System for real time provisioning of resources based on condition monitoring
AssigneeBank of America Corporation
InventorKatherine Dintenfass
Life of this patent
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Abstract
Embodiments of the present disclosure provide a system for real time provisioning and optimization of a user's resources based on both historical and real time data associated with the user. In particular, the system may comprise a data analytics engine which may continuously analyze user data from various data sources. The aggregated data may be processed through a predictive engine which may use artificial intelligence and/or machine learning to predict a user's actions within the system. Based on the prediction, the system may provide an optimized allocation of resources with respect to the predicted actions of the user.
Claims14
A system for real time provisioning of resources based on condition monitoring, the system comprising:
- a memory device with computer-readable program code stored thereon;
- a communication device;
- and
- a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to:
- continuously collect, via a data analytics engine, user data associated with a user from a user computing device;
- construct a user profile associated with the user based on the user data;
- predict, via a predictive engine, that a user intends to take a first action based on historical location data associated with the user, real-time location data associated with the user, and Internet browsing data associated with the user;
- based on the user profile, perform a validation check of the first action, wherein the validation check comprises verifying that the user meets one or more requirements to take the first action;
- based on the performing the validation check, determine that the user profile is consistent with the first action;
- generate a resource allocation projection associated with the first action;
- and
- transmit the resource allocation projection to the user computing device.
A computer program product for real time provisioning of resources based on condition monitoring, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising executable code portions for:
- continuously collecting, via a data analytics engine, user data associated with a user from a user computing device;
- constructing a user profile associated with the user based on the user data;
- predicting, via a predictive engine, that a user intends to take a first action based on historical location data associated with the user, real-time location data associated with the user, and Internet browsing data associated with the user;
- based on the user profile, performing a validation check of the first action, wherein the validation check comprises verifying that the user meets one or more requirements to take the first action;
- based on the performing the validation check, determining that the user profile is consistent with the first action;
- generating a resource allocation projection associated with the first action;
- and
- transmitting the resource allocation projection to the user computing device.
A computer-implemented method for real time provisioning of resources based on condition monitoring, the method comprising:
- continuously collecting, via a data analytics engine, user data associated with a user from a user computing device;
- constructing a user profile associated with the user based on the user data;
- predicting, via a predictive engine, that a user intends to take a first action based on historical location data associated with the user, real-time location data associated with the user, and Internet browsing data associated with the user;
- based on the user profile, performing a validation check of the first action, wherein the validation check comprises verifying that the user meets one or more requirements to take the first action;
- based on the performing the validation check, determining that the user profile is consistent with the first action;
- generating a resource allocation projection associated with the first action;
- and
- transmitting the resource allocation projection to the user computing device.
Dependencies are inferred from the claim text.