Computing system for resource management based on resource attributes and predicting user actions

• US 10,356,074 B2
• Filed: 02/15/2017
• Issued: 07/16/2019
• Est. Priority Date: 02/15/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Dravneek, Victoria L., Dintenfass, Katherine, Kerr, Robert S., Karmelek, Jason Christian
• Primary Examiner(s): Wasel, Mohamed A.
• Application Number:
  US15/433,804
• Publication Number:
  US 20180234353A1
• Time in Patent Office: 881 Days
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 67/53 using third party service providers
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

Embodiments of the present invention provide a system for identifying and pooling resources, as well as tools that enable users to manage the pooled resources. In particular, the system may identify resource data provided by an authenticated user and assign a classification to the resource based on the data type. The system may further create logical links between and amongst the resources provided by all authenticated users within the system according to their respective classifications, grouping like resources or related resources together. Resources may be assigned to one or more classifications and may be “tagged” for later identification and retrieval by the system based on the data contained within the resources. The system may then provide the aggregated data to the user for further processing and input.

Claims

1. A system for identifying, pooling, and managing resources, comprising:

a resource management server in operative communication with a plurality of user devices of a plurality of users over a network, the plurality of user devices comprising a first user device of a first user, a second user device of a second user, and a third user device of a third user;

a first processor;

a first memory; and

a resource management server application stored in the first memory, wherein the resource management server application, when executed by the first processor, causes the first processor to;

receive, from the first user device, resource data associated with a first resource;

extract and determine attributes of the first resource and the first user from the resource data;

based on the attributes of the first resource and the first user, assign one or more classifications to the first resource and the first user;

based on the one or more classifications of the first resource and the first user, predict a future action of the user within a resource management client application;

send, over the network, a future action command to the first user device to prompt the first user to complete the future action;

identify a subset of users interested in a second resource, the subset of users comprising the second user and the third user;

send a resource pooling command to a second plurality of user devices of the subset of users interested in the second resource, wherein the resource pooling command causes the second plurality of user devices to present a resource pooling prompt to the subset of users;

detect that the second user and the third user have accepted the resource pooling prompt;

create a user group, wherein the user group comprises the second user and the third user; and

transfer the second resource to the user group.

2. The system of claim 1, wherein the resource management server application, when executed by the first processor, further causes the first processor to:

receive authentication credentials from the second user and the third user;

query a third party server, wherein the third party server comprises account data associated with the second user and the third user; and

receive the account data associated with the second user and the third user from the third party server.

3. The system of claim 1, wherein the resource management server application, when executed by the first processor, further causes the first processor to:

provide the resource management client application to the first user device, wherein the resource management client applicant, when executed by the first user device, causes the first user device to;

display a graphical interface on a display of the first user device;

prompt the user to enter authentication credentials to access the resource management server;

generate a log of user inputs through the graphical interface; and

send the authentication credentials and the log of user inputs to the resource management server.

4. The system of claim 3, wherein the log of user inputs comprises mouse cursor positions, touchscreen inputs, key strokes, or time accessing a particular interface of the resource management client application.

5. The system of claim 3, wherein sending the authentication credentials and the log of user inputs to the resource management server comprises establishing a secure communication link between the first user device and the resource management server.

6. A computer program product for identifying, pooling, and managing resources, comprising a non-transitory computer-readable storage medium having computer executable instructions for:

receiving, from a first user device, resource data associated with a first resource;

extracting and determining attributes of the first resource and a first user from the resource data;

based on the attributes of the first resource and the first user, assigning one or more classifications to the first resource and the first user;

based on the one or more classifications of the first resource and the first user, predicting a future action of the user within a resource management client application;

sending, over a network, a future action command to the first user device to prompt the first user to complete the future action;

identifying a subset of users interested in a second resource, the subset of users comprising a second user and a third user;

sending a resource pooling command to a second plurality of user devices of the subset of users interested in the second resource, wherein the resource pooling command causes the second plurality of user devices to present a resource pooling prompt to the subset of users;

detecting that a second user and a third user have accepted the resource pooling prompt;

creating a user group, wherein the user group comprises the second user and the third user; and

transferring the second resource to the user group.

7. The computer program product of claim 6, wherein the computer executable instructions further comprise computer-readable program code portions for:

receiving authentication credentials from the second user and the third user;

querying a third party server, wherein the third party server comprises account data associated with the second user and the third user; and

receiving the account data associated with the second user and the third user from the third party server.

8. The computer program product of claim 6, wherein the computer executable instructions further comprise computer-readable program code portions for providing the resource management client application to the first user device, wherein the resource management client applicant, when executed by the first user device, causes the first user device to:

display a graphical interface on a display of the user device;

prompt the user to enter authentication credentials to access a resource management server;

generate a log of user inputs through the graphical interface; and

send the authentication credentials and the log of user inputs to the resource management server.

9. The computer program product of claim 8, wherein the log of user inputs comprises mouse cursor positions, touchscreen inputs, key strokes, or time accessing a particular interface of the resource management client application.

10. The computer program product of claim 8, wherein sending the authentication credentials and the log of user inputs to the resource management server comprises establishing a secure communication link between the first user device and the resource management server.

11. A computer-implemented method for identifying, pooling, and managing resources, said method comprising:

receiving, from a first user device, resource data associated with a first resource;

extracting and determining attributes of the first resource and a first user from the resource data;

based on the attributes of the first resource and the first user, assigning one or more classifications to the first resource and the first user;

based on the one or more classifications of the first resource and the first user, predicting a future action of the user within a resource management client application; and

sending, over a network, a future action command to the first user device to prompt the first user to complete the future action;

identifying a subset of users interested in a second resource, the subset of users comprising a second user and a third user;

sending a resource pooling command to a second plurality of user devices of the subset of users interested in the second resource, wherein the resource pooling command causes the second plurality of user devices to present a resource pooling prompt to the subset of users;

detecting that a second user and a third user have accepted the resource pooling prompt creating a user group, wherein the user group comprises the second user and the third user; and

transferring the second resource to the user group.

12. The computer-implemented method of claim 11, further comprising:

receiving authentication credentials from the second user and the third user;

querying a third party server, wherein the third party server comprises account data associated with the second user and the third user; and

receiving the account data associated with the second user and the third user from the third party server.

13. The computer-implemented method of claim 11, further comprising providing the resource management client application to the first user device, wherein the resource management client applicant, when executed by the first user device, causes the first user device to:

display a graphical interface on a display of the first user device;

prompt the user to enter authentication credentials to access a resource management server;

generate a log of user inputs through the graphical interface; and

send the authentication credentials and the log of user inputs to the resource management server.

14. The computer-implemented method of claim 13, wherein the log of user inputs comprises mouse cursor positions, touchscreen inputs, key strokes, or time accessing a particular interface of the resource management client application.

15. The computer-implemented method of claim 13, wherein sending the authentication credentials and the log of user inputs to the resource management server comprises establishing a secure communication link between the first user device and the resource management server.