource account data associated with the user from the one or more third party servers; based on analyzing the resource account data using an artificial intelligence engine, generating one or more recommendations for at least one configuration change for the one or more resource accounts; and presenting the one or more recommendations on a unified dashboard, wherein the unified dashboard is configured to display the resource account data. In some embodiments, establishing the secure communication link with the one or more third party servers comprises generating a shared authentication credential for the one or more third party servers; and authenticating the user on the one or more third party servers using the shared authentication credential. In some embodiments, analyzing the resource account data comprises analyzing historical resource transfer data, wherein the historical resource transfer data comprises resource input and output data associated with the one or more resource accounts. In some embodiments, analyzing the resource account data comprises detecting one or more anomalies, and wherein the one or more recommendations comprise a recommendation to correct the one or more anomalies. In some embodiments, the one or more anomalies comprises an unintended recurring resource transfer. In some embodiments, analyzing the resource account data comprises detecting potential unauthorized activity associated with the one or more resources accounts, and wherein the one or more recommendations comprises a prompt for the user to confirm whether the potential unauthorized activity was authorized. In some embodiments, the one or more recommendations are based on a location of a user device associated with the user. Embodiments of the present disclosure also provide a computer program product for initialization of user resource accounts through electronic data monitoring of networked servers, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to perform the steps of prompting a user to link one or more resource accounts associated with the user; rec