The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 19, 2026
Filed:
Jun. 10, 2022
Truist Bank, Charlotte, NC (US);
Paul Gerard Mistor, Winston-Salem, NC (US);
TRUIST BANK, Charlotte, NC (US);
Abstract
A system monitors signals in a service context specific channel (SCS) among multiple SCS channels and sends an advisory message when discharges are disproportionate with respect to a peer-representative index (PRI). The system monitors signals in multiple bidirectional SCS channels between multiple system devices and at least one user device, each SCS channel conveying signals to and from a respective system device of the multiple system devices. The system identifies discharges to a third party from an account associated with the user, determines the discharges are disproportionate relative to the PRI, and generates an advisory message regarding disproportionate discharges for at least one SCS channel. The advisory message is sent via the at least one SCS channel to at least one of the user device and the system device of the at least one SCS channel. Advisory messaging may be sent directly to client device, or indirectly via system agents.