# US 12,015,565 B2 · Systems and methods for resource allocation > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,015,565 B2 - Document ID: US12015565B2 - Status: Granted - Kind: B2 - Application number: 18/170,073 - Filed: 2023-02-16 - Published: 2023-08-31 - Granted: 2024-06-18 - Earliest claimed: 2019-07-09 - Assignees: The Toronto-Dominion Bank - Applicants: The Toronto-Dominion Bank - Inventors: Kareem El-Onsi; Garima Aggarwal; Raymond Alan Young - Web page: https://patentgrep.com/patent/US12015565B2 ## CPC - H04L 47/781: {Centralised allocation of resources} - H04L 47/29: {using a combination of thresholds} - H04L 47/808: {User-type aware} - H04L 47/822: {Collecting or measuring resource availability data} - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources. ## Claims ### Claim 1 A computing system, comprising: a processor; and a memory coupled to the processor, the memory storing computer-executable instructions that, when executed by the processor, configure the processor to: allocate a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detect a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determine a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmit, to the computing device, a message representing an offer for lending the second quantity of resources. ### Claim 2 (depends on 1) The computing system of claim 1, wherein the instructions, when executed, further configure the processor to: receive, via the computing device associated with the entity, input including a selection of the first device operation, wherein the first quantity of resources is allocated responsive to receiving the input. ### Claim 3 (depends on 1) The computing system of claim 1, wherein determining the second quantity of resources comprises determining an increase in quantity of resources associated with the entity for allocating to the first device operation. ### Claim 4 (depends on 3) The computing system of claim 3, wherein determining the increase in quantity of resources associated with the entity for allocating to the first device operation comprises determining a quantity of resources available for borrowing by the entity, and wherein the instructions, when executed, further configure the processor to transmit, to the computing device, a second message indicating the quantity of resources available for borrowing. ### Claim 5 (depends on 4) The computing system of claim 4, wherein detecting the trigger condition comprises determining that the quantity of resources available for borrowing is greater than a difference between the threshold quantity of resources associated with the first device operation and the total quantity of resources associated with the one or more database records that is previously allocated to the first device operation. ### Claim 6 (depends on 3) The computing system of claim 3, wherein the entity is associated with at least one other operation different from the first device operation, and wherein determining the increase in quantity of resources associated with the entity for allocating to the first device operation comprises determining a change in allocation of resources associated with the entity to one or more of the at least one other operation. ### Claim 7 (depends on 2) The computing system of claim 2, wherein the input includes a date parameter associated with the first device operation, and wherein detecting the trigger condition comprises determining that a current date is within a time range defined based on the date parameter associated with the first device operation. ### Claim 8 (depends on 1) The computing system of claim 1, wherein detecting the trigger condition comprises determining, based on transactions data for the entity, that at least a threshold number of transactions associated with the first device operation have been completed. ### Claim 9 (depends on 2) The computing system of claim 2, wherein the input includes at least one location associated with the first device operation, and wherein detecting the trigger condition comprises detecting, based on location data for the computing device, that the computing device is located at one of the at least one location. ### Claim 10 (depends on 1) The computing system of claim 1, wherein detecting the trigger condition comprises detecting that the threshold quantity of resources associated with the first device operation has changed. ### Claim 11 A computer-implemented method, comprising: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources. ### Claim 12 (depends on 11) The method of claim 11, further comprising receiving, via the computing device associated with the entity, input including a selection of the first device operation, wherein the first quantity of resources is allocated responsive to receiving the input. ### Claim 13 (depends on 11) The method of claim 11, wherein determining the second quantity of resources comprises determining an increase in quantity of resources associated with the entity for allocating to the first device operation. ### Claim 14 (depends on 13) The method of claim 13, wherein determining the increase in quantity of resources associated with the entity for allocating to the first device operation comprises determining a quantity of resources available for borrowing by the entity, and wherein the method further comprises transmitting, to the computing device, a second message indicating the quantity of resources available for borrowing. ### Claim 15 (depends on 14) The method of claim 14, wherein detecting the trigger condition comprises determining that the quantity of resources available for borrowing is greater than a difference between the threshold quantity of resources associated with the first device operation and the total quantity of resources associated with the one or more database records that is previously allocated to the first device operation. ### Claim 16 (depends on 13) The method of claim 13, wherein the entity is associated with at least one other operation different from the first device operation, and wherein determining the increase in quantity of resources associated with the entity for allocating to the first device operation comprises determining a change in allocation of resources associated with the entity to one or more of the at least one other operation. ### Claim 17 (depends on 12) The method of claim 12, wherein the input includes a date parameter associated with the first device operation, and wherein detecting the trigger condition comprises determining that a current date is within a time range defined based on the date parameter associated with the first device operation. ### Claim 18 (depends on 11) The method of claim 11, wherein detecting the trigger condition comprises determining, based on transactions data for the entity, that at least a threshold number of transactions associated with the first device operation have been completed. ### Claim 19 (depends on 12) The method of claim 12, wherein the input includes at least one location associated with the first device operation, and wherein detecting the trigger condition comprises detecting, based on location data for the computing device, that the computing device is located at one of the at least one location. ### Claim 20 (depends on 11) The method of claim 11, wherein detecting the trigger condition comprises detecting that the threshold quantity of resources associated with the first device operation has changed.