US 2019/0158390 A1Published application

Centralized resource routing and distribution

AssigneeBank of America Corporation

InventorsAnand Ahuja, Alfred James Reed, Joe Nathan Lamar, III, Ayeesha Sachedina

Life of this patent

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Abstract

The centralized resource routing and distribution improves upon the routing of interactions and distribution of resources for interactions between users and operator entities. A centralized gateway is provided through which interactions may be routed and resources distributed using one or more substitute interfaces. The one or more substitute interfaces may mimic interfaces of the operator, or otherwise provide a universal interface for use of multiple resource pools for the interactions. Use of the gateway and substitute interfaces increases processing capacity, reduces memory requirements, and/or improves processing time for both the operator entities and the organization entities since it provides for centralized routing and distribution for multiple operator entities without the operator entities having to store and/or process user information or the interactions associated therewith.

Claims20

Dependent claims

A system for centralized resource routing and distribution, the system comprising:

one or more memory components having computer readable code stored thereon;
and
one or more processing components operatively coupled to the one or more memory components, wherein the one or more processing components are configured to execute the computer readable code to:
receive an interaction notification for an interaction between a user and an operator entity, wherein the interaction notification is received through one or more operator entity systems;
receive a selection indication that the user would like to utilize a resource pool of a resource entity for the interaction;
determine a resource pool interface, including at least required resource pool information for entering into the interaction using the resource pool, wherein the resource pool information is determined from a resource pool database or from communicating with one or more resource entity systems;
display the resource pool interface with the required resource pool information for the resource pool, wherein the resource pool interface is provided to the operator entity in place of one or more operator interfaces, and wherein the resource pool interface is provided through the one or more operator entity systems for display to the user on a user computer system or on the one or more operator entity systems;
receive the required resource pool information for the resource pool;
authenticate the user for the resource pool, wherein the authentication occurs by accessing a user authentication database or by communicating with the one or more resource entity systems;
determine routing of the interaction for the resource pool based on a routing factor;
and
completing the interaction between the user, the operator entity, and the resource entity.

9 more elements

A computer implemented method for centralized resource routing and distribution, the method comprising:

receiving, by one or more processing components, an interaction notification for an interaction between a user and an operator entity, wherein the interaction notification is received through one or more operator entity systems;
receiving, by the one or more processing components, a selection indication that the user would like to utilize a resource pool of a resource entity for the interaction;
determining, by the one or more processing components, a resource pool interface, including at least required resource pool information for entering into the interaction using the resource pool, wherein the resource pool information is determined from a resource pool database or from communicating with one or more resource entity systems;
displaying, by the one or more processing components, the resource pool interface with the required resource pool information for the resource pool, wherein the resource pool interface is provided to the operator entity in place of one or more operator interfaces, and wherein the resource pool interface is provided through the one or more operator entity systems for display to the user on a user computer system or on the one or more operator entity systems;
receiving, by the one or more processing components, the required resource pool information for the resource pool;
authenticating, by the one or more processing components, the user for the resource pool, wherein the authentication occurs by accessing a user authentication database or by communicating with the one or more resource entity systems;
determining, by the one or more processing components, routing of the interaction for the resource pool based on a routing factor;
and
completing, by the one or more processing components, the interaction between the user, the operator entity, and the resource entity.

6 more elements

A computer program product for centralized resource routing and distribution, 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:

an executable portion configured to receive an interaction notification for an interaction between a user and an operator entity, wherein the interaction notification is received through one or more operator entity systems;
an executable portion configured to receive a selection indication that the user would like to utilize a resource pool of a resource entity for the interaction;
an executable portion configured to determine a resource pool interface, including at least required resource pool information for entering into the interaction using the resource pool, wherein the resource pool information is determined from a resource pool database or from communicating with one or more resource entity systems;
an executable portion configured to display the resource pool interface with the required resource pool information for the resource pool, wherein the resource pool interface is provided to the operator entity in place of one or more operator interfaces, and wherein the resource pool interface is provided through the one or more operator entity systems for display to the user on a user computer system or on the one or more operator entity systems;
an executable portion configured to receive the required resource pool information for the resource pool;
an executable portion configured to authenticate the user for the resource pool, wherein authentication occurs by accessing a user authentication database or by communicating with the one or more resource entity systems;
an executable portion configured to determine routing of the interaction for the resource pool based on a routing factor;
and
an executable portion configured to completing the interaction between the user, the operator entity, and the resource entity.

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 15/816,798Filed 17 Nov 2017
Published: 23 May 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification8 codes

H04L 45/42
Routing or path finding of packets in data switching networks: centralised routing
H04L 12/66
Data switching networks: arrangements for connecting between networks having differing types of switching systems, e.g. gateways
H04L 47/70
Traffic control in data switching networks: admission control; Resource allocation
H04L 63/08
Network architectures or network communication protocols for network security: for authentication of entities