# US 2020/0401448 A1 · Intelligent resource initiation and deployment system > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2020/0401448 A1 - Document ID: US20200401448A1 - Status: Published application - Kind: A1 - Application number: 16/447,501 - Filed: 2019-06-20 - Published: 2020-12-24 - Earliest claimed: 2019-06-20 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: Kerry Michelle Cantley; Heather Roseann Dolan - Web page: https://patentgrep.com/patent/US20200401448A1 ## CPC - G06F 9/50: Allocation of resources, e.g. of the central processing unit [CPU] - G06F 9/542: {Event management; Broadcasting; Multicasting; Notifications} - G06F 9/545: {where tasks reside in different layers, e.g. user- and kernel-space} - G06F 2209/5011: Pool - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract An intelligent resource initiation and deployment system is provided that identifies a location of a user, identifies entities adjacent the user based on the user location, and identifies a resource application and/or the resource pools. The invention identifies a resource pool which optimizes resource grants for the user based on the desired outcome of the user and/or the entity at which the user is located. The system further includes identifying when the resource pool is active, or what additional information is needed for the user to make the optimized resource pool active. The present invention shifts the processing capacity, memory, and processing speeds related to determination and selection of a resource pool and/or validation of the resource pool during interactions from the time of the interaction to before the interaction is even initiated. ## Claims ### Claim 1 A system for initiating and deploying resources for interactions, the system comprising: one or more memory components having computer readable code store 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: identify a user location of a user using a user computer system of the user; identify an entity at which the user is located based on the user location; identify a plurality of resource pools; identify a resource pool from the plurality of resource pools based on optimization of resource grants for the plurality of resource pools based on using each of the plurality of resource pools with the entity; and send a resource pool notification to the user computer system of the user before the user enters into an interaction with the entity. ### Claim 2 (depends on 1) The system of claim 1, wherein identifying the plurality of resource pools comprises identifying a resource application of the user and identifying one or more user resource pools within the resource application; and accessing one or more providers of resource pools and identifying one or more potential resource pools that the user does not currently have. ### Claim 3 (depends on 1) The system of claim 1, wherein sending the resource pool notification to the user computer system of the user comprises: changing an interface on a display of the user computer system of the user with a resource status indicator to indicate that the resource pool is recommended for use with the entity. ### Claim 4 (depends on 1) The system of claim 1, wherein sending the resource pool notification to the user computer system of the user comprises: changing an interface on a display of the user computer system of the user with a resource status indicator to indicate that the resource pool within the resource application is active and ready for use with the entity. ### Claim 5 (depends on 1) The system of claim 1, wherein sending the resource pool notification to the user computer system of the user comprises: changing an interface on a display of the user computer system of the user with a resource status indicator to indicate that the resource pool recommended requires activation by the user before use with the entity. ### Claim 6 (depends on 1) The system of claim 1, wherein the user location is based on one or more location determining components of the user computer system of the user. ### Claim 7 (depends on 6) The system of claim 6, wherein the one or more location determining components utilize near-field communication (NFC) with one or more third-party systems in order to determine the user location. ### Claim 8 (depends on 6) The system of claim 6, wherein the one or more location determining components utilize global positioning systems (GPS) in order to determine the user location. ### Claim 9 (depends on 6) The system of claim 6, wherein the one or more location determining components utilize geo-fencing in order to determine the user location. ### Claim 10 (depends on 2) The system of claim 2, wherein the resource application of the user is a digital wallet and the plurality of resource pools are a plurality of resource accounts. ### Claim 11 (depends on 1) The system of claim 1, wherein identifying the resource pool from the plurality of resource pools comprises identifying the resource pool that is provided by the entity at which the user is located. ### Claim 12 (depends on 2) The system of claim 2, wherein identifying the resource pool from the plurality of resource pools comprises identifying an available resource pool that is currently in the resource application. ### Claim 13 (depends on 2) The system of claim 2, wherein identifying the resource pool from the plurality of resource pools comprises identifying a potential resource pool that is not in the resource application of the user. ### Claim 14 (depends on 13) The system of claim 13, wherein sending the resource pool notification to the user computer system of the user before the user enters into the interaction with the entity comprises notifying the user of the potential resource pool that is not in the resource application of the user by changing an interface on a display of the user computer system of the user. ### Claim 15 (depends on 1) The system of claim 1, wherein identifying the resource pool from the plurality of resource pools based on optimization of resource grants comprises identifying the resource pool that provides maximized resources for the interaction with the entity at the user location. ### Claim 16 (depends on 1) The system of claim 1, wherein sending the resource pool notification to the user computer system of the user comprises changing an interface on a display of the user computer system to provide a resource status indicator, and wherein the resource status indicator comprises one or more resource pools, one or more resource grants for the one or more resource pools for the interaction with the entity at the user location, and an indication if the one or more resource pools are active. ### Claim 17 A computer implemented method for initiating and deploying resources for interactions, the method comprising: identifying, by one or more processing components, a user location of a user using a user computer system of the user; identifying, by the one or more processing components, an entity at which the user is located based on the user location; identifying, by the one or more processing components, a plurality of resource pools; identifying, by the one or more processing components, a resource pool from the plurality of resource pools based on optimization of resource grants for the plurality of resource pools based on using each of the plurality of resource pools with the entity; and sending, by the one or more processing components, a resource pool notification to the user computer system of the user before the user enters into an interaction with the entity. ### Claim 18 (depends on 17) The method of claim 17, wherein identifying the plurality of resource pools comprises: identifying a resource application of the user and identifying one or more user resource pools within the resource application; and accessing one or more providers of resource pools and identifying one or more potential resource pools that the user does not currently have. ### Claim 19 (depends on 17) The method of claim 17, wherein sending the resource pool notification to the user computer system of the user comprises: changing an interface on a display of the user computer system of the user with a resource status indicator to indicate that the resource pool is recommended for use with the entity. ### Claim 20 A computer program product for initiating and deploying resources for interactions, 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 identify a user location of a user using a user computer system of the user; an executable portion configured to identify an entity at which the user is located based on the user location; an executable portion configured to identify a plurality of resource pools; an executable portion configured to identify a resource pool from the plurality of resource pools based on optimization of resource grants for the plurality of resource pools based on using each of the plurality of resource pools with the entity; and an executable portion configured to send a resource pool notification to the user computer system of the user before the user enters into an interaction with the entity.