System and method for revenue and authorization management
First Claim
Patent Images
1. A computerized system for resource management comprising:
- a. a master wallet;
b. at least two shadow wallets;
wherein said system may be programmed to process a request wherein said request includes a identifier;
said master wallet may be associated with a group of identifiers (master group);
said master wallet may be programmed to comprise a resource;
said master wallet may be programmed to allocate a subset of said resource (loan) to each of said at least two shadow wallets;
said system may be programmed to process said request against the loan residing on one of said shadow wallets.
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Abstract
A system is disclosed for facilitating relationship-centric authorization of transactions in a manner which provides optimum scalability and availability by logically partitioning wallets in conjunction with partitioning a resource associated with a group of consumers.
233 Citations
22 Claims
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1. A computerized system for resource management comprising:
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a. a master wallet;
b. at least two shadow wallets;
wherein said system may be programmed to process a request wherein said request includes a identifier;
said master wallet may be associated with a group of identifiers (master group);
said master wallet may be programmed to comprise a resource;
said master wallet may be programmed to allocate a subset of said resource (loan) to each of said at least two shadow wallets;
said system may be programmed to process said request against the loan residing on one of said shadow wallets. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computerized system for resource management comprising:
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a. a master wallet;
b. at least one shadow wallet;
wherein said system may be programmed to process a request wherein said request includes a identifier;
said master wallet may be associated with a group of identifiers (master group) said at least one shadow wallet may be associated with a subset of said master group;
said master wallet may be programmed to comprise a resource;
said master wallet may be programmed to allocate a subset of said resource (loan) to said at least one shadow wallet;
said system may be programmed to determine which shadow wallet may be associated with a group of identifiers which include said identifier associated with said request (selected shadow wallet);
said system may be programmed to process said request against said selected shadow wallet'"'"'s loan;
said master wallet may be updated as said loan may be consumed on said shadow wallet with a remaining loan amount;
if said shadow wallet fails (failed shadow wallet), said master wallet creates a new shadow wallet and allocates said remaining loan amount to said new shadow wallet;
said system may be reprogrammed to send any requests associated with said failed shadow wallet to said new shadow wallet. - View Dependent Claims (18, 19)
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20. A computerized system for resource management comprising a master wallet wherein:
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said system may be programmed to process a request wherein said request includes a identifier;
said master wallet may be associated with a group of identifiers (master group);
said master wallet may comprise a resource corresponding to a product which further corresponds to one or more identifiers;
upon receiving a request, said master wallet may create a shadow wallet corresponding to at least said identifier associated with said request;
said master wallet may be programmed to allocate a subset of said resource (loan) to said shadow wallet;
said request may be processed against said loan in said shadow wallet.
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21. A computerized system for resource management comprising:
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a. a master wallet;
b. at least two shadow wallets (a first shadow wallet and a second shadow wallet);
wherein said master wallet may be programmed to comprise a resource;
said master wallet may be programmed to allocate a subset of said resource (loan) to each of said at least two shadow wallets;
said system may be programmed to process said request against the loan residing on said first shadow wallet;
if said first shadow wallet fails, said system may be programmed to reroute said request to said second shadow wallet.
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22. A computerized system for resource management comprising:
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a. a master wallet;
b. at least one shadow wallet;
wherein said system may be programmed to process a request wherein said request includes a identifier;
said master wallet may be associated with a group of identifiers (master group);
said master wallet may be programmed to comprise a resource;
said master wallet may be programmed to allocate a subset of said resource (loan) to said at least one shadow wallet;
said system may be programmed to process said request against the loan residing on said at least one shadow wallet.
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Specification