ALEXANDRIA, Va., March 12 -- United States Patent no. 12,248,923, issued on March 11, was assigned to Bank of America Corp. (Charlotte, N.C.).

"Device for resource dispensing using alternative communication rails" was invented by Paul Martin Mattison (Sherrills Ford, N.C.) and Matthew Edward Williams (Frisco, Texas).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems, computer program products, and methods are described herein for activity data transmission in real-time using alternative communication rails to skip processing touch points. Specifically, the systems, apparatuses, methods and computer program products of the present invention are directed to a secure platform for preemptive transformation an...