System for predictive acquisition and use of resources

• US 10,291,487 B2
• Filed: 06/08/2016
• Issued: 05/14/2019
• 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): Xia, Xuyang
• Application Number:
  US15/176,276
• Publication Number:
  US 20170359230A1
• Time in Patent Office: 1,070 Days
• CPC Class Codes: G06F 3/048 Interaction techniques based on graphical user interfaces [GUI]
• CPC Class Codes: H04L 41/22 comprising specially adapted graphical user interfaces [GUI]
• CPC Class Codes: H04L 47/83 based on usage prediction
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/535 Tracking the activity of the user network monitoring arrangements H04L43/00; recording of computer activity G06F11/34
• CPC Class Codes: H04L 67/75 Indicating network or usage conditions on the user display

Abstract

Systems, computer program products, and methods are described herein for predictive acquisition and use of resources 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 initiate a change associated with a resource utilization profile of the user; initiate a first user interface, wherein the first user interface comprises one or more resources associated with the resource utilization profile; receive a user selection of at least one of the one or more resources associated with the resource utilization profile that the user wishes to change; monitor the one or more resources for a predetermined amount of time since the initiation of the change; determine a utilization trend; dynamically generate a graphical representation of the utilization trend; and display the graphical representation of the utilization trend to the user.

Claims

1. A system of predictive acquisition and use 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, wherein the at least one processing device is configured to execute computer-readable program code to;

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

receive, from a first user computing device, an indication from a user to initiate a change associated with a resource utilization profile of the user, wherein the first user computing device is associated with the one or more computing devices;

initiate, a first user interface to display on the first user computing device via the control path connection, wherein the first 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 first user interface, a user selection of at least one of the one or more resources associated with the resource utilization profile that the user wishes to change;

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

continuously monitor the one or more resources associated with the resource utilization profile associated with the user across the dispersed network for a predetermined amount of time since the initiation of the change by the user and the restriction of the at least one of the one or more resources associated with the resource utilization profile;

determine one or more elevated usage instances based on at least continuously monitoring the one or more resources associated with the resource utilization profile;

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

determine the 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;

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

determine an authorization level associated with an authorization profile of the user;

determine that the authorization level associated with the authorization profile of the user is greater than the predetermined threshold authorization level required to access the at least one of the one or more resources;

reallocate the at least one of the one or more resources based on at least determining that the authorization level associated with the authorization profile of the user is greater than the predetermined threshold authorization level required to access the at least one of the one or more resources;

determine a utilization trend associated with the utilization profile of the user;

dynamically generate a graphical representation of the utilization trend; and

transmit control signals configured to cause a display device associated with the first user computing device to display the graphical representation of the utilization trend to the user.

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

receive from the first user computing device, one or more conditions associated with the change initiated by the user in the utilization of the at least one of the one or more resources.

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

determine a past utilization trend associated with the utilization profile of the user based on at least continuously monitoring the one or more resources across the dispersed network for a predetermined amount of time prior to the initiation of the change by the user;

compare the past utilization trend with the utilization trend associated with the utilization profile of the user for the predetermined amount of time since the initiation of the change by the user; and

determine utilization savings associated with the one or more resources based on at least the comparing.

4. The system of claim 3, wherein the utilization savings is updated continuously based on at least continuously monitoring the one or more resources associated with the utilization profile associated with the user across the dispersed network.

5. The system of claim 3, wherein determining utilization savings further comprises determining a change in the utilization of the one or more resources associated with the utilization profile based on at least the change in the utilization of at least one of the one or more resources initiated by the user.

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

dynamically generate the graphical representation of the utilization trend, wherein the graphical representation further comprises the utilization savings.

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

initiate the presentation of the graphical user interface for display on the first user computing device, wherein initiating further comprises updating the graphical user interface continuously based on at least continuously monitoring the one or more resources associated with the utilization profile associated with the user across the dispersed network.

8. A method of predictive acquisition and use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network, the method comprising:

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

receiving, from a first user computing device, an indication from a user to initiate a change associated with a resource utilization profile of the user, wherein the first user computing device is associated with the one or more computing devices;

initiating, a first user interface to display on the first user computing device via the control path connection, wherein the first 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 first user interface, a user selection of at least one of the one or more resources associated with the resource utilization profile that the user wishes to change;

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

continuously monitoring, via the computing device processor, the one or more resources associated with the resource utilization profile associated with the user across the dispersed network for a predetermined amount of time since the initiation of the change by the user and the restriction of the at least one of the one or more resources associated with the resource utilization profile;

determining, via the computing device processor, one or more elevated usage instances based on at least continuously monitoring the one or more resources associated with the resource utilization profile;

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

determining, via the computing device processor, the 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;

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

determining, via the computing device processor, an authorization level associated with an authorization profile of the user;

determining, via the computing device processor, that the authorization level associated with the authorization profile of the user is greater than the predetermined threshold authorization level required to access the at least one of the one or more resources;

reallocating, via the computing device processor, the at least one of the one or more resources based on at least determining that the authorization level associated with the authorization profile of the user is greater than the predetermined threshold authorization level required to access the at least one of the one or more resources;

determining, via the computing device processor, a utilization trend associated with the utilization profile of the user;

dynamically generating, via the computing device processor, a graphical representation of the utilization trend; and

transmitting, via the computing device processor, control signals configured to cause a display device associated with the first user computing device to display the graphical representation of the utilization trend to the user.

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

receiving from the first user computing device, one or more conditions associated with the change initiated by the user in the utilization of the at least one of the one or more resources.

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

determining a past utilization trend associated with the utilization profile of the user based on at least continuously monitoring the one or more resources across the dispersed network for a predetermined amount of time prior to the initiation of the change by the user;

comparing the past utilization trend with the utilization trend associated with the utilization profile of the user for the predetermined amount of time since the initiation of the change by the user; and

determining utilization savings associated with the one or more resources based on at least the comparing.

11. The method of claim 10, wherein the utilization savings is updated continuously based on at least continuously monitoring the one or more resources associated with the utilization profile associated with the user across the dispersed network.

12. The method of claim 10, wherein determining utilization savings further comprises determining a change in the utilization of the one or more resources associated with the utilization profile based on at least the change in the utilization of at least one of the one or more resources initiated by the user.

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

dynamically generating the graphical representation of the utilization trend, wherein the graphical representation further comprises the utilization savings.

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

initiating the presentation of the graphical user interface for display on the first user computing device, wherein initiating further comprises updating the graphical user interface continuously based on at least continuously monitoring the one or more resources associated with the utilization profile associated with the user across the dispersed network.

15. A computer program product of predictive acquisition and use 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:

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

receive, from a first user computing device, an indication from a user to initiate a change associated with a resource utilization profile of the user, wherein the first user computing device is associated with the one or more computing devices;

initiate, a first user interface to display on the first user computing device via the control path connection, wherein the first 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 first user interface, a user selection of at least one of the one or more resources associated with the resource utilization profile that the user wishes to change;

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

continuously monitor the one or more resources associated with the resource utilization profile associated with the user across the dispersed network for a predetermined amount of time since the initiation of the change by the user and the restriction of the at least one of the one or more resources associated with the resource utilization profile;

determine one or more elevated usage instances based on at least continuously monitoring the one or more resources associated with the resource utilization profile;

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

determine the 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;

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

determine an authorization level associated with an authorization profile of the user;

determine that the authorization level associated with the authorization profile of the user is greater than the predetermined threshold authorization level required to access the at least one of the one or more resources;

reallocate the at least one of the one or more resources based on at least determining that the authorization level associated with the authorization profile of the user is greater than the predetermined threshold authorization level required to access the at least one of the one or more resources;

determine a utilization trend associated with the utilization profile of the user;

dynamically generate a graphical representation of the utilization trend; and

transmit control signals configured to cause a display device associated with the first user computing device to display the graphical representation of the utilization trend to the user.

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

receive from the first user computing device, one or more conditions associated with the change initiated by the user in the utilization of the at least one of the one or more resources.

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

determine a past utilization trend associated with the utilization profile of the user based on at least continuously monitoring the one or more resources across the dispersed network for a predetermined amount of time prior to the initiation of the change by the user;

compare the past utilization trend with the utilization trend associated with the utilization profile of the user for the predetermined amount of time since the initiation of the change by the user; and

determine utilization savings associated with the one or more resources based on at least the comparing.

18. The computer program product of claim 17, wherein the utilization savings is updated continuously based on at least continuously monitoring the one or more resources associated with the utilization profile associated with the user across the dispersed network.

19. The computer program product of claim 17, wherein determining utilization savings further comprises determining a change in the utilization of the one or more resources associated with the utilization profile based on at least the change in the utilization of at least one of the one or more resources initiated by the user.

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

dynamically generate the graphical representation of the utilization trend, wherein the graphical representation further comprises the utilization savings.