System for resource presentment and allocation based on historical data usage

A computer program product for resource presentment and allocation based on historical data usage, 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 receiving, by a resource network from an external resource entity, a resource allocation offer associated with a resource distribution transaction,
• an executable portion configured for determining, based on historical resource distribution data stored within a memory resource, a user of a plurality of users that would utilize the resource allocation offer,
• an executable portion configured for transmitting, to a user device associated with the user via a resource application, a first communication that indicates the resource allocation offer,
• an executable portion configured for receiving, from the user device associated with the user, a second communication that indicates acceptance of the resource allocation offer,
• an executable portion configured for storing, in the memory resource, data that indicates that the user accepted the resource allocation offer, and
• an executable portion configured for transmitting, to the external resource entity, a third communication that indicates acceptance of the resource allocation offer.

A computer-implemented method for resource presentment and allocation based on historical data usage, 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:
• receiving, by a resource network from an external resource entity, a resource allocation offer associated with a resource distribution transaction,
• determining, based on historical resource distribution data stored within a memory resource, a user of a plurality of users that would utilize the resource allocation offer,
• transmitting, to a user device associated with the user via a resource application, a first communication that indicates the resource allocation offer,
• receiving, from the user device associated with the user, a second communication that indicates acceptance of the resource allocation offer,
• storing, in the memory resource, data that indicates that the user accepted the resource allocation offer, and
• transmitting, to the external resource entity, a third communication that indicates acceptance of the resource allocation offer.