IP Library › Granted Patent US 12,082,069
Granted Patent B1
US 12,082,069 · App. 17/851,662 · Granted Sep 3, 2024

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
H04W4/021G06Q20/3223G06Q20/405G06Q40/12G07F7/084
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Quick Facts
Patent No.
US 12,082,069
App. No.
17/851,662
Granted
Sep 3, 2024
Kind
B1
Abstract

An electronic system provides various features and functionality for managing resources. A trigger event may be associated with a mobile device. The trigger event may be detected (e.g., based on the mobile device being within a geo-fence) and, responsive to detecting the trigger event, a resource of a plurality of resources may be determined. A stash of the resource of a plurality of stashes of the resource may be determined and the stash of the resource may be replenished based on the trigger event associated with the mobile device.

Claims (40)

1. A method comprising:

determining a trigger event associated with a mobile device;

detecting the trigger event associated with the mobile device;

responsive to detecting the trigger event, determining a resource of a plurality of resources;

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

replenishing, based on the trigger event associated with the mobile device, the stash of the resource.

2. The method of claim 1 , wherein detecting the trigger event associated with the mobile device is based on the mobile device being within a geo-fence.

3. The method of claim 1 , wherein the trigger event associated with the mobile device comprises at least one of a location of the mobile device, a movement of the mobile device, use of an application on the mobile device, a purchase made using the mobile device, or a check deposited using the mobile device.

4. The method of claim 1 , wherein the resource comprises at least one of power, memory, bandwidth, or funds.

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

6. 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 balance of one or more stashes of the plurality of stashes of the resource.

7. The method of claim 1 , wherein the trigger event associated with the mobile device comprises depositing a check using the mobile device; and

wherein the replenishing the stash of the resource comprises replenishing the stash using funds from the deposited check.

8. A computing device comprising:

one or more processors; and

memory storing instructions that, when executed by the one or more processors, causes the computing device to:

determine a trigger event associated with a mobile device;

detect the trigger event associated with the mobile device;

responsive to detecting the trigger event, determine a resource of a plurality of resources;

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

replenish, based on the trigger event associated with the mobile device, the stash of the resource.

9. The computing device of claim 8 , wherein detecting the trigger event associated with the mobile device is based on the mobile device being within a geo-fence.

10. The computing device of claim 8 , wherein the plurality of stashes are associated with different resource usage categories.

11. The computing device of claim 10 , wherein the instructions cause the computing device to determine the stash of the resource based on a resource usage category of the action associated with the mobile device and the different resource usage categories associated with the plurality of stashes.

12. The computing device of claim 8 , wherein one or more stashes of the plurality of stashes are associated with time periods; and

wherein the instructions cause the computing device to determine the stash of the resource based on a time of the trigger event associated with the mobile device and the time periods associated with the plurality of stashes.

13. The computing device of claim 8 , wherein the instructions cause the computing device to determine the trigger event associated with the mobile device based on the mobile device being within communication range of a WiFi device, or a near field communication (NFC) device, or another device.

14. The computing device of claim 8 , wherein the instructions cause the computing device to replenish the stash of the resource further based on an availability of the resource.

15. A non-transitory computer readable medium comprising instructions that, when executed, cause operations comprising:

determining a trigger event associated with a mobile device;

detecting the trigger event associated with the mobile device;

responsive to the detecting the trigger event associated with the mobile device, determining a resource of a plurality of resources;

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

replenishing, based on the trigger event associated with the mobile device, the stash of the resource.

16. The non-transitory computer readable medium of claim 15 , wherein the action associated with the mobile device comprises receiving funds via the mobile device; and

wherein the replenishing the stash of the resource comprises replenishing the stash using the funds received via the mobile device.

17. The non-transitory computer readable medium of claim 16 , wherein detecting the trigger event associated with the mobile device is based on the mobile device being within a geo-fence.

18. The non-transitory computer readable medium of claim 16 , wherein the trigger event associated with the mobile device comprises receiving, by the mobile device, a media access control (MAC) address of another device.

19. The non-transitory computer readable medium of claim 16 , wherein the resource comprises at least one of power, memory, bandwidth, or funds.

20. The non-transitory computer readable medium of claim 16 , wherein the trigger event associated with the mobile device comprises at least one of a location of the mobile device, a movement of the mobile device, use of an application on the mobile device, a purchase made using the mobile device, or a check deposited using the mobile device.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 15, 2022
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 060525/0314 →
Continuity (4)
Continuation 16992769 · Aug 13, 2020
Continuation 16117933 · Aug 30, 2018
Continuation 15180992 · Jun 13, 2016
Provisional Application 62175260 · Jun 13, 2015
Cited By (2)
US 12,363,530 US 12,579,537