US 2020/0402154 A1Published application

Resource utilization management platform

AssigneeBank of America Corporation

InventorsAlicia C. Jones-McFadden, Katherine Dintenfass

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Abstract

Embodiments of the invention are directed to a system, method, or computer program product for deferred resource management platform for individual users receiving term specific deferred resource opportunities. Upon receipt of a potential deferred resource, the system may specific criteria for receiving the resources in the future at a receiving entity. The system provides a trackable network for connections between parties to maintain a directory format for filtering and alerting the parties of criteria being reached, timelines, and the like associated with the resource distribution. The system provides proof of the criteria being reached and approves the resource distribution at the appropriate time.

Claims20

Dependent claims

A system for deferred resource utilization, the system comprising:

a memory device with computer-readable program code stored thereon;
a communication device, wherein the communication device is configured to establish operative communication with a plurality of networked devices via a communication network;
a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to:
generate a platform identification for a user;
receive multiple deferred resources for the user, wherein the deferred resource received includes terms and criteria for deployment at a deferred time, wherein multiple donors provide one or more of each of the multiple deferred resources;
monitor user activity to confirm terms and criteria maintenance for reach deferred resource;
authorize to a receiver entity the maintenance of the terms and criteria for the deferred resource;
distribute resources associated with the deferred resource upon authorization to the receiver entity for a specified application;
and
identify under-utilized resources for the specified application and transmit notification of the under-utilized resources to the donor for distribution to a second user or second specified application.

7 more elements

A computer program product for deferred resource utilization, 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 for generating a platform identification for a user;
an executable portion configured for receiving multiple deferred resources for the user, wherein the deferred resource received includes terms and criteria for deployment at a deferred time, wherein multiple donors provide one or more of each of the multiple deferred resources;
an executable portion configured for monitoring user activity to confirm terms and criteria maintenance for reach deferred resource;
an executable portion configured for authorizing to a receiver entity the maintenance of the terms and criteria for the deferred resource;
an executable portion configured for distributing resources associated with the deferred resource upon authorization to the receiver entity for a specified application;
and
an executable portion configured for identifying under-utilized resources for the specified application and transmit notification of the under-utilized resources to the donor for distribution to a second user or second specified application.

4 more elements

A computer-implemented method for deferred resource utilization, the 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:
generating a platform identification for a user;
receiving multiple deferred resources for the user, wherein the deferred resource received includes terms and criteria for deployment at a deferred time, wherein multiple donors provide one or more of each of the multiple deferred resources;
monitoring user activity to confirm terms and criteria maintenance for reach deferred resource;
authorizing to a receiver entity the maintenance of the terms and criteria for the deferred resource;
distributing resources associated with the deferred resource upon authorization to the receiver entity for a specified application;
and
identifying under-utilized resources for the specified application and transmit notification of the under-utilized resources to the donor for distribution to a second user or second specified application.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/446,864Filed 20 Jun 2019
Published: 24 Dec 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
H04L 63/083
For authentication of entities: using passwords
H04L 63/102
For controlling access to devices or network resources: entity profiles
H04L 67/34
Network arrangements or protocols for supporting network services or applications: involving the movement of software or configuration parameters

Family

No related US applications are recorded in the indexed filing history.

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