System for dynamic visualization of individualized consumption across shared resource allocation structure

• US 10,249,002 B2
• Filed: 09/11/2015
• Issued: 04/02/2019
• Est. Priority Date: 09/11/2015
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Dintenfass, Katherine, Missouri, Damon C., Wadley, Cameron Darnell, Wittkowski, Alexander C., Jones-McFadden, Alicia C., Thompson, Angela Fritz
• Primary Examiner(s): Sigmond, Bennett M
• Assistant Examiner(s): Bianco, Dario
• Application Number:
  US14/851,848
• Publication Number:
  US 20170076380A1
• Time in Patent Office: 1,299 Days
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: H04L 67/14 Session management for real-time applications in data packet communications networks H04L65/1066
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/561 Adding application-functional data or data for application control, e.g. adding metadata

Abstract

Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.

Claims

1. A system for dynamic visualization of individualized consumption across a shared resource allocation structure, the system comprising:

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

a communication device;

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

establish a first communication channel with a first user device associated with a first user;

receive, from the first user device, a first request from the first user to access the shared resource allocation structure, wherein receiving the first request further comprises receiving one or more authentication credentials associated with the first user;

validate the one or more authentication credentials associated with the first user;

receive a set of transaction information associated with the shared resource allocation structure, wherein the transaction information comprises data extracted from a plurality of consumption transactions;

determine a first subset of transaction information from the transaction information received from the shared resource allocation structure based on at least validating the one or more authentication credentials associated with the first user, wherein the first subset of transaction information relates to one or more transactions performed by the first user;

associate the first subset of transaction information with the first user;

determine a unique identity of the first user device;

perform a security check of the first user device by (1) determining, based on the unique identity of the first user device, that the first user device is associated with the first user and (2) determining that the first user device is not corrupted with viruses or malware;

display, via the first user device, the first subset of transaction information to the first user based on at least performing the security check of the first user device;

establish a second communication channel with a second user device associated with a second user;

receive, from the second user device, a second request from the second user to access the shared resource allocation structure, wherein receiving the second request further comprises receiving one or more authentication credentials associated with the second user;

validate the one or more authentication credentials associated with the second user;

determine a second subset of transaction information from the transaction information received from the shared resource allocation structure based on at least validating the one or more authentication credentials associated with the second user, wherein the second subset of transaction information relates to one or more transactions performed by the second user;

associate the second subset of transaction information with the second user;

determine a unique identity of the second user device;

perform a security check of the second user device by (1) determining, based on the unique identity of the second user device, that the second user device is associated with the second user and (2) determining that the second user device is not corrupted with viruses or malware;

filter the second subset of transaction information in a manner that requires the second subset of transaction information to be mutually exclusive from the first subset of transaction information; and

display, via the second user device, the second subset of transaction information based on at least performing the security check of the second user device.

2. The system of claim 1 wherein the processing device is further configured to execute the computer readable program code to:

associate a third subset of transaction information with the first user and with the second user, wherein the third subset of transaction information is mutually exclusive from the first subset of transaction information and is mutually exclusive from the second subset of transaction information.

3. The system of claim 2, wherein the processing device is further configured to execute the computer-readable program code to:

receive from the first user a first plurality of responses to questions, wherein the first plurality of responses is associated with a plurality of financial goals of the first user; and

receive from the second user a second plurality of responses to questions, wherein the second plurality of responses is associated with a plurality of financial goals of the second user.

4. The system of claim 3, wherein the processing device is further configured to execute the computer-readable program code to:

identify an area of commonality between the plurality of financial goals of the first user and the plurality of financial goals of the second user;

present to the first user a first depiction of the area of commonality;

present to the second user a second depiction of the area of commonality; and

establish a transaction rule associated with the commonality.

5. The system of claim 4 wherein the processing device is further configured to execute the computer readable program code to:

determine whether a consumption transaction in the first subset of transaction information is inconsistent with the transaction rule;

determine whether a consumption transaction in the second subset of transaction information is inconsistent with the transaction rule;

present to the first user a first depiction of the consumption transaction in the first subset of transaction information that is inconsistent with the transaction rule; and

present to the second user a depiction of the consumption transaction in the second subset of transaction information that is inconsistent with the transaction rule.

6. The system of claim 5, wherein the processing device is further configured to execute the computer-readable program code to:

transmit to the first user a challenge associated with the consumption transaction in the first subset of transaction information that violates the rule; and

transmit to the second user a challenge associated with the consumption transaction in the second subset of transaction information that violates the rule.

7. The system of claim 6, wherein the processing device is further configured to execute the computer-readable program code to:

establish a third communication channel between the first user device and a communication device associated with a third-party;

establish a fourth communication channel between the second user device and the communication device associated with the third party; and

establish a fifth communication channel between the first user device, the second user device, and the communication device associated with the third-party.

8. A computer program product for implementing dynamic visualization of individualized consumption across a shared resource allocation structure, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code embodied therein, the computer-readable program code when executed by a processing device is configured to cause the processing device to:

establish a first communication channel with a first user device associated with a first user;

receive, from the first user device, a first request from the first user to access the shared resource allocation structure, wherein receiving the first request further comprises receiving one or more authentication credentials associated with the first user;

validate the one or more authentication credentials associated with the first user;

receive a set of transaction information associated with the shared resource allocation structure, wherein the transaction information comprises data extracted from a plurality of consumption transactions;

determine a first subset of transaction information from the transaction information received from the shared resource allocation structure based on at least validating the one or more authentication credentials associated with the first user, wherein the first subset of transaction information relates to one or more transactions performed by the first user;

associate the first subset of transaction information with the first user;

determine a unique identity of the first user device;

perform a security check of the first user device by (1) determining, based on the unique identity of the first user device, that the first user device is associated with the first user and (2) determining that the first user device is not corrupted with viruses or malware;

display, via the first user device, the first subset of transaction information to the first user based on at least performing the security check of the first user device;

establish a second communication channel with a second user device associated with a second user;

receive, from the second user device, a second request from the second user to access the shared resource allocation structure, wherein receiving the second request further comprises receiving one or more authentication credentials associated with the second user;

validate the one or more authentication credentials associated with the second user;

determine a second subset of transaction information from the transaction information received from the shared resource allocation structure based on at least validating the one or more authentication credentials associated with the second user, wherein the second subset of transaction information relates to one or more transactions performed by the second user;

associate the second subset of transaction information with the second user;

determine a unique identity of the second user device;

perform a security check of the second user device by (1) determining, based on the unique identity of the second user device, that the second user device is associated with the second user and (2) determining that the second user device is not corrupted with viruses or malware;

filter the second subset of transaction information in a manner that requires the second subset of transaction information to be mutually exclusive from the first subset of transaction information; and

display, via the second user device, the second subset of transaction information based on at least performing the security check of the second user device.

9. The computer program product of claim 8 wherein the computer readable program code when executed by the processing device is configured to cause the processing device to:

associate a third subset of transaction information with the first user and with the second user, wherein the third subset of transaction information is mutually exclusive from the first subset of transaction information and is mutually exclusive from the second subset of transaction information.

10. The computer program product of claim 9, wherein the computer readable program code when executed by the processing device is configured to cause the processing device to:

receive from the first user a first plurality of responses to questions, wherein the first plurality of responses is associated with a plurality of financial goals of the first user; and

receive from the second user a second plurality of responses to questions, wherein the second plurality of responses is associated with a plurality of financial goals of the second user.

11. The computer program product of claim 10, wherein the computer-readable program code when executed by the processing device is configured to cause the processing device to:

identify an area of commonality between the plurality of financial goals of the first user and the plurality of financial goals of the second user;

present to the first user a first depiction of the area of commonality;

present to the second user a second depiction of the area of commonality; and

establish a transaction rule associated with the commonality.

12. The computer program product of claim 11 wherein the computer readable program code when executed by the processing device is configured to cause the processing device to:

determine whether a consumption transaction in the first subset of transaction information is inconsistent with the transaction rule;

determine whether a consumption transaction in the second subset of transaction information is inconsistent with the transaction rule;

present to the first user a first depiction of the consumption transaction in the first subset of transaction information that is inconsistent with the transaction rule; and

present to the second user a depiction of the consumption transaction in the second subset of transaction information that is inconsistent with the transaction rule.

13. The computer program product of claim 12, wherein the computer-readable program code when executed by the processing device is configured to cause the processing device to:

transmit to the first user a challenge associated with the consumption transaction in the first subset of transaction information that violates the rule; and

transmit to the second user a challenge associated with the consumption transaction in the second subset of transaction information that violates the rule.

14. The computer program product of claim 13, wherein the computer-readable program code when executed by the processing device is configured to cause the processing device to:

establish a third communication channel between the first user device and a communication device associated with a third-party;

establish a fourth communication channel between the second user device and the communication device associated with the third party; and

establish a fifth communication channel between the first user device, the second user device, and the communication device associated with the third-party.

15. A method for implementing dynamic visualization of individualized consumption across a shared resource allocation structure, the method comprising:

establishing a first communication channel with a first user device associated with a first user;

receiving, from the first user device, a first request from the first user to access the shared resource allocation structure, wherein receiving the first request further comprises receiving one or more authentication credentials associated with the first user;

validating the one or more authentication credentials associated with the first user;

receiving a set of transaction information associated with the shared resource allocation structure, wherein the transaction information comprises data extracted from a plurality of consumption transactions;

determining a first subset of transaction information from the transaction information received from the shared resource allocation structure based on at least validating the one or more authentication credentials associated with the first user, wherein the first subset of transaction information relates to one or more transactions performed by the first user;

associating the first subset of transaction information with the first user;

determining a unique identity of the first user device;

performing a security check of the first user device by (1) determining, based on the unique identity of the first user device, that the first user device is associated with the first user and (2) determining that the first user device is not corrupted with viruses or malware;

displaying, via the first user device, the first subset of transaction information to the first user based on at least performing the security check of the first user device;

establishing a second communication channel with a second user device associated with a second user;

receiving, from the second user device, a second request from the second user to access the shared resource allocation structure, wherein receiving the second request further comprises receiving one or more authentication credentials associated with the second user;

validating the one or more authentication credentials associated with the second user;

determining a second subset of transaction information from the transaction information received from the shared resource allocation structure based on at least validating the one or more authentication credentials associated with the second user, wherein the second subset of transaction information relates to one or more transactions performed by the second user;

associating the second subset of transaction information with the second user;

determining a unique identity of the second user device;

performing a security check of the second user device by (1) determining, based on the unique identity of the second user device, that the second user device is associated with the second user and (2) determining that the second user device is not corrupted with viruses or malware;

filtering the second subset of transaction information in a manner that requires the second subset of transaction information to be mutually exclusive from the first subset of transaction information; and

displaying, via the second user device, the second subset of transaction information based on at least performing the security check of the second user device.

16. The method of claim 15 wherein the method further comprises:

associating a third subset of transaction information with the first user and with the second user, wherein the third subset of transaction information is mutually exclusive from the first subset of transaction information and is mutually exclusive from the second subset of transaction information.

17. The method of claim 16, wherein the method further comprises:

receiving from the first user a first plurality of responses to questions, wherein the first plurality of responses is associated with a plurality of financial goals of the first user; and

receiving from the second user a second plurality of responses to questions, wherein the second plurality of responses is associated with a plurality of financial goals of the second user.

18. The method of claim 17, wherein the method further comprises:

identifying an area of commonality between the plurality of financial goals of the first user and the plurality of financial goals of the second user;

presenting to the first user a first depiction of the area of commonality;

presenting to the second user a second depiction of the area of commonality;

establishing a transaction rule associated with the commonality;

determining whether a consumption transaction in the first subset of transaction information is inconsistent with the transaction rule;

determining whether a consumption transaction in the second subset of transaction information is inconsistent with the transaction rule;

presenting to the first user a first depiction of the consumption transaction in the first subset of transaction information that is inconsistent with the transaction rule; and

presenting to the second user a depiction of the consumption transaction in the second subset of transaction information that is inconsistent with the transaction rule.

19. The method of claim 18, wherein the method further comprises:

transmitting to the first user a challenge associated with the consumption transaction in the first subset of transaction information that violates the rule; and

transmitting to the second user a challenge associated with the consumption transaction in the second subset of transaction information that violates the rule.

20. The method of claim 19, wherein the method further comprises:

establishing a third communication channel between the first user device and a communication device associated with a third-party;

establishing a fourth communication channel between the second user device and the communication device associated with the third party; and

establishing a fifth communication channel between the first user device, the second user device, and the communication device associated with the third-party.