IP Library › Granted Patent US 10,785,594
Granted Patent B2
US 10,785,594 · App. 16/117,933 · Granted Sep 22, 2020

Network based resource management and allocation

Inventors: Wayne Hartman (San Antonio, TX); Nathan Mahoney (Boerne, TX); Hoang Trung Vo (San Antonio, TX); Joshua Samuel Leonard (San Antonio, TX); Michal Leighton Van Cleave (Helotes, TX); Jeffrey Young (Helotes, TX); Luke James Gradeless (San Antonio, TX); Brandon K. Esplin (San Antonio, TX)
Assignee: United Services Automobile Association (USAA)
H04W4/021G06Q20/3223G06Q20/405G06Q40/12G07F7/084
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Quick Facts
Patent No.
US 10,785,594
App. No.
16/117,933
Granted
Sep 22, 2020
Kind
B2
Abstract

An electronic system provides various features and functionality for managing resources. An alert may be sent when a mobile device crosses a geo-fence. The alert may describe how much of the resource is available for the types of transaction that are likely to occur within the geo-fence. The alert may request or confirm the allocation of the transaction to a resource pool or suggest alternative transactions.

Claims (40)

1. A method comprising:

receiving information associated with an action associated with a mobile device;

responsive to receiving the information associated with the action associated with the mobile device, determining an anticipated transaction associated with a user of the mobile device;

determining a resource of a plurality of resources to ascribe the anticipated transaction;

determining a stash of the resource of a plurality of stashes of the resource; and

replenishing, based on the anticipated transaction, the stash of the resource.

2. The method of claim 1 , wherein the action associated with the mobile device comprises at least one of a location of the mobile device, use of an application, or a purchase.

3. The method of claim 1 , wherein the determining the stash of the resource of the plurality of stashes of the resource is based on a type of the anticipated transaction.

4. The method of claim 1 , wherein the determining the stash of the resource of the plurality of stashes of the resource is based on previous transactions.

5. The method of claim 1 , wherein the determining the stash of the resource of the plurality of stashes of the resource is based on transactions of other users similar to the user.

6. The method of claim 1 , wherein the replenishing the stash of the resource comprises replenishing a balance of the stash of the resource to a predetermined amount.

7. The method of claim 1 , wherein the plurality of resources comprises at least one of memory, power, or bandwidth of a device.

8. The method of claim 1 , wherein the resource comprises a monetary resource.

9. A method comprising:

receiving information associated with an action associated with a mobile device;

responsive to receiving the information associated with the action associated with the mobile device, determining an anticipated transaction associated with a user of the mobile device;

determining a resource of a plurality of resources to ascribe the anticipated transaction;

determining a stash of the resource of a plurality of stashes of the resource; and

determining, based on the anticipated transaction, a projected remaining balance of the stash of the resource.

10. The method of claim 9 , wherein the plurality of stashes of the resource comprise at least one of a stash of the resource for work, a stash of the resource for entertainment, or a stash of the resource for education.

11. The method of claim 9 , wherein the determining the stash of the resource of the plurality of stashes of the resource is based on a balance of the stash.

12. The method of claim 9 , wherein the action associated with the mobile device comprises a proximity of the mobile device to a geo-fence.

13. The method of claim 9 , wherein the determining the stash of the resource of the plurality of stashes of the resource is based on a time of the anticipated transaction.

14. The method of claim 9 , wherein the determining the anticipated transaction is based at least on previous transactions associated with the user.

15. The method of claim 9 , further comprising determining, based on one or more characteristics, scores associated with a similarity between the user and other users; and

wherein the determining the anticipated transaction is based at least on the scores and transactions associated with the other users.

16. The method of claim 9 , further comprising transferring an amount of the resource from a second stash of the plurality of stashes of the resource to a first stash of the resource.

17. A system comprising:

a mobile device configured to transmit an indication of an action associated with the mobile device; and

a computing device in communication with the mobile device, wherein the computing device is configured to:

receive, from the mobile device, the indication of the action associated with the mobile device;

responsive to receiving the indication of the action associated with the mobile device, determine an anticipated transaction associated with a user of the mobile device;

determine a resource of a plurality of resources to ascribe the anticipated transaction; and

determine a stash of the resource of a plurality of stashes of the resource; and

replenish determine, based on the anticipated transaction, the stash of the resource.

18. The system of claim 17 , wherein the computing device is configured to determine the anticipated transaction based at least on hardware of the mobile device.

19. The system of claim 17 , wherein the indication of the action comprises at least one of an indication of movement of the mobile device.

20. The system of claim 17 , wherein the computing device is further configured to

transmit, to the mobile device, an indication of a projected remaining balance of the resource; and

wherein the computing device is configured to replenish the stash of the resource based on a response from the mobile device.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 4, 2019
From: HARTMAN, WAYNE; VAN CLEAVE, MICHAL LEIGHTON; MAHONEY, NATHAN; YOUNG, JEFFREY; VO, HOANG TRUNG; GRADELESS, LUKE JAMES; ESPLIN, BRANDON K.
To: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Reel/Frame 047903/0001 →
Continuity (3)
Continuation 15180992 · Jun 13, 2016
Provisional Application 62175260 · Jun 13, 2015
Related Publication 20180376282A1 · Dec 27, 2018