# US 10,873,542 B2 · Systems and methods for allocating shared resources > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,873,542 B2 - Document ID: US10873542B2 - Status: Granted - Kind: B2 - Application number: 16/254,738 - Filed: 2019-01-23 - Published: 2019-10-03 - Granted: 2020-12-22 - Earliest claimed: 2018-03-29 - Assignees: The Toronto-Dominion Bank - Applicants: The Toronto-Dominion Bank - Inventors: Peter Horvath; Gregory Richard Harper; Richard Thomas; Tricia Elizabeth Allen; Joe Moghaizel; Aline da Rosa Alves; Lawrence Anthony Allen; Kimberly Elizabeth Lam; Min Shen; Melanie Judith Mendoza; Vanessa Li; Alexandra Antonucci; Audrey Madeleine Carr - Web page: https://patentgrep.com/patent/US10873542B2 ## CPC - H04L 47/826: {Involving periods of time} - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 40/12: Accounting - H04L 47/748: {Negotiation of resources, e.g. modification of a request} - H04L 47/765: triggered by the end-points - H04L 47/824: {Applicable to portable or mobile terminals} - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - 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 Systems and methods for allocating resources. The system includes a communications module, a processor, and a memory. The memory stores a data record and instructions that, when executed, configure the processor to obtain a data record and transmit an existing score indication corresponding to the data record for display at the client device; receive a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction, allocate the shared resource associated with the action indicator. ## Claims ### Claim 1 A system for allocating resources, the system comprising: a communication module; a processor coupled to the communication module; and a memory coupled to the processor, the memory storing at least one data record and instructions that, when executed, configure the processor to: obtain a data record corresponding to an identifier and transmit, via the communication module to a notification application on a client device, an existing score indication corresponding to the data record for display at the client device; receive, via the communication module, a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit, via the communication module to the client device, the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction via the selectable option, allocate the shared resource associated with the action indicator. ### Claim 2 (depends on 1) The system of claim 1, wherein the action indicator corresponds to at least one of requesting the shared resource and varying allocation of the shared resource. ### Claim 3 (depends on 1) The system of claim 1, wherein the instructions, when executed, further cause the processor to determine that the first provisional score is greater than a minimum threshold score and, in response, transmit the first provisional score indication and the selectable option associated with the action indicator for display at the client device. ### Claim 4 (depends on 1) The system of claim 1, wherein the instructions, when executed, further cause the processor to: determine an alternate provisional score corresponding to the data record based on an alternate action indicator associated with an alternate shared resource and determine that the alternate provisional score is greater than the first provisional score; and in response to determining that the alternate provisional score is greater than the first provisional score, transmit an alternate provisional score indication and an alternate selectable option associated with the alternate action indicator for display at the client device. ### Claim 5 (depends on 4) The system of claim 4, wherein the alternate shared resource is an existing shared resource associated with the data record. ### Claim 6 (depends on 1) The system of claim 1, wherein the instructions, when executed, further cause the processor to: determine a time-varied provisional score at an alternate time that is different than a time associated with the first time parameter, wherein the alternate time is subsequent to the time associated with the first time parameter; and transmit, via the communication module to the client device, a time-varied provisional score indication for display at the client device for comparison with the first provisional score. ### Claim 7 (depends on 1) The system of claim 1, wherein the identifier is a user identifier associated with a geographical region, and wherein the first provisional score is further based on aggregated score data associated with a plurality of other data records associated with the geographical region. ### Claim 8 (depends on 1) The system of claim 1, wherein the shared resource includes at least one of a cash-advance, a line-of-credit, a mortgage, a credit card, and digital assets. ### Claim 9 (depends on 1) The system of claim 1, wherein the existing score indication includes a credit score indication associated with the data record, and wherein the first provisional score indication includes a first provisional credit score indication associated with allocating the shared resource at the time indicated by the first time parameter. ### Claim 10 (depends on 1) The system of claim 1, wherein the client device includes a near-field communications device coupled to a client device processor, wherein the notification application on the client device is a mobile payment application, and wherein the client device includes a memory storing instructions that, when executed, cause the client device processor to confirm a payment at a point-of-sale terminal. ### Claim 11 A computer-implemented method of allocating resources, the method comprising: obtaining a data record corresponding to an identifier and transmitting, via a communication module to a notification application on a client device, an existing score indication corresponding to the data record for display at the client device; receiving, via the communication module, a first time parameter and an action indicator associated with a shared resource and, in response, determining a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmitting, via the communication module to the client device, the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction via the selectable option, allocating the shared resource associated with the action indicator. ### Claim 12 (depends on 11) The method of claim 11, wherein the action indicator corresponds to at least one of requesting the shared resource and varying allocation of the shared resource. ### Claim 13 (depends on 11) The method of claim 11, further comprising determining that the first provisional score is greater than a minimum threshold score and, in response, transmitting the first provisional score indication and the selectable option associated with the action indicator for display at the client device. ### Claim 14 (depends on 11) The method of claim 11, further comprising: determining an alternate provisional score corresponding to the data record based on an alternate action indicator associated with an alternate shared resource and determining that the alternate provisional score is greater than the first provisional score; and in response to determining that the alternate provisional score is greater than the first provisional score, transmitting an alternate provisional score indication and an alternate selectable option associated with the alternate action indicator for display at the client device. ### Claim 15 (depends on 14) The method of claim 14, wherein the alternate shared resource is an shared resource associated with the data record. ### Claim 16 (depends on 11) The method of claim 11, further comprising: determining a time-varied provisional score at an alternate time that is different than the time associated with the first time parameter, wherein the alternate time is subsequent to the time associated with the first time parameter; and transmitting, via the communication module to the client device, a time-varied provisional score indication for display at the client device for comparison with the first provisional score. ### Claim 17 (depends on 11) The method of claim 11, wherein the identifier is a user identifier associated with a geographical region, and wherein the first provisional score is further based on aggregated score data associated with a plurality of other data records associated with the geographical region. ### Claim 18 (depends on 11) The method of claim 11, wherein the shared resource includes at least one of a cash-advance, a line-of-credit, a mortgage, a credit card, and digital assets. ### Claim 19 (depends on 11) The method of claim 11, wherein the existing score indication includes a credit score indication associated with the data record, and wherein the first provisional score indication includes a first provisional credit score indication associated with allocating the shared resource to the data record at a time indicated by the first time parameter. ### Claim 20 A non-transitory computer-readable storage medium storing instructions for allocating shared resources, the instructions, when executed by a processor of a system, cause the system to: obtain a data record corresponding to an identifier and transmit, via a communication module to a notification application on a client device, an existing score indication corresponding to the data record for display at the client device; receive, via the communication module, a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit, via the communication module to the client device, the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction via the selectable option, allocate the shared resource associated with the action indicator.