Methods and systems for dynamic allocation of aggregated resource transfers in a distributed network

Patent metadata

Field	Value
Publication number	US-12578998-B2
Application number	US-202318095280-A
Country	US
Kind code	B2
Filing date	Jan 10, 2023
Priority date	Jan 10, 2023
Publication date	Mar 17, 2026
Grant date	Mar 17, 2026

Abstract

Systems, methods, and computer program products are provided herein for dynamic allocation of aggregated resource transfers in a distributed network. An example method includes receiving resource transfer record data and determining that the resource transfer record data is indicative of an aggregated resource transfer associated with at least a first user and a second user. The method further includes generating first allocation data associated with the first user and generating second allocation data associated with the second user. The method also includes dynamically modifying the resource transfer record data based upon the first allocation data and the second allocation data. A user interface providing a visual representation of the first and second allocation data may be provided so as to provide for user interaction with this data.

First claim

What is claimed is:

1 . A system for dynamic allocation of aggregated resource transfers in a distributed network, the system comprising:
at least one non-transitory storage device; and at least one processor coupled to the at least one non-transitory storage device, wherein the at least one processor is configured to:
receive resource transfer record data;
determine that the resource transfer record data is indicative of an aggregated resource transfer associated with at least a first user and a second user such that a portion of the resource transfer record data is attributable to the first user and another portion of the resource transfer record data is attributable to the second user;
deploy a trained machine learning (ML) model on the resource transfer record data;
generate, based on an output of the deployed trained ML model, first allocation data of the resource transfer record data that is associated with the first user;
generate, based on the output of the deployed trained ML model, second allocation data of the resource transfer record data that is associated with the second user;
generate a user interface illustrating a visual representation of the first allocation data and the second allocation data;
selectively obscure at least a portion of the first allocation data or the second allocation data on the user interface; and
dynamically modify the resource transfer record data based upon the first allocation data and the second allocation data.

2 . The system of claim 1 , wherein the user interface includes one or more actionable objects configured to receive an input from one or more of the first user or the second user.

3 . The system of claim 2 , wherein, in response to a user input via the one or more actionable objects, the at least one processor is further configured to:
modify the first allocation data associated with the first user; and/or modify the second allocation data associated with the second user.

4 . The system of claim 3 , wherein modification of the first allocation data and/or the second allocation data is subject to one or more approval inputs of the first user or the second user.

5 . The system of claim 1 , wherein the resource transfer record data is received in response to an image capturing operation performed by one or more imaging devices.

6 . The system of claim 1 , wherein the at least one processor is further configured to effectuate a resource transfer between the second user and the first user based upon the modified resource transfer record data.

7 . The system of claim 6 , wherein the resource transfer between the second user and the first user occurs as part of an aggregated resource transfer associated with a plurality of resource transfer record datasets including the resource transfer record data.

8 . A computer program product for dynamic allocation of aggregated resource transfers in a distributed network, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to:
receive resource transfer record data; determine that the resource transfer record data is indicative of an aggregated resource transfer associated with at least a first user and a second user such that a portion of the resource transfer record data is attributable to the first user and another portion of the resource transfer record data is attributable to the second user;
deploy a trained machine learning (ML) model on the resource transfer record data;
generate, based on an output of the deployed trained ML model, first allocation data of the resource transfer record data that is associated with the first user;
generate, based on the output of the deployed trained ML model, second allocation data of the resource transfer record data that is associated with the second user;
generate a user interface illustrating a visual representation of the first allocation data and the second allocation data;
selectively obscure at least a portion of the first allocation data or the second allocation data on the user interface; and
dynamically modify the resource transfer record data based upon the first allocation data and the second allocation data.

9 . The computer program product of claim 8 , wherein the user interface includes one or more actionable objects configured to receive an input from one or more of the first user or the second user.

10 . The computer program product of claim 9 , wherein, in response to a user input via the one or more actionable objects, the apparatus is configured to:
modify the first allocation data associated with the first user; and/or modify the second allocation data associated with the second user.

11 . The computer program product of claim 10 , wherein modification of the first allocation data and/or the second allocation data is subject to one or more approval inputs of the first user or the second user.

12 . The computer program product of claim 8 , wherein the resource transfer record data is received in response to an image capturing operation performed by one or more imaging devices.

13 . The computer program product of claim 8 , wherein the apparatus is further configured to effectuate a resource transfer between the second user and the first user based upon the modified resource transfer record data.

14 . The computer program product of claim 13 , wherein the resource transfer between the second user and the first user occurs as part of an aggregated resource transfer associated with a plurality of resource transfer record datasets including the resource transfer record data.

15 . A method for dynamic allocation of aggregated resource transfers in a distributed network, the method comprising:
receiving resource transfer record data; determining that the resource transfer record data is indicative of an aggregated resource transfer associated with at least a first user and a second user such that a portion of the resource transfer record data is attributable to the first user and another portion of the resource transfer record data is attributable to the second user; deploying a trained machine learning (ML) model on the resource transfer record data; generating, based on an output of the deployed trained ML model, first allocation data of the resource transfer record data that is associated with the first user; generating, based on the output of the deployed trained ML model, second allocation data of the resource transfer record data that is associated with the second user; generating a user interface illustrating a visual representation of the first allocation data and the second allocation data; selectively obscuring at least a portion of the first allocation data or the second allocation data on the user interface; and dynamically modifying the resource transfer record data based upon the first allocation data and the second allocation data.

16 . The method of claim 15 , wherein the user interface includes one or more actionable objects configured to receive an input from one or more of the first user or the second user.

17 . The method of claim 16 , in response to a user input via the one or more actionable objects, further comprising:
modifying the first allocation data associated with the first user; and/or modifying the second allocation data associated with the second user.

18 . The method of claim 17 , wherein modification of the first allocation data and/or the second allocation data is subject to one or more approval inputs of the first user or the second user.

Assignees

• Bank Of America

Inventors

• Ilangovan Votreeshwaran
• Dhawan Lalit
• Falcao Sachin

Classifications

• G06F9/5072

  Grid computing · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06F9/5011 Primary

  the resources being hardware resources other than CPUs, Servers and Terminals · CPC title

• G06Q20/102 Primary

  Bill distribution or payments · CPC title