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US 2018/0322475 A1Published application
System for multi-factor linkage and management for resource distribution
AssigneeBank of America Corporation
InventorsKatherine Dintenfass, Victoria L. Dravneek, Elizabeth S. Votaw
Life of this patent
Estimating the term…
Abstract
A system for linking and managing resources across multiple platforms for distribution to address future actions is provided. The system allows users to establish a collaboration to address a future action and facilitates linking of user accounts to allow for efficient transfer of resources. In this way, the system allows users to effectively address a future action through management of resources.
Claims20
A system for linking and managing resources across multiple platforms for distribution to address future actions, the system comprising:
- a memory device;
- and
- one or more processing devices operatively coupled to the memory device, wherein the one or more processing devices are configured to execute computer-readable program code to:
- receive a request, from a computing device of a first user to establish a collaboration for addressing one or more future actions between a plurality of users associated with the first user;
- transmit a request, to computing devices of each of the plurality of users, to contribute to the one or more future actions;
- receive, from a computing device of a second user, an acceptance from the second user, wherein the acceptance from the second user is associated with an approval to link a resource account of the second user with the collaboration for addressing the one or more future actions;
- receive, from a computing device of a third user, an acceptance from the third user, wherein the acceptance from the third user is associated with an approval to link a resource account of the third user with the collaboration for addressing the one or more future actions;
- identify a first future action of the one or more future actions;
- identify a total resource amount associated with addressing the first future action;
- in response to identifying the total resource amount associated with addressing the first future action, transmit a request, to the computing device of the second user, to approve a transfer of a first amount of resources from the resource account of the second user to a combined resource account associated with addressing the first future action;
- in response to identifying the total resource amount associated with addressing the first future action, transmit a request, to the computing device of the third user, to approve a transfer of a second amount of resources from the resource account of the third user to the combined resource account associated with addressing the first future action;
- receive, from the computing device of the second user, an acceptance to transfer the first amount of resources from the resource account of the second user to the combined resource account;
- transfer the first amount of resources from the resource account of the second user to the combined resource account;
- receive, from the computing device of the third user, an acceptance to transfer the second amount of resources from the resource account of the third user to the combined resource account;
- transfer the second amount of resources from the resource account of the third user to the combined resource account;
- and
- transfer the total resource amount from the combined resource account to one or more merchants associated with the first future action.
14 more elements
A computer program product for linking and managing resources across multiple platforms for distribution to address future actions, the computer program product comprising at least one non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:
- receiving a request, from a computing device of a first user to establish a collaboration for addressing one or more future actions between a plurality of users associated with the first user;
- transmitting a request, to computing devices of each of the plurality of users, to contribute to the one or more future actions;
- receiving, from a computing device of a second user, an acceptance from the second user, wherein the acceptance from the second user is associated with an approval to link a resource account of the second user with the collaboration for addressing the one or more future actions;
- receiving, from a computing device of a third user, an acceptance from the third user, wherein the acceptance from the third user is associated with an approval to link a resource account of the third user with the collaboration for addressing the one or more future actions;
- identifying a first future action of the one or more future actions;
- identifying a total resource amount associated with addressing the first future action;
- in response to identifying the total resource amount associated with addressing the first future action, transmitting a request, to the computing device of the second user, to approve a transfer of a first amount of resources from the resource account of the second user to a combined resource account associated with addressing the first future action;
- in response to identifying the total resource amount associated with addressing the first future action, transmitting a request, to the computing device of the third user, to approve a transfer of a second amount of resources from the resource account of the third user to the combined resource account associated with addressing the first future action;
- receiving, from the computing device of the second user, an acceptance to transfer the first amount of resources from the resource account of the second user to the combined resource account;
- transferring the first amount of resources from the resource account of the second user to the combined resource account;
- receiving, from the computing device of the third user, an acceptance to transfer the second amount of resources from the resource account of the third user to the combined resource account;
- transferring the second amount of resources from the resource account of the third user to the combined resource account;
- and
- transferring the total resource amount from the combined resource account to one or more merchants associated with the first future action.
11 more elements
A computer implemented method for linking and managing resources across multiple platforms for distribution to address future actions, said computer implemented method comprising:
- providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations:
- receiving a request, from a computing device of a first user to establish a collaboration for addressing one or more future actions between a plurality of users associated with the first user;
- transmitting a request, to computing devices of each of the plurality of users, to contribute to the one or more future actions;
- receiving, from a computing device of a second user, an acceptance from the second user, wherein the acceptance from the second user is associated with an approval to link a resource account of the second user with the collaboration for addressing the one or more future actions;
- receiving, from a computing device of a third user, an acceptance from the third user, wherein the acceptance from the third user is associated with an approval to link a resource account of the third user with the collaboration for addressing the one or more future actions;
- identifying a first future action of the one or more future actions;
- identifying a total resource amount associated with addressing the first future action;
- in response to identifying the total resource amount associated with addressing the first future action, transmitting a request, to the computing device of the second user, to approve a transfer of a first amount of resources from the resource account of the second user to a combined resource account associated with addressing the first future action;
- in response to identifying the total resource amount associated with addressing the first future action, transmitting a request, to the computing device of the third user, to approve a transfer of a second amount of resources from the resource account of the third user to the combined resource account associated with addressing the first future action;
- receiving, from the computing device of the second user, an acceptance to transfer the first amount of resources from the resource account of the second user to the combined resource account;
- transferring the first amount of resources from the resource account of the second user to the combined resource account;
- receiving, from the computing device of the third user, an acceptance to transfer the second amount of resources from the resource account of the third user to the combined resource account;
- transferring the second amount of resources from the resource account of the third user to the combined resource account;
- and
- transferring the total resource amount from the combined resource account to one or more merchants associated with the first future action.
12 more elements
Dependencies are inferred from the claim text.