US 2024/0193501 A1Published application

Interface for management of resource transfers

AssigneeTruist Bank

InventorsCandice Mercer Roberts, Randy Eric Borth, Ashok Kumar Mittal, Surendra Nath Puduru, WeiJen Lu, Natalie Renee Stormer, Reinaldo Gamaliel Rivera Colon, Kelly Mosby Griffin, Jennifer Meredith Merten, Mary Margaret Mueller

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Abstract

Disclosed are systems and methods that automate management and monitoring of remote resource utilization activity. The systems process incoming transfer instructions, data relating to prior resource transfers, and data relating to end user attributes and activities to generate notifications concerning relevant current transfer activity, expected future transfers, and modifications to optimize ongoing resource utilization and transfer activity. The systems allow resource utilization to be managed effectively, efficiently, and in a secure fashion using encryption and individual computing device authentication techniques.

Claims20

Dependent claims

A system for generating a graphical user interface for display of transfer data messages comprising a network computing device, wherein the network computing device comprises one or more integrated software applications that perform the operations comprising:

(a) establishing a secure communication session between the network computing device and a user computing device;
(b) receiving by the network computing device, from the user computing device, both (i) an interface transmit command comprising interface identification data, and (ii) product identification data;
(c) passing the product identification data to a Transfer Activity Database and in return receiving transfer data for a plurality of transfers associated with the product identification data;
(d) executing a transfer analysis utilizing the transfer data, wherein the transfer analysis generates product utilization message data;
(e) generating a plurality of product utilization messages using the product utilization message data, wherein each product utilization message comprises utilization value data and message sequencing data;
(f) filtering the product utilization messages using the interface identification data, wherein one or more product utilization message are selected for transmission to the user computing device based on the interface identification data;
(g) executing a priority analysis that processes the product utilization message to generate priority data;
and
(h) transmitting the selected product utilization messages and priority data to the user computing device for display, wherein (i) the user computing device displays both the utilization value data and the message sequencing data, and wherein (ii) the selected product utilization messages are displayed according to the priority data.

6 more elements

(a) establishing a secure communication session between the network computing device and a user computing device;
(b) passing the product identification data to a Transfer Activity Database and in return receiving transfer data for a plurality of transfers associated with the product identification data;
(c) executing a transfer analysis utilizing the transfer data, wherein the transfer analysis generates product utilization message data;
(d) generating a plurality of product utilization messages using the product utilization message data, wherein each product utilization message comprises utilization value data and message sequencing data;
(e) filtering the product utilization messages using the interface identification data, wherein one or more product utilization message are selected for transmission to the user computing device based on the interface identification data;
(f) executing a priority analysis that processes the product utilization message to generate priority data;
and
(g) transmitting interface display data to the user computing device, wherein the interface display data comprises
(i) alphanumeric content and graphical elements used to generate a resource management graphical user interface, and
(ii) selected product utilization messages and priority data, wherein
(A) the product utilization messages are transmitted to the user computing device using JavaScript Object Notation messages,
(B) the product utilization messages are displayed as graphical widgets by the user computing device and integrated with the resource management graphical user interface,
(C) the user computing device displays both the utilization value data and the message sequencing data, and
(D) the selected product utilization messages are displayed according to the priority data.

11 more elements

(a) establishing a secure communication session between the network computing device and a user computing device;
(b) passing the product identification data to a Transfer Activity Database and in return receiving transfer data for a plurality of transfers associated with the product identification data;
(c) executing a transfer predictive analysis utilizing transfer data retrieved from a Transfer Activity Database, wherein
(i) the transfer predictive analysis generates predictive transfer data associated with one or more expected transfers, and wherein
(ii) for each expected transfer, the predictive transfer data comprises (A) expected transfer value data, (B) expected sequencing data, and (C) an expected terminal source identification;
(d) generating a product utilization messages using the predictive transfer data;
(e) executing a priority analysis that processes the product utilization message to generate priority data;
and
(f) transmitting interface display data to the user computing device, wherein the interface display data comprises
(i) alphanumeric content and graphical elements used to generate a resource management graphical user interface, and
(ii) the product utilization message and priority data, wherein
(A) the product utilization message is displayed as a graphical widget by the user computing device and integrated with the resource management graphical user interface, and
(B) the product utilization message is displayed using the priority data.

10 more elements

Dependencies are inferred from the claim text.