# US 10,313,480 B2 · Data transmission between networked resources

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- Number: US 10,313,480 B2
- Document ID: US10313480B2
- Status: Granted
- Kind: B2
- Application number: 15/630,355
- Filed: 2017-06-22
- Published: 2018-12-27
- Granted: 2019-06-04
- Earliest claimed: 2017-06-22
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: Tracy Beth Greene; Kathleen Miranda Brand; William Bradley Burks; Deepak Joseph; Emily Paige Bosin; Frederika Zipporah Morris Angus; Karla Ramirez; Laura Elizabeth Randall
- Web page: https://patentgrep.com/patent/US10313480B2

## CPC

- H04L 67/63: Routing a service request depending on the request content or context
- G06F 16/9574: {of access to content, e.g. by caching}
- G06Q 30/0251: Targeted advertisements
- H04L 67/306: User profiles
- H04L 67/53: using third party service providers
- H04L 67/535: {Tracking the activity of the user (network monitoring arrangements H04L43/00; recording of computer activity G06F11/34)}
- H04L 67/55: Push-based network services
- H04L 67/62: Establishing a time schedule for servicing the requests
- H04L 41/50: Network service management, e.g. ensuring proper service fulfilment according to agreements
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Embodiments of the present invention provide a system for transmitting data between networked resources. Information about a managing entity's supplemental resource is identified, where the supplemental resource supplements a set of resources associated with a user in response to a determination that a particular interaction has occurred. The supplemental resource is then determined to be associated with a third party entity's application on a computing device of the user. The third party application is adjusted by the managing entity to display a selectable notification of the supplemental resource within the third party application. Once the selectable notification is selected, the managing entity approves the supplemental resource for future use by the user. Once the particular interaction associated with the supplemental resource has occurred, the supplemental resource is applied to the set of resources at a later point in time.

## Claims

### Claim 1

A system for transmitting data between networked resources, the system comprising:
at least one memory comprising a volatile memory and a non-volatile memory, wherein the volatile memory and the non-volatile memory are independent of each other;
at least one processor;
a first module stored in the non-volatile memory, executed by the at least one processor, and configured to cause the at least one processor to:
electronically receive input information associated with a user, wherein the input information comprises user information associated with the user, the user information comprising account information associated with the user and personal information associated with the user;
determine a user profile based on at least the input information;
a second module stored in the non-volatile memory, executable by the at least one processor, and configured to cause the at least one processor to:
provide a resource entity application to a user for installation on a mobile device of the user, wherein the resource entity application is associated with a resource entity;
determine supplemental resource information associated with a supplemental resource based on at least the user profile, wherein the supplemental resource is associated with a merchant that has a relationship with the resource entity;
establish, using a computing device processor, a communication link with a mobile device of the user, wherein establishing further comprises creating a wireless data channel with the mobile device of the user;
transmit, via the established communication link, the supplemental resource to the mobile device of the user for storage in association with the resource entity application;
determine that the supplemental resource is associated with a third party application, wherein the third party application is stored on the mobile device of the user or a separate computing device of the user that is in network communication with the mobile device of the user;
determine that the third party application has been activated and is in use;
in response to determining that the third party application has been activated and is in use, cause the third party application to display a selectable notification of the supplemental resource within the third party application;
receive an indication from the third party application that the user has selected the selectable notification of the supplemental resource;
determine that the user has an interaction with the merchant at a merchant interaction date; and
apply the supplemental resource to the interaction with the merchant at a future settlement date that is after the merchant interaction date.

### Claim 2 (depends on 1)

The system of claim 1, wherein electronically receiving the input information associated with the user further comprises electronically receiving a first input information associated with a user, wherein the first input information comprises user information associated with a user logged into an online banking website, the user information comprising account information associated with the a financial institution account of the user and personal information associated with the user.

### Claim 3 (depends on 2)

The system of claim 2, wherein the first module, when executed by the at least one processor, is further configured to cause the at least one processor to:
store the first input information in a queue associated with the volatile memory until a second input information is received, wherein queuing further comprises reorganizing the first input information into the volatile memory;
receive second input information associated with the user, wherein the second input information comprises social network information associated with the user;
store the second input information in the queue associated with the volatile memory, wherein queuing the second input information further comprises reorganizing the second input information into the volatile memory; and
determine the user profile based on at least the first input information and the second input information stored in the queue associated with the volatile memory.

### Claim 4 (depends on 1)

The system of claim 1, wherein the supplemental resource comprises an offer, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from the merchant that has the relationship with the resource entity.

### Claim 5 (depends on 1)

The system of claim 1, wherein the interaction with the merchant is a purchase.

### Claim 6 (depends on 1)

The system of claim 1, wherein the third party application is one of a map application, a navigation application, a ride-share application, a shopping application, a mobile game application, an augmented reality application, a virtual reality application, a social media application, or a food services application.

### Claim 7 (depends on 1)

The system of claim 1, wherein the second module, when executed by the at least one processor, is further configured to cause the at least one processor to:
request authentication credentials of the user;
receive the authentication credentials from the mobile device of the user; and
authenticate the user to access the supplemental resource within the third party application.

### Claim 8 (depends on 1)

The system of claim 1, wherein the second module, when executed by the at least one processor, is further configured to cause the at least one processor to:
monitor a location of the mobile device of the user;
determine that the location of the mobile device of the user is within a predetermined distance from a location associated with the supplemental resource; and
in response to determining that the location of the mobile device of the user is within the predetermined distance from the location associated with the supplemental resource, cause the third party application to display the selectable notification of the supplemental resource within the third party application.

### Claim 9

A computer program product for transmitting data between networked resources, the computer program product comprising at least one non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:
electronically receiving input information associated with a user, wherein the input information comprises user information associated with the user, the user information comprising account information associated with the user and personal information associated with the user;
determining a user profile based on at least the input information;
providing a resource entity application to a user for installation on a mobile device of the user, wherein the resource entity application is associated with a resource entity;
determining supplemental resource information associated with a supplemental resource based on at least the user profile, wherein the supplemental resource is associated with a merchant that has a relationship with the resource entity;
establishing, using a computing device processor, a communication link with a mobile device of the user, wherein establishing further comprises creating a wireless data channel with the mobile device of the user;
transmitting, via the established communication link, the supplemental resource to the mobile device of the user for storage in association with the resource entity application;
determining that the supplemental resource is associated with a third party application, wherein the third party application is stored on the mobile device of the user or a separate computing device of the user that is in network communication with the mobile device of the user;
determining that the third party application has been activated and is in use;
in response to determining that the third party application has been activated and is in use, causing the third party application to display a selectable notification of the supplemental resource within the third party application;
receiving an indication from the third party application that the user has selected the selectable notification of the supplemental resource;
determining that the user has an interaction with the merchant at a merchant interaction date; and
applying the supplemental resource to the interaction with the merchant at a future settlement date that is after the merchant interaction date.

### Claim 10 (depends on 9)

The computer program product of claim 9, wherein electronically receiving the input information associated with the user further comprises electronically receiving a first input information associated with a user, wherein the first input information comprises user information associated with a user logged into an online banking website, the user information comprising account information associated with a financial institution account of the user and personal information associated with the user.

### Claim 11 (depends on 10)

The computer program product of claim 10, wherein the computer readable instructions further comprise instructions for:
storing the first input information in a queue associated with the volatile memory until a second input information is received, wherein queuing further comprises reorganizing the first input information into the volatile memory;
receiving second input information associated with the user, wherein the second input information comprises social network information associated with the user;
storing the second input information in the queue associated with the volatile memory, wherein queuing the second input information further comprises reorganizing the second input information into the volatile memory; and
determining the user profile based on at least the first input information and the second input information stored in the queue associated with the volatile memory.

### Claim 12 (depends on 9)

The computer program product of claim 9, wherein the supplemental resource comprises an offer, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from the merchant that has the relationship with the resource entity.

### Claim 13 (depends on 9)

The computer program product of claim 9, wherein the third party application is one of a map application, a navigation application, a ride-share application, a shopping application, a mobile game application, an augmented reality application, a virtual reality application, a social media application, or a food services application.

### Claim 14 (depends on 9)

The computer program product of claim 9, wherein the computer readable instructions further comprise instructions for:
requesting authentication credentials of the user;
receiving the authentication credentials from the mobile device of the user; and
authenticating the user to access the supplemental resource within the third party application.

### Claim 15 (depends on 9)

The computer program product of claim 9, wherein the computer readable instructions further comprise instructions for:
monitor a location of the mobile device of the user;
determine that the location of the mobile device of the user is within a predetermined distance from a location associated with the supplemental resource; and
in response to determining that the location of the mobile device of the user is within the predetermined distance from the location associated with the supplemental resource, cause the third party application to display the selectable notification of the supplemental resource within the third party application.

### Claim 16

A computer implemented method for transmitting data between networked resources, said computer implemented method comprising:
electronically receiving input information associated with a user, wherein the input information comprises user information associated with the user, the user information comprising account information associated with the user and personal information associated with the user;
determining a user profile based on at least the input information;
providing a resource entity application to a user for installation on a mobile device of the user, wherein the resource entity application is associated with a resource entity;
determining supplemental resource information associated with a supplemental resource based on at least the user profile, wherein the supplemental resource is associated with a merchant that has a relationship with the resource entity;
establishing, using a computing device processor, a communication link with a mobile device of the user, wherein establishing further comprises creating a wireless data channel with the mobile device of the user;
transmitting, via the established communication link, the supplemental resource to the mobile device of the user for storage in association with the resource entity application;
determining that the supplemental resource is associated with a third party application, wherein the third party application is stored on the mobile device of the user or a separate computing device of the user that is in network communication with the mobile device of the user;
determining that the third party application has been activated and is in use;
in response to determining that the third party application has been activated and is in use, causing the third party application to display a selectable notification of the supplemental resource within the third party application;
receiving an indication from the third party application that the user has selected the selectable notification of the supplemental resource;
determining that the user has an interaction with the merchant at a merchant interaction date; and
applying the supplemental resource to the interaction with the merchant at a future settlement date that is after the merchant interaction date.

### Claim 17 (depends on 16)

The computer implemented method of claim 16, wherein electronically receiving the input information associated with the user further comprises electronically receiving a first input information associated with a user, wherein the first input information comprises user information associated with a user logged into an online banking website, the user information comprising account information associated with a financial institution account of the user and personal information associated with the user.

### Claim 18 (depends on 17)

The computer implemented method of claim 17, further comprising:
storing the first input information in a queue associated with the volatile memory until a second input information is received, wherein queuing further comprises reorganizing the first input information into the volatile memory;
receiving second input information associated with the user, wherein the second input information comprises social network information associated with the user;
storing the second input information in the queue associated with the volatile memory, wherein queuing the second input information further comprises reorganizing the second input information into the volatile memory; and
determining the user profile based on at least the first input information and the second input information stored in the queue associated with the volatile memory.

### Claim 19 (depends on 16)

The computer implemented method of claim 16, wherein the supplemental resource comprises an offer, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from the merchant that has the relationship with the resource entity.

### Claim 20 (depends on 16)

The computer implemented method of claim 16, further comprising:
monitoring a location of the mobile device of the user;
determining that the location of the mobile device of the user is within a predetermined distance from a location associated with the supplemental resource; and
in response to determining that the location of the mobile device of the user is within the predetermined distance from the location associated with the supplemental resource, causing the third party application to display the selectable notification of the supplemental resource within the third party application.