Granted Patent B2

US 12,647,420 · App. 17/584,655 · Granted Jun 2, 2026

Inventors: Ravi Vasant Acharya (Philadelphia, PA); Christopher Mark Jones (Villanova, PA); Claude Bernell Lawrence, Jr. (Philadelphia, PA)

Assignee: The Toronto-Dominion Bank

H04L63/10

Abstract

Claims (52)

1 . A computer system comprising:

a processor;

a communications module coupled to the processor; and

a memory module coupled to the processor and storing instructions that, when executed by the processor, cause the computer system to:

receive a first request to access a first borrowed resource in association with a first account, the first account being a borrowed resource account which lends resources;

in response to receiving the first request, determine that a second account that is associated with the first account, by being associated with a common entity, has access to a first owned resource corresponding to the first borrowed resource, wherein the first owned resource is an equivalent resource to the first borrowed resource and distinct from the first borrowed resource; and

in response to determining that the second account has access to the first owned resource:

allow access to the first borrowed resource via the first account; and

place a technological lock on the first owned resource, wherein the technological lock prevents use of the first owned resource while the first borrowed resource is in use.

2 . The computer system of claim 1 , wherein the first borrowed resource is one or more of a computing resource, a database resource, and a digital good having a digital rights management lock.

3 . The computer system of claim 1 , wherein the instructions, when executed by the processor, further cause the computer system to:

receive a second request to access a second borrowed resource in association with the first account;

determine that the second account does not have access to a second owned resource corresponding to the second borrowed resource; and

in response to determining that the second account does not have access to the second owned resource corresponding to the second borrowed resource:

deny the second request.

4 . The computer system of claim 1 , wherein the instructions, when executed by the processor, further cause the computer system to:

send an electronic notification to a resource usage tracking server, the electronic notification based on allowing access to the first borrowed resource via the first account.

5 . The computer system of claim 1 , wherein the instructions, when executed by the processor, further cause the computer system to:

detect occurrence of a trigger condition; and

in response to detecting occurrence of the trigger condition:

transfer at least part of the first owned resource from the second account to the first account.

6 . The computer system of claim 5 , wherein the instructions, when executed by the processor, further cause the computer system to:

send an electronic indication to a resource usage tracking server, the electronic indication based on the transfer of the at least part of the first owned resource from the second account to the first account.

7 . The computer system of claim 5 , wherein the trigger condition occurs when a quantity of resources borrowed satisfies defined criteria.

8 . The computer system of claim 5 , wherein the trigger condition occurs at a scheduled time.

9 . The computer system of claim 5 , wherein the trigger condition occurs as a result of a user-defined preference.

10 . A method comprising:

receiving a first request to access a first borrowed resource in association with a first account, the first account being a borrowed resource account which lends resources;

in response to receiving the first request, determining that a second account that is associated with the first account, by being associated with a common entity, has access to a first owned resource corresponding to the first borrowed resource, wherein the first owned resource is an equivalent resource to the first borrowed resource and distinct from the first borrowed resource; and

in response to determining that the second account has access to the first owned resource:

allowing access to the first borrowed resource via the first account; and

placing a technological lock on the first owned resource, wherein the technological lock prevents use of the first owned resource while the first borrowed resource is in use.

11 . The method of claim 10 , wherein the first borrowed resource is one or more of a computing resource, a database resource, and a digital good having a digital rights management lock.

12 . The method of claim 10 , further comprising:

receiving a second request to access a second borrowed resource in association with the first account;

determining that the second account does not have access to a second owned resource corresponding to the second borrowed resource; and

in response to determining that the second account does not have access to the second owned resource corresponding to the second borrowed resource:

denying the second request.

13 . The method of claim 10 , further comprising:

sending a report to a resource usage tracking server, the report based on allowing access to the first borrowed resource via the first account.

14 . The method of claim 10 , further comprising:

detecting occurrence of a trigger condition; and

in response to detecting occurrence of the trigger condition:

transferring at least part of the first owned resource from the second account to the first account.

15 . The method of claim 14 , further comprising:

sending an electronic indication to a resource usage tracking server, the electronic indication based on the transfer of the at least part of the first owned resource from the second account to the first account.

16 . A non-transitory computer-readable storage medium storing instructions that, when executed by a processor of a computing device, cause the computing device to:

receive a first request to access a first borrowed resource in association with a first account, the first account being a borrowed resource account which lends resources;

in response to receiving the first request, determine that a second account that is associated with the first account, by being associated with a common entity, has access to a first owned resource corresponding to the first borrowed resource, wherein the first owned resource is an equivalent resource to the first borrowed resource and distinct from the first borrowed resource; and

in response to determining that the second account has access to the first owned resource:

allow access to the first borrowed resource via the first account; and

place a technological lock on the first owned resource, wherein the technological lock prevents use of the first owned resource while the first borrowed resource is in use.

Assignments (1)

Continuity (1)

References Cited (11)