Resource allocation based on available resources via interactive interface

• US 10,021,672 B2
• Filed: 01/04/2016
• Issued: 07/10/2018
• Est. Priority Date: 01/04/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Cole, Kevin T., Hsieh, Matthew, Enscoe, Scott R., Bullock, Caitlin Chrisman
• Primary Examiner(s): Bhattacharya, Sam
• Application Number:
  US14/987,722
• Publication Number:
  US 20170195993A1
• Time in Patent Office: 918 Days
• Field of Search: 455406, 455407, 455410, 455411, 455450, 705 5, 705 17, 705 39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04W 72/02 Selection of wireless resources by user or terminal

Abstract

Embodiments of the invention are directed to a system, method, or computer program product for providing resource allocation based on available resources via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention provides the interactive resource interface on the mobile device, wherein the interface is configured to receive user input comprising physical gestures. The system identifies a user input comprising a first physical gesture, wherein the physical gesture is associated with one or more gesture attributes. Consequently, the system may initiate a resource transfer between two resources, based on correlating the one or more gesture attributes with the resources.

Claims

1. A system for resource allocation based on available resources, whereby the system provides a comprehensive integrated platform for optimal allocation of resources via an interactive resource allocation interface in real-time, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;

establish an operative communication link with a mobile device associated with a user and provide a user resource application on the mobile device;

determine user resources associated with the user, wherein determining the user resources comprises analyzing mobile device data associated with the user, wherein determining user resources further comprises;

analyzing contents of an electronic mail associated with the user;

identifying an attachment of the electronic mail, the attachment comprising an image of a check;

analyzing the image of the check, wherein analyzing the image of the check comprises converting the attachment to a predetermined structured format; and

determining at least one of the user resources based on analyzing the image of the check;

receive authorization credentials from the user to access the user resources;

extract, for each of the user resources, resource data from a source of the user resource, wherein the resource data comprises real-time resource level, resource transfer history, resource transfer schedules and user goals for the user resource;

transform the extracted resource data into a textual format encrypted for use only on an interactive resource tracking and allocation interface of the user resource application;

transmit control instructions to the mobile device that cause the user resource application to present the interactive resource allocation interface on a display of the mobile device, wherein the interactive resource interface is configured to receive user input comprising one or more physical gestures;

identify at least one first trigger event comprising a first physical gesture of the one or more physical gestures from the user;

determine one or more gesture attributes associated with the first physical gesture, wherein each gesture attribute of the one or more gesture attributes is associated with at least one user resource of the user resources;

determine a first user resource of the user resources that is associated with the one or more gesture attributes, wherein the first user resource comprises a first resource level;

determine a second user resource of the user resources that is associated with the one or more gesture attributes, wherein the second user resource comprises a second resource level; and

initiate, automatically and in real-time, a resource transfer from the first user resource to the second resource such that a first resource transfer value of the first user resource is transferred to the second user resource based on the first physical gesture, wherein the resource transfer causes a decrease in the first resource level and an increase in the second resource level.

2. The system of claim 1, wherein the one or more gesture attributes of the first physical gesture comprise at least one of a gesture direction, a gesture path, a gesture velocity and gesture pressure.

3. The system of claim 1, wherein executing the computer-readable program code further causes the at least one processing device to:

identify at least one second trigger event comprising an outflow resource transfer from the first user resource of the user resources, wherein identifying the at least one second trigger event comprises determining an outflow resource transfer value associated with the at least one second trigger event;

determine a savings resource of the user resources comprising a savings resource level; and

initiate a resource transfer from the first user resource to the savings resource such that a first resource value of the first user resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

4. The system of claim 1, wherein executing the computer-readable program code further causes the at least one processing device to:

analyze resource data associated with a savings resource of the user resources, wherein the resource data comprises resource transfer history and a savings resource level associated with the savings resource;

determine a closing inflow resource transfer into the savings resource, wherein identifying the closing inflow resource transfer comprises determining a first time associated with the closing inflow resource transfer;

determine an elapsed time period between the first time and a current time;

identify at least one second trigger event based on determining that the elapsed time period exceeds a predetermined threshold value;

determine a transactional resource of the user resources comprising a transactional resource level; and

initiate a resource transfer from the transactional resource to the savings resource such that a first resource value of the transactional resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

5. The system of claim 1, wherein executing the computer-readable program code further causes the at least one processing device to:

determine that the user is currently associated with a session on a first application of the mobile device, wherein the session comprises a display of a first application interface associated with the first application on the mobile device;

determine a savings resource of the user resource comprising a savings resource level;

determine one or more transactional resources of the user resources, wherein each transactional resource comprises a transactional resource level;

present the interactive resource allocation interface via overlay on the display of the mobile device such that the interactive allocation resource interface displaces one or more portions of the session of the first application interface on the display, thereby manipulating the physical position of the one or more portions of the session on display, wherein the interactive resource allocation interface comprises a display of the one or more transactional resources and the transactional resource levels, wherein the interactive resource allocation interface comprises a notification for the user to initiate a resource transfer to the savings resource;

receive, from the user, a selection of at least one transactional resource of the one or more transactional resources; and

initiate a resource transfer from the at least one transactional resource to the savings resource such that a first resource value of the at least one transactional resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

6. The system of claim 5, wherein the session on the display further comprises a web session, text session, or telephone session of the user on the mobile device.

7. The system of claim 1, wherein the user resources comprise financial resources of the user, wherein the first user resource is a transactional resource or a savings resource.

8. A computer program product for resource allocation based on available resources, whereby the computer program product provides a comprehensive integrated platform for optimal allocation of resources via an interactive resource allocation interface in real-time, comprising a non-transitory computer-readable storage medium having computer-executable instructions to:

establish an operative communication link with a mobile device associated with a user and provide a user resource application on the mobile device;

determine user resources associated with the user, wherein determining the user resources comprises analyzing mobile device data associated with the user, wherein determining user resources further comprises;

analyzing contents of an electronic mail associated with the user;

identifying an attachment of the electronic mail, the attachment comprising an image of a check;

analyzing the image of the check, wherein analyzing the image of the check comprises converting the attachment to a predetermined structured format; and

determining at least one of the user resources based on analyzing the image of the check;

receive authorization credentials from the user to access the user resources;

extract, for each of the user resources, resource data from a source of the user resource, wherein the resource data comprises real-time resource level, resource transfer history, resource transfer schedules and user goals for the user resource;

transform the extracted resource data into a textual format encrypted for use only on an interactive resource tracking and allocation interface of the user resource application;

transmit control instructions to the mobile device that cause the user resource application to present the interactive resource allocation interface on a display of the mobile device, wherein the interactive resource interface is configured to receive user input comprising one or more physical gestures;

identify at least one first trigger event comprising a first physical gesture of the one or more physical gestures from the user;

determine one or more gesture attributes associated with the first physical gesture, wherein each gesture attribute of the one or more gesture attributes is associated with at least one user resource of the user resources;

determine a first user resource of the user resources that is associated with the one or more gesture attributes, wherein the first user resource comprises a first resource level;

determine a second user resource of the user resources that is associated with the one or more gesture attributes, wherein the second user resource comprises a second resource level; and

initiate, automatically and in real-time, a resource transfer from the first user resource to the second resource such that a first resource transfer value of the first user resource is transferred to the second user resource based on the first physical gesture, wherein the resource transfer causes a decrease in the first resource level and an increase in the second resource level.

9. The computer program product of claim 8, wherein the one or more gesture attributes of the first physical gesture comprise at least one of a gesture direction, a gesture path, a gesture velocity and gesture pressure.

10. The computer program product of claim 8, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to:

identify at least one second trigger event comprising an outflow resource transfer from the first user resource of the user resources, wherein identifying the at least one second trigger event comprises determining an outflow resource transfer value associated with the at least one second trigger event;

determine a savings resource of the user resources comprising a savings resource level; and

initiate a resource transfer from the first user resource to the savings resource such that a first resource value of the first user resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

11. The computer program product of claim 8, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to:

analyze resource data associated with a savings resource of the user resources, wherein the resource data comprises resource transfer history and a savings resource level associated with the savings resource;

determine a closing inflow resource transfer into the savings resource, wherein identifying the closing inflow resource transfer comprises determining a first time associated with the closing inflow resource transfer;

determine an elapsed time period between the first time and a current time;

identify at least one second trigger event based on determining that the elapsed time period exceeds a predetermined threshold value;

determine a transactional resource of the user resources comprising a transactional resource level; and

initiate a resource transfer from the transactional resource to the savings resource such that a first resource value of the transactional resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

12. The computer program product of claim 8, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to:

determine that the user is currently associated with a session on a first application of the mobile device, wherein the session comprises a display of a first application interface associated with the first application on the mobile device;

determine a savings resource of the user resource comprising a savings resource level;

determine one or more transactional resources of the user resources, wherein each transactional resource comprises a transactional resource level;

present the interactive resource allocation interface via overlay on the display of the mobile device such that the interactive allocation resource interface displaces one or more portions of the session on the display, thereby manipulating the physical position of the one or more portions of the session of the first application interface on display, wherein the interactive resource allocation interface comprises a display of the one or more transactional resources and the transactional resource levels, wherein the interactive resource allocation interface comprises a notification for the user to initiate a resource transfer to the savings resource;

receive, from the user, a selection of at least one transactional resource of the one or more transactional resources; and

initiate a resource transfer from the at least one transactional resource to the savings resource such that a first resource value of the at least one transactional resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

13. The computer program product of claim 12, wherein the session on the display further comprises a web session, text session, or telephone session of the user on the mobile device.

14. The computer program product of claim 8, wherein the user resources comprise financial resources of the user, wherein the first user resource is a transactional resource or a savings resource.

15. A method for resource allocation based on available resources, whereby the method provides a comprehensive integrated platform for optimal allocation of resources via an interactive resource allocation interface in real-time, comprising:

establishing an operative communication link with a mobile device associated with a user and provide a user resource application on the mobile device;

determining user resources associated with the user, wherein determining the user resources comprises analyzing mobile device data associated with the user, wherein determining user resources further comprises;

analyzing contents of an electronic mail associated with the user;

identifying an attachment of the electronic mail, the attachment comprising an image of a check;

analyzing the image of the check, wherein analyzing the image of the check comprises converting the attachment to a predetermined structured format; and

determining at least one of the user resources based on analyzing the image of the check;

receiving authorization credentials from the user to access the user resources;

extracting, for each of the user resources, resource data from a source of the user resource, wherein the resource data comprises real-time resource level, resource transfer history, resource transfer schedules and user goals for the user resource;

transforming the extracted resource data into a textual format encrypted for use only on an interactive resource tracking and allocation interface of the user resource application;

transmitting control instructions to the mobile device that cause the user resource application to present the interactive resource allocation interface on a display of the mobile device, wherein the interactive resource interface is configured to receive user input comprising one or more physical gestures;

identifying at least one first trigger event comprising a first physical gesture of the one or more physical gestures from the user;

determining one or more gesture attributes associated with the first physical gesture, wherein each gesture attribute of the one or more gesture attributes is associated with at least one user resource of the user resources;

determining a first user resource of the user resources that is associated with the one or more gesture attributes, wherein the first user resource comprises a first resource level;

determining a second user resource of the user resources that is associated with the one or more gesture attributes, wherein the second user resource comprises a second resource level; and

initiating, automatically and in real-time, a resource transfer from the first user resource to the second resource such that a first resource transfer value of the first user resource is transferred to the second user resource based on the first physical gesture, wherein the resource transfer causes a decrease in the first resource level and an increase in the second resource level.

16. The method of claim 15, wherein the one or more gesture attributes of the first physical gesture comprise at least one of a gesture direction, a gesture path, a gesture velocity and gesture pressure.

17. The method of claim 15, further comprising:

identifying at least one second trigger event comprising an outflow resource transfer from the first user resource of the user resources, wherein identifying the at least one second trigger event comprises determining an outflow resource transfer value associated with the at least one second trigger event;

determining a savings resource of the user resources comprising a savings resource level; and

initiating a resource transfer from the first user resource to the savings resource such that a first resource value of the first user resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

18. The method of claim 15, further comprising:

analyzing resource data associated with a savings resource of the user resources, wherein the resource data comprises resource transfer history and a savings resource level associated with the savings resource;

determining a closing inflow resource transfer into the savings resource, wherein identifying the closing inflow resource transfer comprises determining a first time associated with the closing inflow resource transfer;

determining an elapsed time period between the first time and a current time;

identify at least one second trigger event based on determining that the elapsed time period exceeds a predetermined threshold value;

determining a transactional resource of the user resources comprising a transactional resource level; and

initiating a resource transfer from the transactional resource to the savings resource such that a first resource value of the transactional resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

19. The method of claim 15, further comprising:

determining that the user is currently associated with a session on a first application of the mobile device, wherein the session comprises a display of a first application interface associated with the first application on the mobile device;

determining a savings resource of the user resource comprising a savings resource level;

determining one or more transactional resources of the user resources, wherein each transactional resource comprises a transactional resource level;

presenting the interactive resource allocation interface via overlay on the display of the mobile device such that the interactive allocation resource interface displaces one or more portions of the session of the first application interface on the display, thereby manipulating the physical position of the one or more portions of the session on display, wherein the interactive resource allocation interface comprises a display of the one or more transactional resources and the transactional resource levels, wherein the interactive resource allocation interface comprises a notification for the user to initiate a resource transfer to the savings resource;

receiving, from the user, a selection of at least one transactional resource of the one or more transactional resources; and

initiating a resource transfer from the at least one transactional resource to the savings resource such that a first resource value of the at least one transactional resource is transferred to the savings resource, wherein the resource transfer causes an increase in the savings resource level.

20. The method of claim 19, wherein the session on the display further comprises a web session, text session, or telephone session of the user on the mobile device.