# US 11,115,345 B2 · Systems and methods for providing self-referencing utilization calculation and dynamic resource allocation based thereon for digital transmissions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,115,345 B2 - Document ID: US11115345B2 - Status: Granted - Kind: B2 - Application number: 16/403,729 - Filed: 2019-05-06 - Published: 2020-11-12 - Granted: 2021-09-07 - Earliest claimed: 2019-05-06 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: Manu Kurian; Gopikrishna Nemalikanti; Saritha Vrittamani; Jayachandra Varma; Jason T. Findley - Web page: https://patentgrep.com/patent/US11115345B2 ## CPC - H04L 47/726: Reserving resources in multiple paths to be used simultaneously (by balancing the load H04L47/125) - H04L 47/808: {User-type aware} - H04L 41/22: comprising specially adapted graphical user interfaces [GUI] - H04L 43/0876: Network utilisation, e.g. volume of load or congestion level - H04L 43/16: Threshold monitoring - H04L 47/125: by balancing the load, e.g. traffic engineering - H04L 47/365: {Dynamic adaptation of the packet size} - H04L 47/822: {Collecting or measuring resource availability data} - H04L 47/826: {Involving periods of time} - H04L 47/828: {Allocation of resources per group of connections, e.g. per group of users} - H04L 47/83: based on usage prediction - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract Systems and methods for self-referencing utilization calculation and dynamic resource allocation for digital transmissions are provided. Systems may include a target resource module configured to derive and store a target resource allocation for each sender from a plurality of senders. Systems may include a cost-calculation engine configured to generate a resource cost estimate for a transmission based on metadata associated with the transmission, and embed the resource cost estimate in the metadata. Systems may also include a resource allocation module configured to allocate digital resources for the transmission based on the metadata. Allocating digital resources for the transmission may reserve the digital resources for the transmission and prevent overloading of the digital resources. ## Claims ### Claim 1 A method for allocating resources for processing and storing digital transmissions, the method comprising: capturing metadata that is associated with a transmission, said metadata comprising: a sender of the transmission; a size of the transmission; and a location of a source of the transmission; mining, using an artificial intelligence (“AI”) machine-learning neural network, a predetermined set of Internet news sources to obtain information that relates to the sender of the transmission; computing a relevancy score based on the information, wherein the relevancy score relates to an increased or decreased level of digital transmissions from the sender; calculating, based on the metadata, a cost of the transmission; embedding the cost as part of the metadata; and allocating, based on the metadata and the relevancy score, a portion of digital resources for the transmission; wherein: the allocating the portion of the digital resources for the transmission reserves an amount of the digital resources for the transmission and prevents overloading of the digital resources. ### Claim 2 (depends on 1) The method of claim 1, wherein: the cost comprises: an estimate of a resource cost to an entity associated with the digital resources; and a monetary cost to the sender; the calculating the cost is at least in part a function of the sender, the size, and the location; the digital resources comprise memory, processing power, and/or communication bandwidth; and the allocating the portion of the digital resources is based at least in part on the cost. ### Claim 3 (depends on 1) The method of claim 1, further comprising: measuring an actual resource cost of the transmission; and based on a difference between the actual resource cost and the cost of the transmission that was calculated based on the metadata, adjusting a calculation used for the calculating. ### Claim 4 (depends on 1) The method of claim 1, wherein the metadata further comprises a security profile, said security profile that defines a level of security for the transmission, and the calculating the cost and the allocating the portion of the digital resources are based at least in part on the security profile. ### Claim 5 (depends on 1) The method of claim 1, wherein the transmission is one of a plurality of transmissions, and a metadata record of each of the plurality of transmissions is stored in a database, and the method further comprises: deriving a historical trend based on the metadata records in the database; generating a target allocation amount based on the historical trend; and when the amount allocated based on the metadata is more than a threshold difference apart from the target allocation amount, flagging the transmission, said flagging comprising rejecting the transmission and/or sending an alert message to an entity associated with the digital resources. ### Claim 6 (depends on 5) The method of claim 5, further comprising dynamically adjusting the target allocation amount when a new metadata record is stored in the database. ### Claim 7 (depends on 5) The method of claim 5, wherein the plurality of transmissions are sent by a plurality of senders, and the method further comprises generating a target allocation amount for each of the plurality of senders. ### Claim 8 (depends on 5) The method of claim 5, further comprising: adjusting the target allocation amount in real-time based on the information. ### Claim 9 (depends on 1) The method of claim 1, further comprising configuring a digital dashboard to provide the sender with access to the cost. ### Claim 10 (depends on 1) The method of claim 1, wherein the metadata is encapsulated with the transmission. ### Claim 11 (depends on 1) The method of claim 1, wherein the transmission is scheduled by a preliminary transmission, and the metadata is encapsulated with the preliminary transmission. ### Claim 12 A method for real-time cost calculation and smart resource allocation for a digital transmission, the digital transmission comprising a payload and associated with metadata, the metadata comprising a sender of the digital transmission, a size of the digital transmission, and a location of a source of the digital transmission, the method comprising: deriving and storing a target resource allocation for each sender from a plurality of senders, wherein deriving the target resource allocation for a sender is based on a historical record of metadata of transmissions from the sender; receiving the digital transmission; generating a cost estimate based on the metadata of the digital transmission; embedding the cost estimate in the metadata of the digital transmission; mining, using an artificial intelligence (“AI”) machine-learning neural network, a predetermined set of Internet news sources to obtain information that relates to each sender of the transmission; computing a relevancy score based on the information, wherein the relevancy score relates to an increased or decreased level of digital transmissions from the sender; allocating digital resources for the digital transmission based on the metadata of the digital transmission and the relevancy score; triggering an alert when the digital resources allocated for the digital transmission are more than a threshold difference apart from the target resource allocation for the sender of the digital transmission; and updating the historical record of the sender of the digital transmission based on the metadata of the digital transmission; wherein the allocating digital resources for the digital transmission reserves the digital resources for the digital transmission and prevents overloading of the digital resources. ### Claim 13 (depends on 12) The method of claim 12, further comprising: adjusting the target resource allocations in real-time based on the information. ### Claim 14 (depends on 12) The method of claim 12, wherein the metadata of the digital transmission further comprises a security profile, said security profile that defines a level of security for the digital transmission, and the generating the cost estimate and the allocating digital resources are based at least in part on the security profile. ### Claim 15 (depends on 12) The method of claim 12, wherein the receiving the digital transmission comprises receiving a preliminary transmission that schedules the digital transmission, and the preliminary transmission comprises the metadata associated with the digital transmission. ### Claim 16 A computer system with self-referencing transmission cost calculation and dynamic resource allocation, said computer system comprising: a target resource module, said target resource module configured to: derive and store a target resource allocation for each sender from a plurality of senders, each target resource allocation for a sender derived based on a historical record of metadata of transmissions from the sender; mine, using an artificial intelligence (“AI”) machine-learning neural network, a predetermined set of Internet news sources to obtain information that relates to each sender; and compute a relevancy score based on the information, wherein the relevancy score relates to an increased or decreased level of digital transmissions from each sender; a cost-calculation engine, said cost-calculation engine configured to: receive a transmission, generate a cost estimate based on metadata associated with the transmission, said metadata comprising a sender of the transmission, a size of the transmission, and a location of a source of the transmission; and embed the cost estimate in the metadata; and a resource allocation module, said resource allocation module configured to allocate digital resources for the transmission based on the metadata, wherein allocating digital resources for the transmission reserves the digital resources for the transmission and prevents overloading of the digital resources; wherein the computer system is configured to: trigger an alert when the digital resources allocated for the transmission are more than a threshold difference apart from the target resource allocation for sender of the transmission; and update the historical record of the sender of the transmission based on the metadata of the transmission. ### Claim 17 (depends on 16) The computer system of claim 16, wherein the target resource module is configured to: adjust the target resource allocation of each sender in real-time based on the information. ### Claim 18 (depends on 16) The computer system of claim 16, wherein the metadata associated with the transmission further comprises a security profile, said security profile that defines a level of security for the transmission, and the computer system is further configured to generate the cost estimate and allocate digital resources based at least in part on the security profile. ### Claim 19 (depends on 16) The computer system of claim 16, wherein the cost-calculation engine is further configured to receive the transmission by receiving a preliminary transmission that schedules the transmission, and the preliminary transmission comprises the metadata associated with the transmission.