Systems and methods for allocating shared resources

Patent metadata

Field	Value
Publication number	US-10873542-B2
Application number	US-201916254738-A
Country	US
Kind code	B2
Filing date	Jan 23, 2019
Priority date	Mar 29, 2018
Publication date	Dec 22, 2020
Grant date	Dec 22, 2020

Abstract

Systems and methods for allocating resources. The system includes a communications module, a processor, and a memory. The memory stores a data record and instructions that, when executed, configure the processor to obtain a data record and transmit an existing score indication corresponding to the data record for display at the client device; receive a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction, allocate the shared resource associated with the action indicator.

First claim

What is claimed is:

1. A system for allocating resources, the system comprising:
a communication module;
a processor coupled to the communication module; and
a memory coupled to the processor, the memory storing at least one data record and instructions that, when executed, configure the processor to:
obtain a data record corresponding to an identifier and transmit, via the communication module to a notification application on a client device, an existing score indication corresponding to the data record for display at the client device;
receive, via the communication module, a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication;
transmit, via the communication module to the client device, the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and
in response to receiving a resource transfer instruction via the selectable option, allocate the shared resource associated with the action indicator.

2. The system of claim 1 , wherein the action indicator corresponds to at least one of requesting the shared resource and varying allocation of the shared resource.

3. The system of claim 1 , wherein the instructions, when executed, further cause the processor to determine that the first provisional score is greater than a minimum threshold score and, in response, transmit the first provisional score indication and the selectable option associated with the action indicator for display at the client device.

4. The system of claim 1 , wherein the instructions, when executed, further cause the processor to:
determine an alternate provisional score corresponding to the data record based on an alternate action indicator associated with an alternate shared resource and determine that the alternate provisional score is greater than the first provisional score; and
in response to determining that the alternate provisional score is greater than the first provisional score, transmit an alternate provisional score indication and an alternate selectable option associated with the alternate action indicator for display at the client device.

5. The system of claim 4 , wherein the alternate shared resource is an existing shared resource associated with the data record.

6. The system of claim 1 , wherein the instructions, when executed, further cause the processor to:
determine a time-varied provisional score at an alternate time that is different than a time associated with the first time parameter, wherein the alternate time is subsequent to the time associated with the first time parameter; and
transmit, via the communication module to the client device, a time-varied provisional score indication for display at the client device for comparison with the first provisional score.

7. The system of claim 1 , wherein the identifier is a user identifier associated with a geographical region, and wherein the first provisional score is further based on aggregated score data associated with a plurality of other data records associated with the geographical region.

8. The system of claim 1 , wherein the shared resource includes at least one of a cash-advance, a line-of-credit, a mortgage, a credit card, and digital assets.

9. The system of claim 1 , wherein the existing score indication includes a credit score indication associated with the data record, and wherein the first provisional score indication includes a first provisional credit score indication associated with allocating the shared resource at the time indicated by the first time parameter.

10. The system of claim 1 , wherein the client device includes a near-field communications device coupled to a client device processor, wherein the notification application on the client device is a mobile payment application, and wherein the client device includes a memory storing instructions that, when executed, cause the client device processor to confirm a payment at a point-of-sale terminal.

11. A computer-implemented method of allocating resources, the method comprising:
obtaining a data record corresponding to an identifier and transmitting, via a communication module to a notification application on a client device, an existing score indication corresponding to the data record for display at the client device;
receiving, via the communication module, a first time parameter and an action indicator associated with a shared resource and, in response, determining a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication;
transmitting, via the communication module to the client device, the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and
in response to receiving a resource transfer instruction via the selectable option, allocating the shared resource associated with the action indicator.

12. The method of claim 11 , wherein the action indicator corresponds to at least one of requesting the shared resource and varying allocation of the shared resource.

13. The method of claim 11 , further comprising determining that the first provisional score is greater than a minimum threshold score and, in response, transmitting the first provisional score indication and the selectable option associated with the action indicator for display at the client device.

14. The method of claim 11 , further comprising:
determining an alternate provisional score corresponding to the data record based on an alternate action indicator associated with an alternate shared resource and determining that the alternate provisional score is greater than the first provisional score; and
in response to determining that the alternate provisional score is greater than the first provisional score, transmitting an alternate provisional score indication and an alternate selectable option associated with the alternate action indicator for display at the client device.

15. The method of claim 14 , wherein the alternate shared resource is an shared resource associated with the data record.

16. The method of claim 11 , further comprising:
determining a time-varied provisional score at an alternate time that is different than the time associated with the first time parameter, wherein the alternate time is subsequent to the time associated with the first time parameter; and
transmitting, via the communication module to the client device, a time-varied provisional score indication for display at the client device for comparison with the first provisional score.

17. The method of claim 11 , wherein the identifier is a user identifier associated with a geographical region, and wherein the first provisional score is further based on aggregated score data associated with a plurality of other data records associated with the geographical region.

18. The method of claim 11 , wherein the shared resource includes at least one of a cash-advance, a line-of-credit, a mortgage, a credit card, and digital assets.

19. The method of claim 11 , wherein the existing score indication includes a credit score

Assignees

• Toronto Dominion Bank

Inventors

• Horvath Peter
• Harper Gregory Richard
• Thomas Richard
• Allen Tricia Elizabeth
• Moghaizel Joe
• Alves Aline Da Rosa
• Allen Lawrence Anthony
• Lam Kimberly Elizabeth
• Shen Min
• Mendoza Melanie Judith
• Li Vanessa
• Antonucci Alexandra
• Carr Audrey Madeleine

Classifications

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• H04L47/765

  triggered by the end-points · CPC title

• H04L47/826 Primary

  Involving periods of time · CPC title

• H04L47/824

  Applicable to portable or mobile terminals · CPC title

• G06Q40/12 Primary

  Accounting · CPC title