Data transmission to a networked resource based on contextual information

• US 10,511,692 B2
• Filed: 06/22/2017
• Issued: 12/17/2019
• Est. Priority Date: 06/22/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Greene, Tracy Beth, Angus, Frederika Zipporah Morris, Bosin, Emily Paige, Brand, Kathleen Miranda, Burks, William Bradley, Joseph, Deepak, Ramirez, Karla, Randall, Laura Elizabeth
• Primary Examiner(s): Blair, Douglas B
• Application Number:
  US15/630,289
• Publication Number:
  US 20180375959A1
• Time in Patent Office: 908 Days
• CPC Class Codes: G06F 16/9574 of access to content, e.g. by caching
• CPC Class Codes: H04L 41/08 Configuration management of networks or network elements address allocation H04L61/50
• CPC Class Codes: H04L 41/0806 for initial configuration or provisioning, e.g. plug-and-play
• CPC Class Codes: H04L 41/0896 Bandwidth or capacity management, i.e. automatically increasing or decreasing capacities flow or congestion control using dynamic resource allocation, e.g. in-call renegotiation, H04L47/76
• CPC Class Codes: H04L 41/50 Network service management, e.g. ensuring proper service fulfilment according to agreements
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/5681 Pre-fetching or pre-delivering data based on network characteristics
• CPC Class Codes: H04L 67/60 Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources admission control or resource allocation H04L47/70
• CPC Class Codes: H04L 67/63 Routing a service request depending on the request content or context
• CPC Class Codes: H04L 69/18 Multiprotocol handlers, e.g. single devices capable of handling multiple protocols
• CPC Class Codes: H04L 69/22 Parsing or analysis of headers

Abstract

Embodiments of the present invention provide a system for transmitting data to networked resources based on extracted contextual information from said networked resources. The system gathers contextual data from devices on the network, extracts contextual information from the contextual data, and determines supplemental resources to provide to the networked devices based on the contextual information. The system may further provide an augmented reality environment to a networked device that integrates identifies objects in an image and integrates notifications of supplemental resources in the augmented reality environment.

Claims

1. A system for context-based resource prompting, the system comprising:

one or more processor components;

one or more memory components operatively coupled to the one or more processor components;

computer programmable instructions stored on the one or more memory components and configured to cause the one or more processor components to;

identify user information for a user;

receive a location of the user, wherein the location is received from a location determination device on one or more user computer systems;

access contextual data, wherein accessing the contextual data comprises accessing unprocessed data regarding the user stored on one or more entity computer systems, wherein the contextual data comprises an image;

identify in the image at least one object;

extract contextual information from the accessed contextual data;

determine, based on the location of the user, that the user is proximate to a previous interaction for which the user previously accepted supplemental resources;

identify new supplemental resources to present to the user based on the user information, the location of the user, the identified at least one object in the image, and the contextual information, wherein identifying new supplemental resources comprises communicating with third-party systems to provide new supplemental resources to the user;

transmit a notification of the new supplemental resources to the user, wherein the notification includes an indication that the user is proximate to the previous interaction and a request to the user to accept or deny the new supplemental resources, wherein the notification is integrated in the image and transmitting the notification includes transmitting the image integrated with the new supplemental resource to the user computer system;

receive a user selection to accept the new supplemental resources, wherein the user selection is received from the user computer systems; and

store the new supplemental resources as being associated with the user or a resource pool of the user.

2. The system of claim 1, wherein the computer programmable instructions stored on the one or more memory components are further configured to cause the one or more processor components to:

create a link with the user computer system;

open an augmented reality application on the user computer system, wherein the augmented reality application is configured to;

capture image data from an image capture device operatively coupled to the user computer systems;

identify a plurality of objects in the image data;

determine an identity of at least one object from the image data;

wherein identifying new supplemental resources is based on the at least one object from the image data;

indicate on a display of the user computer systems the notification of the new supplemental resources along with the at least one object.

3. The system of claim 1, wherein identifying the at least one object comprises employing optical character recognition (OCR) to identify at least one object in the image.

4. The system of claim 1, wherein the contextual data comprises an event.

5. The system of claim 4, wherein the event is determined from a user calendar, and wherein the system is further configured to:

access the user calendar, wherein the user calendar is accessed through the user computer system or an entity system.

6. The system of claim 4, wherein the event is determined from a social networking account of the user, and wherein the system is further configured to:

receive permission from the user to access the social networking account of the user; and

identify the event for which the user is interested, wherein the user is tagged for the event or the user has otherwise indicated that the user is going to the event.

7. The system of claim 1, wherein the computer programmable instructions stored on the one or more memory components are further configured to cause the one or more processor components to:

receive a request from an interaction entity to process an interaction between the interaction entity and the user, wherein the interaction is a transaction for a product;

determine that the transaction with the interaction entity meets requirements associated with the new supplemental resources that the user previously accepted;

allocate resources in a resource pool of the user for the interaction for the product with the interaction entity;

apply the new supplemental resources to the resource pool of the user after the resources from the resource pool have already been allocated; and

wherein the interaction entity is unaware that the user accepted the new supplemental resources and that the new supplemental resources have been applied to the resource pool of the user at a time the new supplemental resources are applied.

8. A computer program product for context-based resource prompting, the computer program product comprising a non-transitory computer-readable storage medium having computer-executable instructions for:

identifying user information for a user;

receiving a location of the user, wherein the location is received from a location determination device on one or more user computer systems;

accessing contextual data, wherein accessing the contextual data comprises accessing unprocessed data regarding the user stored on one or more entity computer systems, wherein the contextual data comprises an image;

identifying in the image at least one object;

extracting contextual information from the received contextual data;

determining, based on the location of the user, that the user is proximate to a previous interaction for which the user accepted previous supplemental resources;

identifying new supplemental resources to present to the user based on the user information, the location of the user, the identified at least one object in the image, and the contextual information, wherein identifying new supplemental resources comprises communicating with third-party systems to provide new supplemental resources to the user;

transmit a notification of the new supplemental resources to the user, wherein the notification includes an indication that the user is proximate to the previous interaction and a request to the user to accept or deny the new supplemental resources, wherein the notification is integrated in the image and transmitting the notification includes transmitting the image integrated with the new supplemental resource to the user computer system;

receiving a user selection to accept the new supplemental resources, wherein the user selection is received from the user computer systems; and

storing the new supplemental resources as being associated with the user or a resource pool of the user.

9. The computer program product of claim 8, wherein the non-transitory computer-readable storage medium has computer-executable instructions for:

creating a link with the user computer system;

opening an augmented reality application on the user computer system, wherein the augmented reality application is configured to;

capture image data from an image capture device operatively coupled to the user computer system;

identify a plurality of objects in the image data;

determine an identity of at least one object from the image data;

wherein identifying new supplemental resources to present to the user is based on the at least one object identified from the image data; and

indicating on a display of the user computer systems the notification of the new supplemental resources along with the at least one object.

10. The computer program product of claim 8,

wherein identifying the at least one object comprises employing optical character recognition (OCR) to identify at least one object in the image.

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

receiving a request from an interaction entity to process an interaction between the interaction entity and the user, wherein the interaction is a transaction for a product;

determining that the transaction for the product or with the interaction entity meets the requirements associated with the new supplemental resources to the resource pool of the user after the resources from the resource pool have already been allocated;

applying the new supplemental resources to the resource pool of the user after the resources from the resource pool have already been allocated; and

wherein the interaction entity is unaware that the user accepted the new supplemental resources and that the new supplemental resources have been applied to the user'"'"'s resource pool at a time the new supplemental resources are applied.

12. The computer program product of claim 8, wherein the contextual data comprises an event.

13. The computer program product of claim 12, wherein the event is determined from a user calendar, and wherein the wherein the non-transitory computer-readable storage medium has computer-executable instructions for accessing the user calendar, wherein the user calendar is accessed through the user computer system or an entity system.

14. A method for context-based resource prompting, the method comprising:

identifying, by a processor user information for a user;

receiving, by a processor, a location of the user, wherein the location is received from a location determination device on one or more user computer systems;

accessing, by a processor, contextual data, wherein accessing the contextual data comprises accessing unprocessed data regarding the user stored on one or more entity computer systems, wherein the contextual data comprises an image;

identifying, by a processor, at least one object in the image

extracting, by a processor, contextual information from the received contextual data;

determining, by a processor, based on the location of the user, that the user is proximate to a previous interaction for which the user previously accepted supplemental resources;

identifying, by a processor, new supplemental resources to present to the user based on the user information, the location of the user, the identified at least one object in the image, and the contextual information, wherein identifying new supplemental resources comprises communicating with third-party systems to provide new supplemental resources to the user;

transmit a notification of the supplemental resources to the user, wherein the notification includes an indication that the user is proximate to the previous interaction and a request to the user to accept or deny the new supplemental resources, wherein the notification is integrated in the image and transmitting the notification includes transmitting the image integrated with the new supplemental resource to the user computer system;

receiving, by a processor, a user selection to accept the new supplemental resources, wherein the user selection is received from the user computer systems; and

storing, by a processor, the new supplemental resources as being associated with the user or a resource pool of the user.

15. The method of claim 14, the method further comprising:

Creating, by a processor, a link with the user computer system;

opening, by a processor, an augmented reality application on the user computer system, wherein the augmented reality application is configured to;

capture image data from an image capture device operatively coupled to the user computer system;

identify a plurality of objects in the image data;

determine an identity of at least one object from the image data;

wherein identifying, by a processor, new supplemental resources to present to the user is based on the at least one object identified from the image data; and

indicating, by a processor, on the display of the user computer systems the notification of the new supplemental resources along with the at least one object.

16. The method of claim 15,

wherein identifying the at least one object comprises employing optical character recognition (OCR) to identify at least one object in the image data.

17. The method of claim 15, wherein the contextual data comprises an event.

18. The method of claim 17, wherein the event is determined from a user calendar, and the method further comprises accessing, by a processor, the user calendar, wherein the user calendar is accessed through the user computer system or an entity system.

19. The method of claim 14, the method further comprising:

receiving, by a processor, a request from an interaction entity to process an interaction between the interaction entity and the user, wherein the interaction is a transaction for a product;

determining, by a processor, that the transaction for the product or with the interaction entity meets the requirements associated with the new supplemental resources to the resource pool of the user after the resources from the resource pool have already been allocated;

applying, by a processor, the new supplemental resources to the resource pool of the user after the resources from the resource pool have already been allocated; and

wherein the interaction entity is unaware that the user accepted the new supplemental resources and that the new supplemental resources have been applied to the resource pool of the user at a time the new supplemental resources are applied.