System for predictive usage of resources

• US 10,129,126 B2
• Filed: 06/08/2016
• Issued: 11/13/2018
• Est. Priority Date: 06/08/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Dintenfass, Katherine, Jones-McFadden, Alicia C., Hsieh, Matthew, Dravneek, Victoria L., Wadley, Cameron D., Karmelek, Jason Christian, Saar, Andrew, Quitadamo, Amber J.
• Primary Examiner(s): Alam, Uzma
• Application Number:
  US15/176,478
• Publication Number:
  US 20170359245A1
• Time in Patent Office: 888 Days
• CPC Class Codes: H04L 41/147 for predicting network behaviour
• CPC Class Codes: H04L 43/16 Threshold monitoring

Abstract

Systems, computer program products, and methods are described herein for predictive usage of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine resource utilization profile associated with a user; continuously monitor the resource utilization profile of the user to track the use of the one or more resources allocated to the user over a predetermine period of time; determine one or more elevated usage instances; predict, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur; determine one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances; and reallocate the one or more determined resources to the user.

Claims

1. A system for predictive usage of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network, the system comprising:

at least one memory storing a resource prediction application;

at least one processing device operatively coupled to the at least one memory device,

wherein the processing device is configured to execute computer-readable program code to;

determine resource utilization profile associated with a user, wherein the resource utilization profile comprises information associated with one or more resources allocated to the user across the dispersed network;

continuously monitor the resource utilization profile of the user to track a use of the one or more resources allocated to the user over a predetermine period of time;

determine one or more elevated usage instances based on at least continuously monitoring the resource utilization profile of the user;

predict, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur;

determine one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances;

reallocate the one or more determined resources to the user;

receive, from the user, an indication to initiate a change associated with the resource utilization profile of the user, wherein the change associated with the resource utilization profile comprises at least one or more conditions associated with a use of the at least one of the one or more resources associated with the resource utilization profile of the user;

reallocate, within the dispersed network, at least one of the one or more resources associated with the resource utilization profile based on at least the change initiated by the user;

initiate a presentation of a user interface for display on a user device associated with the user, wherein the user interface comprises one or more resources associated with the resource utilization profile, the one or more resources being accessed by the user;

receive, via the user interface, a first user selection of a first portion of the one or more resources associated with the resource utilization profile;

restrict user access to the first portion of the one or more resources associated with the resource utilization profile based on at least the first user selection; and

continuously monitor the one or more resources associated with the resource utilization profile across the dispersed network for a predetermined period of time since the reallocation of at least one of the one or more resources based on the change initiated by the user and the restriction of the first portion of the one or more resources associated with the resource utilization profile, wherein monitoring further comprises determining whether the use of each of the one or more resources associated with the resource utilization profile of the user is within one or more limits based on the one or more conditions.

2. The system of claim 1, wherein the at least one processing device is further configured to:

predict that at least one of the one or more elevated usage instances is scheduled to occur, wherein predicting further comprises determining a predetermined number of instances in the past when the elevated usage instances have occurred.

3. The system of claim 2, wherein the at least one processing device is further configured to:

determine a pattern associated with the resource utilization profile of the user based on at least tracking the use of the one or more resources allocated to the user over a predetermine period of time; and

predict that at least one of the one or more elevated usage instances is scheduled to occur based on at least determining the pattern associated with the utilization profile of the user.

4. The system of claim 3, wherein the at least one processing device is further configured to:

retrieve information associated with a utilization of the one or more resources during an occurrence of at least one of the one or more previous elevated usage instances, wherein the information comprises one or more traits associated with the user and/or the one or more resources; and

continuously compare the information associated with the utilization of the one or more resources during the occurrence of at least one of the one or more previous elevated usage instances with information associated with a current utilization of the one or more resources.

5. The system of claim 4, wherein the at least one processing device is further configured to:

calculate a score indicating a probability that the information associated with the utilization of the one or more resources during the occurrence of at least one of the one or more previous elevated usage instances approaches the information associated with the current utilization of the one or more resources; and

predict, based on at least the calculated score, that at least one of the one or more elevated usage instances is scheduled to occur.

6. The system of claim 1, wherein the at least one processing device is further configured to automatically reallocate the one or more determined resources to the user for processing during the at least one of the one or more elevated usage instances.

7. The system of claim 1, wherein the at least one processing device is further configured to:

initiate a presentation of a first user interface for display on a user computing device, wherein the first interface comprises one or more determined resources to the user for processing during the at least one of the one or more elevated usage instances;

receive, via the first user interface, a user selection of at least one of the one or more determined resources; and

reallocate the one or more determined resources to the user based on at least receiving the user selection of at least one of the one or more determined resources.

8. A computerized method for predictive usage of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network, the method comprising:

determining, using a computing device processor, resource utilization profile associated with a user, wherein the resource utilization profile comprises information associated with one or more resources allocated to the user across the dispersed network;

continuously monitoring, using a computing device processor, the resource utilization profile of the user to track a use of the one or more resources allocated to the user over a predetermine period of time;

determining, using a computing device processor, one or more elevated usage instances based on at least continuously monitoring the resource utilization profile of the user;

predicting, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur;

determining, using a computing device processor, one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances;

reallocating, using a computing device processor, the one or more determined resources to the user;

receiving, using a computing device processor, from the user, an indication to initiate a change associated with the resource utilization profile of the user, wherein the change associated with the resource utilization profile comprises at least one or more conditions associated with a use of the at least one of the one or more resources associated with the resource utilization profile of the user;

reallocating, within the dispersed network, at least one of the one or more resources associated with the resource utilization profile based on at least the change initiated by the user;

initiating, using a computing device processor, a presentation of a user interface for display on a user device associated with the user, wherein the user interface comprises one or more resources associated with the resource utilization profile, the one or more resources being accessed by the user;

receiving, via the user interface, a first user selection of a first portion of the one or more resources associated with the resource utilization profile;

restricting, using a computing device processor, user access to the first portion of the one or more resources associated with the resource utilization profile based on at least the first user selection; and

continuously monitoring, using a computing device processor, the one or more resources associated with the resource utilization profile across the dispersed network for a predetermined period of time since the reallocation of at least one of the one or more resources based on the change initiated by the user and the restriction of the first portion of the one or more resources associated with the resource utilization profile, wherein monitoring further comprises determining whether the use of each of the one or more resources associated with the resource utilization profile of the user is within one or more limits based on the one or more conditions.

9. The method of claim 8, wherein the method further comprises:

predicting that at least one of the one or more elevated usage instances is scheduled to occur, wherein predicting further comprises determining a predetermined number of instances in the past when the elevated usage instances have occurred.

10. The method of claim 9, wherein the method further comprises:

determining a pattern associated with the resource utilization profile of the user based on at least tracking the use of the one or more resources allocated to the user over a predetermine period of time; and

predicting that at least one of the one or more elevated usage instances is scheduled to occur based on at least determining the pattern associated with the utilization profile of the user.

11. The method of claim 10, wherein the method further comprises:

retrieving information associated with a utilization of the one or more resources during an occurrence of at least one of the one or more previous elevated usage instances, wherein the information comprises one or more traits associated with the user and/or the one or more resources; and

continuously comparing the information associated with the utilization of the one or more resources during the occurrence of at least one of the one or more previous elevated usage instances with information associated with a current utilization of the one or more resources.

12. The method of claim 11, wherein the method further comprises:

calculating a score indicating a probability that the information associated with the utilization of the one or more resources during the occurrence of at least one of the one or more previous elevated usage instances approaches the information associated with the current utilization of the one or more resources; and

predicting, based on at least the calculated score, that at least one of the one or more elevated usage instances is scheduled to occur.

13. The method of claim 8, wherein the method further comprises automatically reallocating the one or more determined resources to the user for processing during the at least one of the one or more elevated usage instances.

14. The method of claim 8, wherein the method further comprises:

initiating a presentation of a first user interface for display on a user computing device, wherein the first interface comprises one or more determined resources to the user for processing during the at least one of the one or more elevated usage instances;

receiving, via the first user interface, a user selection of at least one of the one or more determined resources; and

reallocating the one or more determined resources to the user based on at least receiving the user selection of at least one of the one or more determined resources.

15. A computer program product for predictive usage of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network, the computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus to:

determine resource utilization profile associated with a user, wherein the resource utilization profile comprises information associated with one or more resources allocated to the user across the dispersed network;

continuously monitor the resource utilization profile of the user to track a use of the one or more resources allocated to the user over a predetermine period of time;

determine one or more elevated usage instances based on at least continuously monitoring the resource utilization profile of the user;

predict, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur;

determine one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances;

reallocate the one or more determined resources to the user;

receive, from the user, an indication to initiate a change associated with the resource utilization profile of the user, wherein the change associated with the resource utilization profile comprises at least one or more conditions associated with a use of the at least one of the one or more resources associated with the resource utilization profile of the user;

reallocate, within the dispersed network, at least one of the one or more resources associated with the resource utilization profile based on at least the change initiated by the user;

initiate a presentation of a user interface for display on a user device associated with the user, wherein the user interface comprises one or more resources associated with the resource utilization profile, the one or more resources being accessed by the user;

receive, via the user interface, a first user selection of a first portion of the one or more resources associated with the resource utilization profile;

restrict user access to the first portion of the one or more resources associated with the resource utilization profile based on at least the first user selection; and

continuously monitor the one or more resources associated with the resource utilization profile across the dispersed network for a predetermined period of time since the reallocation of at least one of the one or more resources based on the change initiated by the user and the restriction of the first portion of the one or more resources associated with the resource utilization profile, wherein monitoring further comprises determining whether the use of each of the one or more resources associated with the resource utilization profile of the user is within one or more limits based on the one or more conditions.

16. The computer program product of claim 15, wherein the first apparatus is further configured to:

predict that at least one of the one or more elevated usage instances is scheduled to occur, wherein predicting further comprises determining a predetermined number of instances in the past when the elevated usage instances have occurred.

17. The computer program product of claim 16, wherein the first apparatus is further configured to:

determine a pattern associated with the resource utilization profile of the user based on at least tracking the use of the one or more resources allocated to the user over a predetermine period of time; and

predict that at least one of the one or more elevated usage instances is scheduled to occur based on at least determining the pattern associated with the utilization profile of the user.

18. The computer program product of claim 17, wherein the first apparatus is further configured to:

retrieve information associated with a utilization of the one or more resources during an occurrence of at least one of the one or more previous elevated usage instances, wherein the information comprises one or more traits associated with the user and/or the one or more resources; and

continuously compare the information associated with the utilization of the one or more resources during the occurrence of at least one of the one or more previous elevated usage instances with information associated with a current utilization of the one or more resources.

19. The computer program product of claim 18, wherein the first apparatus is further configured to:

calculate a score indicating a probability that the information associated with the utilization of the one or more resources during the occurrence of at least one of the one or more previous elevated usage instances approaches the information associated with the current utilization of the one or more resources; and

predict, based on at least the calculated score, that at least one of the one or more elevated usage instances is scheduled to occur.

20. The computer program product of claim 15, wherein the first apparatus is further configured to automatically reallocate the one or more determined resources to the user for processing during the at least one of the one or more elevated usage instances.