Patent Grant
10334026
The present invention relates to utilizing a distributed network of systems for identifying proposed uses for resources and utilizing user data to assign resources to improve upon processing efficiency of resource allocation.
Identifying the assignment of resources can be a difficult and costly process. Having to assign resources after an initiation, or having to reassign resources when they are not initially assigned properly decreases the capacity and efficiency of the processing devices because the processing devices are required to make multiple connections and assignments over the distributed network when the resource assignment is not identified and carried out during initiation. Accordingly, there exists a need to facilitate the allocation of resources at initiation of new resource pools.
Embodiments of the present invention address these and/or other needs by providing an innovative system, method and computer program product for determining the purpose of a new resource pool, as well as allocating resources in the new resource pool and current resource pools at the time of initiating the new resource pool. As such, a user may request the initiation of a new resource pool, and before initiating the resource pool the systems may request the purpose of the new resource pool. The systems may receive the purpose of the resource pool from the user over a distributed network and thereafter access user data (e.g., of the user or other users) regarding types of resource pools owned by users and the allocation of resources within the resource pools. The systems may identify 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 initiation of the new resource pool. The user may further share information associated with the new resource pool with other users. The systems may provide information about third-party entities to the user at the time of initiating the new resource pool. It should be understood that by determining the purpose of the resource pool at the time of initiating the new resource pool the entity may provide improved processing since the systems can properly initiate the desired resource pool and properly allocate resources at the time of initiating the new resource pool, instead of having to take multiple actions well after initiating the new resource pool.
Moreover, the systems described herein may allow for the access of user data regarding the allocation of resources within various resource pools. The systems may identify suggested resource allocations for the new resource pool, as well as suggested modifications for current resource pools of the user, and present both to the user along with the user's goals associated with the new resource pool. The user may select a suggested resource allocation for the new resource pool, as well as suggested modifications for current resource pools in order to determine how the selections affect the user's goals. Once the suggested resource allocations for the new resource pool and the current resource pools are made, the processing systems initiate the selected resource allocation and/or the suggested modifications selected by the users at the time of initiating the new resource pool. In this way, the processing requirements for processing resource allocations associated with the resource pools of the user are reduced since the allocations occur at the initiation of the new resource pools.
The new resource pool, the allocations of resources for the new resource pool, and the allocations of resources for the current resource pools of the user may all be provided in an integrated interface that illustrates in one location all the changes that are to be made to the user's resource pools and allocations, both within one entity and across entities, at the time of initiation of the new resource pool. This allows the user to make adjustments to the resource allocations of various resource pools within a single interface instead of having to access multiple interfaces across multiple systems. In some embodiments the interface may include the purpose of the resource pools and/or the goals associated with the resource pools, such that the user may identify the progress towards reaching the goals associated with the resource pools and the most effective way of reaching the goals.
Embodiments of the invention include systems, methods, and computer program products for providing suggested resource pools at initiation of a resource pool. The invention includes electronically receiving an indication from a user to initiate a new resource pool, wherein the indication is received from a user computer system; electronically requesting 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 receiving a response from the user regarding the purpose of new the resource pool, wherein the response is received from the user computer system; electronically accessing user data for the user or other users regarding other user resource pools of the user or other users, wherein the user data is accessed by accessing resource pool systems; electronically identifying a suggested resource pool based on the response from the user regarding the purpose of the new resource pool and the user data; and electronically determining when the new resource pool initiated by the user and the suggested resource pool are the same and automatically initiating the new resource pool of the user. The invention further includes electronically determining when the new resource pool initiated by the user and the suggested resource pool are different, and in response electronically providing 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 receiving a selected resource pool, wherein the selected resource pool is received from the user computer system. The invention further includes electronically initiating the selected resource pool, wherein the selected resource pool is initiated through the entity systems.
In further accord with embodiments of the invention, processing of the initiation of the new resource pool is improved by automatically initiating the resource pool of the user without alerting the user of the suggested resource pool when the resource pool initiated by the user and the suggested resource pool are the same.
In other embodiments of the invention, the inquiry regarding the purpose for the new resource pool comprises an inquiry regarding a 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.
In still other embodiments of the invention, 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 an allocation of resources within the other resource pools of the user.
In yet other embodiments, the invention further includes electronically providing the user third party entity information related to the purpose of the new resource pool.
In other embodiments, the invention further includes electronically receiving 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.
In further accord with embodiments, the invention further includes electronically accessing the user data for the user regarding resource allocations within the other resource pools of the user; electronically identifying 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 providing 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 receiving 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.
In other embodiments, the invention further includes electronically accessing the user data for the other users regarding resource allocations within the other resource pools of the other users; electronically identifying 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 providing 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 receiving 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 initiating 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.
In still other embodiments, the invention further includes electronically receiving an indication from the user for a resource allocation for the resource pool, wherein the indication is received from the user computer system; electronically accessing the user data for other users regarding resource allocations for the resource pools of other users, by accessing user resource pool systems; electronically determining one or more suggested resource allocations for the new resource pool; and electronically determining 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. The invention further includes electronically determining when the resource allocation received from the user and the one or more suggested resource allocations are different, and in response electronically providing 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 receiving a selected resource allocation for the resource allocation, wherein the selected resource allocation is received from the user system. The invention further includes electronically initiating the resource allocation, wherein the resource allocation is initiated through the entity systems, and wherein processing of the initiation of the selected resource allocation and initiation of the new resource pool at the same time improves the processing by reducing the number of processing steps.
The features, functions, and advantages that have been discussed may be achieved independently in various embodiments of the present invention or may be combined with yet other embodiments, further details of which can be seen with reference to the following description and drawings.
Having thus described embodiments of the invention in general terms, reference will now be made the accompanying drawings, wherein:
Embodiments of the present invention will now be described more fully hereinafter with reference to the accompanying drawings, in which some, but not all, embodiments of the invention are shown. Indeed, the invention may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will satisfy applicable legal requirements. Where possible, any terms expressed in the singular form herein are meant to also include the plural form and vice versa, unless explicitly stated otherwise. Also, as used herein, the term “a” and/or “an” shall mean “one or more,” even though the phrase “one or more” is also used herein. Furthermore, when it is said herein that something is “based on” or “associated with” something else, it may be based on or associated with one or more other things as well. In other words, unless expressly indicated otherwise, as used herein “based on” means “based at least in part on” or “based at least partially on” and “associated with” means “associated at least in part with” or “associated at least partially on.” Like numbers refer to like elements throughout.
Embodiments of the present invention provide systems, methods, and computer program products that provide for the assignment of the new resource pool, and for the allocation of resources for the new resource pool and/or modification of the allocation of resources for current resource pools at the time of initiation of the new resource pool.
The network 2 may be a global area network (GAN), such as the Internet, a wide area network (WAN), a local area network (LAN), or any other type of network or combination of networks. The network 2 may provide for wireline, wireless, or a combination of wireline and wireless communication between systems, services, devices, and/or devices on the network 2.
As illustrated in
The one or more processing devices 14 use the one or more communication devices 12 to communicate with the network 2 and other devices on the network 2, such as, but not limited to, the user computer systems 20, the user resource pool systems 30, the third-party entity systems 40, and/or other systems. As such, the one or more communication devices 12 generally comprise a wireless transceiver, modem, server, electrical connection, electrical circuit, or other device for communicating with other devices on the network 2. The one or more communication devices 12 may further include an interface that accepts one or more network interface cards, ports for connection of network devices, Universal Serial Bus (USB) connectors and the like.
As further illustrated in
As illustrated in
The one or more processing devices 24 are operatively coupled to the one or more communication devices 22, and the one or more memory devices 26. The one or more processing devices 24 use the one or more communication devices 22 to communicate with the network 2 and other devices on the network 2, such as, but not limited to, the entity systems 10, the resource pool systems 30, the third-party entity systems 40, and/or other systems. As such, the one or more communication devices 22 generally comprise a wireless transceiver, modem, server, electrical connection, or other device for communicating with other devices on the network 2. The one or more communication devices 12 may further include an interface that accepts one or more network interface cards, ports for connection of network devices, Universal Serial Bus (USB) connectors and the like. Moreover, the one or more communication devices 22 may include a keypad, keyboard, touch-screen, touchpad, microphone, mouse, joystick, other pointer device, button, soft key, and/or other input/output device(s) for communicating with the users 4.
As illustrated in
As illustrated in
The one or more processing devices 34 are operatively coupled to the one or more communication devices 32, and the one or more memory devices 36. The one or more processing devices 34 use the one or more communication devices 32 to communicate with the network 2 and other devices on the network 2, such as, but not limited to, the entity systems 10, the user computer systems 20, the third-party entity systems 40, and/or other systems. As such, the one or more communication devices 32 generally comprise a wireless transceiver, modem, server, electrical connection, or other device for communicating with other devices on the network 2. The one or more communication devices 32 may further include an interface that accepts one or more network interface cards, ports for connection of network devices, Universal Serial Bus (USB) connectors and the like.
As illustrated in
Block 104 in
Block 108 in
Block 110 in
In other aspects of the invention, as will be discussed in further detail with respect to
In some embodiments of the invention when the suggested resource pool determined by the entity systems 10 is the same as the resource pool type requested by the user 4 (e.g., as requested in one aspect of the invention as described in block 102), the entity systems 10 may not provide the suggest resource pools to the user as described above, and instead may simply proceed with initiating the new resource pool, or may otherwise provide an indication to the user 4 that the suggested resource pool determined by the entity systems 10 is the same as the resource pool requested by the user 4. For example, the entity systems 10 may display in the user interface an indication that the request resource pool type received from the user 4 meets the suggested resource pool type determined by the entity systems 10. Alternatively, or in addition, the systems 10 may provide the suggested goal described above.
Block 114 of
Block 118 further illustrates that the user 4 is allowed to share the new resource pool and/or allocations of resources with other users. For example, the user 4 may be able to share the resource pool and resource allocations with other users that may provide further insight to achieve the purpose of the resource pool or to help provide additional resources to meet the purpose and/or goal of the new resource pool. As such, other users may provide additional suggestions for allocations to achieve the purpose of the resource pool (e.g., a child may share the information with a parent, a dependent may share information with a caregiver, or the like). Moreover, a user 4 may share the new resource pool type and/or resource allocations with a joint resource pool holder (e.g., domestic partner, business partner, employees, or the like). The sharing may occur before or after the initiation of the resource pool and/or the resource allocation. As such, in some instances before the user 4 selects a suggested resource pool and/or a suggested resource allocation, a joint resource pool holder may provide input regarding what resource pool and/or resource allocations to select. In some aspects of the invention, the suggested and selected resource allocations may be based on and received from the resource pools of the joint resource pool holders (e.g., suggested goals for an emergency fund may be based on the resources in the user's husband/wife's emergency fund, or the like). Additionally, the other uses may provide additional resources to meet the purpose of the new resource pool (e.g., vacation, car, house, pay down debt, education funds, or the like). For example, the other users may provide additional resources for the new resource pool at the time the new resource pool is initiated, or after the new resource pool has been initiated. As such, in some aspects of the invention other users may allow the user and/or entity to access the resource pools of the other users to aid in allocating resources. For example, the resource pools of other users (e.g., partners, child, parents, or the like) may be included in the determination of the purpose of the new resource pool, the allocation of resources for the new resource pool, the goals for the new resource pool, and/or the modification of resources for other current resource pools.
It should be understood, that all of the information regarding the resource pools (e.g., user 4 or joint resource poll holder), the allocations of resources, the goals, the other user resource pools, and/or other the third-party entity information may be presented to the user 4 in a user interface that is an integrated interface that displays aspects from the entity, from other users, as well as information from third party-systems. In this way the entity systems 10 may prevent the user from leaving the entity site to go to a third-party entity site to help the user achieve the desired purpose of the resource pool, and more particularly to deter the user 4 from utilizing a resource pool from another entity to achieve the desired purpose of the user 4. As such, the entity is benefited by keeping the user 4 within the applications presented by the entity because the user 4 is more likely use the resource pools with the entity systems 10 if the entity helps provide the information that the user 4 needs to meet the purpose of the resource pool.
Block 204 illustrates that the purpose of the new resource pool is identified. In some embodiments, the purpose may be determined as was described in blocks 104 and 106 of
In some aspects of the invention the purpose of the resource pool may be described by determining goals of the user 4, as was previously described with respect to
As illustrated by block 206, and as previously described, in part, in block 108 of
Block 208 in
Block 212 of
Block 214 in
It should be understood that by presenting the allocation of resources for the new resource pool and the modifications of the allocations to the user's current resource pools at the time of initiating the new resource pool, the processing of the new resource pool and the resource allocations are improved. For example, the processing devices used to initiate the new resource pool and make the allocations of resources need only utilize the processing capacity at the time of the initiation of the new resource pool and the resource allocations. In typical situations, the user 4 would open a new resource pool, and once the new resource pool is initiated the transfer the resources are thereafter made, without any input or direction from the entity. As such, the processing device would make allocations well after initiating the new resource pool, and in order to process the additional allocations, the processing devices would be required to re-identify the new resource pool and the current resource pools to make the desired allocations. Moreover, if the new resource pool was not the best vehicle for achieving the purpose the user 4 desired, the new resource pool would have to be converted to a different type of resource pool. This increases the processing times and capacity needed by the entity to create the resource pools and/or make the allocations. As such, the present invention provides improved processing speeds and times by initiating the correct resource pool and allocating suggested resources at the time of opening the new resource pool. The systems and processes described herein saves time, processing capacity, and improve processing speeds.
Block 218 further illustrates that the user 4 may share the new resource pool and/or allocations of resources with other users, as was previously discussed with respect to block 118 in
It should be further understood that in some embodiments of the invention, the systems and process described herein (e.g., with respect to
In some embodiments of the invention one or more of the systems described herein may be combined with each other, or otherwise perform the functions of the other systems described herein. In other embodiments of the invention one or more of the applications described herein may be combined with each other, or otherwise perform the functions of the other applications described herein. Furthermore, the applications may be any type of application, such as an application stored on a desktop, server, or other device, a mobile application stored on a mobile device, a cloud application, or other like application. As such, the applications described herein, or portions of the applications described herein may be stored and operated on any of the systems, devices, or devices thereof described herein. For example, a portion of entity application 17 and/or the resource pool application 37 may be stored on the user computer systems 20, and/or a portion of the resource pool application 37 may be stored on the entity systems 10 or the user computer systems 20, in order to achieve the embodiments of the invention described herein.
It should be understood, that the systems and devices described in
Moreover, it should be understood that the process flows described herein include transforming the information sent and/or received from the applications of the different systems (e.g., internally or externally) from one or more data formats into a data format associated with each of the systems. There are many ways in which information is converted within the system environment 1. This may be seamless, as in the case of upgrading to a newer version of a computer program. Alternatively, the conversion may require processing by the use of a special conversion program, or it may involve a complex process of going through intermediary stages, or involving complex “exporting” and “importing” procedures, which may convert to and from a tab-delimited or comma-separated text file. In some cases, a program may recognize several data file formats at the data input stage and then is also capable of storing the output data in a number of different formats. Such a program may be used to convert a file format. If the source format or target format is not recognized, then at times a third program may be available which permits the conversion to an intermediate format, which can then be reformatted.
As will be appreciated by one of skill in the art, the present invention may be embodied as a method (including, for example, a computer-implemented process, a business process, and/or any other process), apparatus (including, for example, a system, machine, device, computer program product, and/or the like), or a combination of the foregoing. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, resident software, micro-code, etc.), or an embodiment combining software and hardware aspects that may generally be referred to herein as a “system.” Furthermore, embodiments of the present invention may take the form of a computer program product on a computer-readable medium having computer-executable program code embodied in the medium.
Any suitable transitory or non-transitory computer readable medium may be utilized. The computer readable medium may be, for example but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device. More specific examples of the computer readable medium include, but are not limited to, the following: an electrical connection having one or more wires; a tangible storage medium such as a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), a compact disc read-only memory (CD-ROM), or other optical or magnetic storage device.
In the context of this document, a computer readable medium may be any medium that can contain, store, communicate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. The computer usable program code may be transmitted using any appropriate medium, including but not limited to the Internet, wireline, optical fiber cable, radio frequency (RF) signals, or other mediums.
Computer-executable program code for carrying out operations of embodiments of the present invention may be written in an object oriented, scripted or unscripted programming language such as Java, Perl, Smalltalk, C++, or the like. However, the computer program code for carrying out operations of embodiments of the present invention may also be written in conventional procedural programming languages, such as the “C” programming language or similar programming languages.
Embodiments of the present invention are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products. It will be understood that each block of the flowchart illustrations and/or block diagrams, and/or combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer-executable program code portions. These computer-executable program code portions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a particular machine, such that the code portions, which execute via the processor of the computer or other programmable data processing apparatus, create mechanisms for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks.
These computer-executable program code portions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the code portions stored in the computer readable memory produce an article of manufacture including instruction mechanisms which implement the function/act specified in the flowchart and/or block diagram block(s).
The computer-executable program code may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the code portions which execute on the computer or other programmable apparatus provide steps for implementing the functions/acts specified in the flowchart and/or block diagram block(s). Alternatively, computer program implemented steps or acts may be combined with operator or human implemented steps or acts in order to carry out an embodiment of the invention.
As the phrase is used herein, a processor may be “configured to” perform a certain function in a variety of ways, including, for example, by having one or more general-purpose circuits perform the function by executing particular computer-executable program code embodied in computer-readable medium, and/or by having one or more application-specific circuits perform the function.
Embodiments of the present invention are described above with reference to flowcharts and/or block diagrams. It will be understood that steps of the processes described herein may be performed in orders different than those illustrated in the flowcharts. In other words, the processes represented by the blocks of a flowchart may, in some embodiments, be in performed in an order other that the order illustrated, may be combined or divided, or may be performed simultaneously. It will also be understood that the blocks of the block diagrams illustrated, in some embodiments, merely conceptual delineations between systems and one or more of the systems illustrated by a block in the block diagrams may be combined or share hardware and/or software with another one or more of the systems illustrated by a block in the block diagrams. Likewise, a device, system, apparatus, and/or the like may be made up of one or more devices, systems, apparatuses, and/or the like. For example, where a processor is illustrated or described herein, the processor may be made up of a plurality of microprocessors or other processing devices which may or may not be coupled to one another. Likewise, where a memory is illustrated or described herein, the memory may be made up of a plurality of memory devices which may or may not be coupled to one another.
In accordance with embodiments of the invention, entity may be a financial institution, and the terms “financial institution” and “financial entity” include any organization that processes financial transactions including, but not limited to, banks, credit unions, savings and loan associations, investment companies, stock brokerages, assess management firms, insurance companies and the like. In specific embodiments of the invention, use of the term “bank” is limited to a financial entity in which account-bearing customers conduct financial transactions, such as account deposits, withdrawals, allocations and the like.
In accordance with embodiments of the invention, resource pools may be any type of account, and an “account” is the relationship that a user has with an entity, such as a financial institution. Examples of accounts include a deposit account, such as a transactional account (e.g., a banking account), a savings account, an investment account, a money market account, a time deposit, a demand deposit, a pre-paid account, a credit account, a debit/deposit account, a non-monetary user profile that includes information associated with the user, or the like. The account is associated with and/or maintained by the entity. The term “resource” may include funds, and the term “funds” includes forms of currency or payment stored by a financial institution in an account.
While certain exemplary embodiments have been described and shown in the accompanying drawings, it is to be understood that such embodiments are merely illustrative of, and not restrictive on, the broad invention, and that this invention not be limited to the specific constructions and arrangements shown and described, since various other changes, combinations, omissions, modifications and substitutions, in addition to those set forth in the above paragraphs, are possible. Those skilled in the art will appreciate that various adaptations and modifications of the just described embodiments can be configured without departing from the scope and spirit of the invention. Therefore, it is to be understood that, within the scope of the appended claims, the invention may be practiced other than as specifically described herein.
To supplement the present disclosure, this application further incorporates entirely by reference the following commonly assigned patent applications:
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