Truist Bank Patent Application: Network Traffic Communication Using Communication Eligibility Indicator
Summary
Truist Bank has obtained a published patent application (US20260113276A1) from the USPTO for a system and method of improving network traffic flow using a communication eligibility indicator. The system uses at least one processing device and memory storing computer-readable instructions that establish network connections with agent devices and databases, perform data comparisons using predefined algorithms, and generate communication eligibility indicators based on those comparisons. The invention relates to data privacy and was filed on August 4, 2025, under Application No. 19289164.
“A system and method related to data privacy that uses a communication eligibility indicator are disclosed.”
About this source
USPTO classification H04L covers transmission of digital information: network protocols, modulation schemes, wireless signal processing, coding, encryption in transit, and multiplexing. With 5G, 6G, and satellite internet driving new filings, H04L is one of the largest active patent classes. Every newly published application in H04L lands in this feed, around 215 a month. Applications publish 18 months after filing, so this feed reveals what MediaTek, Qualcomm, Ericsson, Samsung, Huawei, and dozens of smaller companies were working on in the prior year and a half. Watch this if you compete in networking hardware, advise telecoms on IP strategy, or scout acquisition targets in wireless infrastructure.
What changed
Truist Bank has filed and obtained publication of a USPTO patent application (US20260113276A1) covering a system and method for improving network traffic flow through a communication eligibility indicator mechanism. The system comprises processing devices and memory storing computer-readable instructions configured to establish network connections with agent devices and databases, receive input data associated with communication requests, retrieve reference data from databases, perform data comparisons using predefined algorithms, and generate and transmit communication eligibility indicators based on those comparisons.
Affected parties include Truist Bank, other financial institutions, and technology companies developing or operating network communication systems. The published application does not yet grant enforceable patent rights — it represents a publication milestone in the examination process. Competitors developing similar network traffic management or communication eligibility verification systems should review the published claims for potential licensing considerations once the patent grants.
Archived snapshot
Apr 24, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
SYSTEM AND METHOD OF IMPROVING NETWORK TRAFFIC FLOW USING A COMMUNICATION ELIGIBILITY INDICATOR
Application US20260113276A1 Kind: A1 Apr 23, 2026
Assignee
Truist Bank
Inventors
Seshadri Chintalapati, Josephine Middleton-Saulny, Phani Kumar Ankani, Joseph Matthew Law
Abstract
A system and method related to data privacy that uses a communication eligibility indicator are disclosed. The system comprises at least one processing device and at least one memory for storing computer-readable instructions. Upon execution of the computer-readable instructions, the computing system is configured to establish a network connection with at least one agent device and one or more databases. Input data associated with a communication request is received from the at least one agent device and reference data from the one or more databases is retrieved. A data comparison of the input data and the reference data is performed using a predefined algorithm. Based on the data comparison, the at least one processing device generates a communication eligibility indicator and transmits it to the at least one agent device.
CPC Classifications
H04L 47/24 H04L 63/04 H04W 76/10
Filing Date
2025-08-04
Application No.
19289164
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