Resource assignment system

Patent metadata

Field	Value
Publication number	US-10334026-B2
Application number	US-201615231381-A
Country	US
Kind code	B2
Filing date	Aug 8, 2016
Priority date	Aug 8, 2016
Publication date	Jun 25, 2019
Grant date	Jun 25, 2019

Abstract

In response to receiving a request from a user to initiate a new resource pool, a determination of a purpose of the new resource pool is made. The system may receive the purpose of the resource pool from the user and thereafter access user data regarding types of resource pools owned by the user and other users and the allocation of resources therein. The system identifies suggested resource pools and/or resource pool allocations to present to the user at the time the user initiates the new resource pool. The systems may receive a selected resource pool from the user, and begin initiate the new resource pool. Determining the purpose of the new resource pool, and allocations therefor at the time the resource pool is initiated, improves processing since the processors open the desired resource pool and allocate resources at the time of initiating the new resource pool.

First claim

What is claimed is:

1. A system for providing suggested resource pools at initiation of a resource pool, the system comprising:
one or more memory devices storing computer-readable code; and
one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute the computer-readable code to:
electronically receive an indication from a user requesting to initiate a new resource pool, wherein the indication is received from a user computer system, wherein the new resource pool comprises a new account with a financial institution;
electronically request an inquiry regarding a purpose for the new resource pool, wherein the request is sent to the user computer system by an entity system;
electronically receive a response from the user regarding the purpose of the new resource pool, wherein the response is received from the user computer system, and wherein the purpose is the purpose of the new account or resources within the new account;
electronically access user data for the user or other users regarding other user resource pools of the user or the other users, wherein the user data is accessed by accessing resource pool systems, and wherein the other user resource pools are other user accounts and the user data relates to the use of the resources by the user in the other user accounts;
electronically identify a suggested resource pool based on the response from the user regarding the purpose of the new resource pool and the user data, wherein the suggest resource pool may comprise a resource pool type or an allocation of the resources within the new account;
electronically determine when the new resource pool requested by the user and the suggested resource pool are the same and automatically initiating the new resource pool of the user, wherein the automatic initiation of the new resource pool improves processing of the system by automatically initiating the new account of the user without alerting the user of the suggested resource pool;
electronically determine when the new resource pool requested by the user and the suggested resource pool are different, and in response:
electronically provide the user the suggested resource pool on a user interface, wherein the user interface is provided by the entity system on the user computer system; and
electronically receive a selected resource pool, wherein the selected resource pool is received from the user computer system; and
electronically initiate the selected resource pool as the new resource pool, wherein the selected resource pool is initiated through the entity systems.

2. The system of claim 1 , wherein the inquiry regarding the purpose for the new resource pool comprises an inquiry regarding the resource pool type and a resource allocation amount for the new resource pool; and wherein the response from the user regarding the purpose of the new resource pool comprises the resource pool type and the resource allocation amount.

3. The system of claim 1 , wherein the inquiry regarding the purpose for the new resource pool is an educated inquiry that includes potential purposes presented for user selection based on the user data related to the other resource pools of the user or the allocation of the resources within the other resource pools of the user.

4. The system of claim 1 , wherein the one or more processing devices are configured to execute the computer-readable code to:
electronically provide the user third party entity information related to the purpose of the new resource pool.

5. The system of claim 1 , wherein the one or more processing devices are configured to execute the computer-readable code to:
electronically receive a request from the user to provide new resource pool information to one or more of the other users to aid in achieving the purpose of the new resource pool.

6. The system of claim 1 , wherein the one or more processing devices are further configured to execute the computer-readable code to:
electronically access the user data for the user regarding resource allocations within the other resource pools of the user;
electronically identify one or more suggested resource allocations for the new resource pool based on the response from the user regarding the purpose of the new resource pool and the user data regarding the resource allocations within the other resource pools of the user;
electronically provide the user the one or more suggested resource allocations for the new resource pool on the user interface, wherein the user interface is provided by the entity systems on the user computer system;
electronically receive a selected resource allocation for the new resource pool from the one or more suggested resource allocations, wherein the selected resource allocation for the resource pool is received from the user computer system; and
electronically initiate the selected resource allocation for the new resource pool, wherein the selected resource allocation for the new resource pool is initiated through the entity systems.

7. The system of claim 1 , wherein the one or more processing devices are further configured to execute the computer-readable code to:
electronically access the user data for the other users regarding resource allocations within the other resource pools of the other users;
electronically identify one or more suggested resource allocations for the new resource pool based on the response from the user regarding the purpose of the new resource pool and the user data regarding the resource allocations within the other resource pools of the other users;
electronically provide the user the one or more suggested resource allocations for the new resource pool on the user interface, wherein the user interface is provided by the entity systems on the user computer system;
electronically receive a selected resource allocation for the new resource pool from the one or more suggested resource allocations, wherein the selected resource allocation for the resource pool is received from the user computer system; and
electronically initiate the selected resource allocation for the new resource pool, wherein the selected resource allocation for the new resource pool is initiated through the entity systems.

8. The system of claim 1 , wherein the one or more processing devices are further configured to execute the computer-readable code to:
electronically receive an indication from the user for a resource allocation for the resource pool, wherein the indication is received from the user computer system;
electronically access the user data for the other users regarding resource allocations for the resource pools of the other users, by accessing user resource pool systems;
electronically determine one or more suggested resource allocations for the new resource pool;
electronically determine when the resource allocation for the new resource pool received from the user and the one or more suggested resource allocations are the same and automatically initiating the resource allocation;
electronically determine when the resource allocation received from the user and the one or more suggested resource allocations are different, and in response:
electronically provide the user the one or more suggested resource allocations, wherein the user interface is provided by the entity system on the user computer system; and
electronically receive a selected resource allocation for the resource allocation, wherein the selected resource allocation is received from the user system;

electronically initiate the resource allocation, wherein the resource allocation is initiated through the entity systems, and
wherein processing of the initiation of the selected resource allocation

Assignees

• Bank Of America

Inventors

• Dintenfass Katherine
• Dravneek Victoria L
• Jones-Mcfadden Alicia C

Classifications

• G06F2209/5011

  Pool · CPC title

• G06F9/5077 Primary

  Logical partitioning of resources; Management or configuration of virtualized resources (specific details on emulation or internal functioning of virtual machines G06F9/455) · CPC title

• H04L67/10 Primary

  in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46) · CPC title