System for creation of alternative path to resource acquisition

• US 10,178,101 B2
• Filed: 06/08/2016
• Issued: 01/08/2019
• 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): Chiang, Jason
• Application Number:
  US15/176,267
• Publication Number:
  US 20170359351A1
• Time in Patent Office: 944 Days
• Field of Search: None
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 63/105 Multiple levels of security

Abstract

Systems, computer program products, and methods are described herein for access to a resource across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to access a resource; display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile; receive a user acknowledgement to establish the authorization profile; determine one or more access paths associated with an authorization model to enable the user to establish the authorization profile; and display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile.

Claims

1. A system for establishing access protocols for access to a resource 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 memory device, wherein the at least one 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 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 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;

initiate a control path connection on a network layer between one or more computing devices attached to the dispersed network and at least one distributed server;

receive, from a user computing device, an indication from a user to access a resource, wherein the resource is associated with the one or more resources, wherein the user computing device is associated with the one or more computing devices, wherein the resource is associated with a predetermined threshold authorization level required to access the resource;

transmit control signals configured to cause a display device of the user computing device to display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile;

receive, via the first user interface, a user acknowledgement to establish the authorization profile;

determine one or more access paths associated with an authorization model to enable the user to establish the authorization profile;

transmit control signals configured to cause a display device of the user computing device to display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile;

determine an authorization level associated with the authorization profile;

determine that the authorization level associated with the authorization profile is greater than a predetermined threshold authorization level required to access the resource; and

reallocate the resource to the user based on at least determining that the authorization level associated with the authorization profile is greater than a predetermined threshold authorization level required to access the resource.

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

receive, from the user computing device, a first user request for authorization to access the resource;

determine that the user is not authorized to access the resource;

initiate a data path connection with the user computing device associated with the user; and

transmit control signals configured to cause the display device of the user computing device to display the first user interface on the user computing device, wherein the first user interface comprises an indication that the user is not authorized to access the resource.

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

receive, via the second user interface, a user selection of at least one of the one or more access paths to establish the authorization profile; and

determine one or more actions associated with the at least one of the one or more access paths to be executed by the user to establish the authorization profile.

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

transmit control signals configured to cause the display device of the user computing device to display a third user interface on the user computing device, wherein the third user interface comprises the one or more actions associated with the at least one of the one or more access paths; and

receive, via the third user interface, a user input indicating an execution of at least one of the one or more actions by the user associated with the at least one of the one or more access paths to establish the authorization profile.

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

initiate data mining techniques to access information associated with a user profile of the user to extract one or more characteristic traits associated with the user profile of the user;

determine a score associated with each of the at least one of the one or more actions executed by the user based on at least receiving the indication that the user has executed the at least one of the one or more actions; and

determine the authorization level associated with the authorization profile based on at least the score and the one or more characteristic traits associated with the user profile of the user.

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

transmit an acknowledgement to the user computing device indicating the execution of the at least one of the one or more actions.

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

determine that the authorization level is greater than a predetermined threshold authorization level required to access the resource; and

transmit control signals configured to cause the display device of the user computing device to display an acknowledgement on the user computing device indicating an approval of the user request based on at least determining that the authorization level is greater than a predetermined threshold authorization level required to access the resource.

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

transmit control signals configured to cause the one or more computing devices connected to the dispersed network to initiate execution of one or more queries to enable the user to access the resource based on at least determining that the authorization level is greater than a predetermined threshold authorization level required to access the resource.

9. A computerized method for establishing access protocols for access to a resource 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 the 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, using a computing device processor, 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;

initiating, using a computing device processor, a control path connection on a network layer between one or more computing devices attached to the dispersed network and at least one distributed server;

receiving, from a user computing device, an indication from a user to access a resource, wherein the resource is associated with the one or more resources, wherein the user computing device is associated with the one or more computing devices, wherein the resource is associated with a predetermined threshold authorization level required to access the resource;

transmitting, using a computing device processor, control signals configured to cause a display device of the user computing device to display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile;

receiving, via the first user interface, a user acknowledgement to establish the authorization profile;

determining, using a computing device processor, one or more access paths associated with an authorization model to enable the user to establish the authorization profile;

transmitting, using a computing device processor, control signals configured to cause a display device of the user computing device to display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile;

determining, using a computing device processor, an authorization level associated with the authorization profile;

determining, using a computing device processor, that the authorization level associated with the authorization profile is greater than a predetermined threshold authorization level required to access the resource; and

reallocating, using a computing device processor, the resource to the user based on at least determining that the authorization level associated with the authorization profile is greater than a predetermined threshold authorization level required to access the resource.

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

receiving, from the user computing device, a first user request for authorization to access the resource;

determining that the user is not authorized to access the resource;

initiating a data path connection with the user computing device associated with the user; and

transmitting control signals configured to cause the display device of the user computing device to display the first user interface on the user computing device, wherein the first user interface comprises an indication that the user is not authorized to access the resource.

11. The method of claim 9, the method further comprises:

receiving, via the second user interface, a user selection of at least one of the one or more access paths to establish the authorization profile; and

determining one or more actions associated with the at least one of the one or more access paths to be executed by the user to establish the authorization profile.

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

transmitting control signals configured to cause the display device of the user computing device to display a third user interface on the user computing device, wherein the third user interface comprises the one or more actions associated with the at least one of the one or more access paths; and

receiving, via the third user interface, a user input indicating an execution of at least one of the one or more actions by the user associated with the at least one of the one or more access paths to establish the authorization profile.

13. The method of claim 12, the method further comprises:

initiating data mining techniques to access information associated with a user profile of the user to extract one or more characteristic traits associated with the user profile of the user;

determining a score associated with each of the at least one of the one or more actions executed by the user based on at least receiving the indication that the user has executed the at least one of the one or more actions; and

determining an authorization level associated with the authorization profile based on at least the score and the one or more characteristic traits associated with the user profile of the user.

14. The system of claim 13, the method further comprises:

transmitting an acknowledgement to the user computing device indicating the execution of the at least one of the one or more actions.

15. The method of claim 13, the method further comprises:

determining that the authorization level is greater than a predetermined threshold authorization level required to access the resource; and

transmitting control signals configured to cause the display device of the user computing device to display an acknowledgement on the user computing device indicating an approval of the user request based on at least determining that the authorization level is greater than a predetermined threshold authorization level required to access the resource.

16. A computer program product for establishing access protocols for access to a resource 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 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 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;

initiate a control path connection on a network layer between one or more computing devices attached to the dispersed network and at least one distributed server;

receive, from a user computing device, an indication from a user to access a resource, wherein the resource is associated with the one or more resources, wherein the user computing device is associated with the one or more computing devices, wherein the resource is associated with a predetermined threshold authorization level required to access the resource;

transmit control signals configured to cause a display device of the user computing device to display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile;

receive, via the first user interface, a user acknowledgement to establish the authorization profile;

determine one or more access paths associated with an authorization model to enable the user to establish the authorization profile;

transmit control signals configured to cause a display device of the user computing device to display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile;

determine an authorization level associated with the authorization profile;

determine that the authorization level associated with the authorization profile is greater than a predetermined threshold authorization level required to access the resource; and

reallocate the resource to the user based on at least determining that the authorization level associated with the authorization profile is greater than a predetermined threshold authorization level required to access the resource.

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

receive, from the user computing device, a first user request for authorization to access the resource;

determine that the user is not authorized to access the resource;

initiate a data path connection with the user computing device associated with the user; and

transmit control signals configured to cause the display device of the user computing device to display the first user interface on the user computing device, wherein the first user interface comprises an indication that the user is not authorized to access the resource.

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

receive, via the second user interface, a user selection of at least one of the one or more access paths to establish the authorization profile; and

determine one or more actions associated with the at least one of the one or more access paths to be executed by the user to establish the authorization profile.

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

transmit control signals configured to cause the display device of the user computing device to display a third user interface on the user computing device, wherein the third user interface comprises the one or more actions associated with the at least one of the one or more access paths; and

receive, via the third user interface, a user input indicating an execution of at least one of the one or more actions by the user associated with the at least one of the one or more access paths to establish the authorization profile.

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

initiate data mining techniques to access information associated with a user profile of the user to extract one or more characteristic traits associated with the user profile of the user;

determine a score associated with each of the at least one of the one or more actions executed by the user based on at least receiving the indication that the user has executed the at least one of the one or more actions; and

determine an authorization level associated with the authorization profile based on at least the score and the one or more characteristic traits associated with the user profile of the user.