Granted Patent B2

US 12,444,009 · App. 17/902,361 · Granted Oct 14, 2025

Inventors: Karen Lea MacQueen (Lyndhurst, OH); Melissa Christine Derville Hart (Cornelius, NC); Katherine Kei-Zen Dintenfass (Lincoln, RI)

Assignee: BANK OF AMERICA CORPORATION

G06Q50/205G06Q10/06398

Abstract

Claims (94)

1. A system for generating and training a module selection engine for distribution allocation, the system comprising:

a memory device with computer-readable program code stored thereon;

at least one processing device operatively coupled to the at least one memory device and the at least one communication device, wherein executing the computer-readable code is configured to cause the at least one processing device to:

receive, by the at least one processing device, a subordinate user account identifier associated with a subordinate user account;

determine, by the at least one processing device, a supervisor user account identifier associated with the subordinate user account identifier;

train a module selection engine with a set of supervisor-account-specific acceptable modules associated with the supervisor account identifier, the set of supervisor-account-specific acceptable modules comprising a plurality of modules previously indicated as acceptable by the supervisor user account for the subordinate user;

apply the trained module selection engine to the subordinate user account identifier, wherein the module selection engine determines a plurality of modules to present to the subordinate user based on the subordinate user account identifier;

generate, by the trained module selection engine, a plurality of module interface components for the subordinate user;

transmit, over a network associated with the at least one processing device, the plurality of module interface components to a supervisor user device associated with the supervisor user account identifier;

receive, in response to the transmission of the plurality of module interface components to the supervisor user device, an approval of at least one module interface component for the subordinate user;

retrain the trained module selection engine using the approved at least one module interface component;

select, by the trained module selection engine and in response to the retraining of the trained module selection engine, at least one updated module interface component;

transmit, over a network associated with the at least one processing device, at least one updated module interface component to a subordinate user device associated with the subordinate user account identifier, wherein the at least one updated module interface component configures a graphical user interface of the subordinate user device associated with the subordinate user account;

and

determine a plurality of module completion statuses for each module of the at least one updated module interface component, wherein the plurality of module completion statuses comprise data associated with a plurality of interactions by the subordinate user account with the at least one updated module interface component.

2. The system of claim 1 , wherein the at least one processing device is further configured to:

collect the set of supervisor-account-specific acceptable modules associated with the supervisor account identifier, the set of supervisor-account-specific acceptable modules comprising a plurality of modules previously indicated as acceptable by the supervisor user account;

create a first training set comprising the collected set of supervisor-account-specific acceptable modules; and

train the module selection engine in a first stage using the first training set at a first instance.

3. The system of claim 2 , wherein the at least one processing device is further configured to:

create a second training set for a second stage of training comprising the first training set and a set of general acceptable modules; and

train the module selection engine in a second stage using the second training set.

4. The system of claim 3 , wherein the at least one processing device is further configured to:

generate, by the trained module selection engine, a plurality of engagement levels of user accounts, wherein the plurality of engagement levels are based on a plurality of secondary user accounts;

determine, by the trained module selection engine, a plurality of module set templates where each module set template is associated with an engagement level of the plurality of engagement levels;

assign a specific-engagement level of the plurality of engagement levels to a supervisor user account associated with the supervisor user account identifier;

determine an engagement-type module set template for the supervisor user account based on the specific-engagement level; and

transmit an engagement-type module set template to the supervisor user account.

5. The system of claim 1 , wherein the at least one processing device is further configured to:

determine, based on tracking the plurality of subordinate user account interactions, whether an activity-based module of the plurality of modules is completed by the subordinate user,

wherein, in the instance where the subordinate user account has completed the activity-based module of the plurality of modules, automatically transmit a resource distribution from the supervisor user account to the subordinate user account, the resource distribution comprising a pre-determined distribution determined by the supervisor user account.

6. The system of claim 1 , wherein the at least one processing device is further configured to:

determine, based on tracking the plurality of subordinate user account interactions, whether a transfer-based module of the plurality of modules is completed by the subordinate user,

wherein, in the instance where the subordinate user account has completed a transfer-based module of the plurality of modules, automatically transmit a transfer-based resource distribution from the subordinate user account to a transfer-based account associated with the transfer-based module.

7. The system of claim 1 , wherein the at least one processing device is further configured to:

generate, by the trained module selection engine, a plurality of module set templates, wherein each module set template of the plurality of module set templates comprises a plurality of modules that are selected based on an intended module result.

8. The system of claim 1 , wherein the at least one processing device is further configured to:

receive, from a supervisor user account associated with the supervisor user account identifier, a plurality of pre-selected module set templates;

apply the trained module selection engine to the plurality of pre-selected module set templates; and

generate, by the trained module selection engine, a plurality of module set templates.

9. The system of claim 1 , wherein the at least one processing device is further configured to:

generate, by the module selection engine, a plurality of timestamps for the transmission of the plurality of module interface components to the user device associated with the subordinate user account.

10. A computer program product for generating and training a module selection engine for distribution allocation, wherein the computer program product comprises at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions which when executed by a processing device are configured to cause the processing device to:

receive, by the at least one processing device, a subordinate user account identifier associated with a subordinate user account;

determine, by the at least one processing device, a supervisor user account identifier associated with the subordinate user account identifier;

train a module selection engine with a set of supervisor-account-specific acceptable modules associated with the supervisor account identifier, the set of supervisor-account-specific acceptable modules comprising a plurality of modules previously indicated as acceptable by the supervisor user account for the subordinate user;

apply the trained module selection engine to the subordinate user account identifier, wherein the module selection engine determines a plurality of modules to present to the subordinate user based on the subordinate user account identifier;

generate, by the trained module selection engine, a plurality of module interface components for the subordinate user;

transmit, over a network associated with the at least one processing device, the plurality of module interface components to a supervisor user device associated with the supervisor user account identifier;

receive, in response to the transmission of the plurality of module interface components to the supervisor user device, an approval of at least one module interface component for the subordinate user;

retrain the trained module selection engine using the approved at least one module interface component;

select, by the trained module selection engine and in response to the retraining of the trained module selection engine, at least one updated module interface component;

transmit, over a network associated with the at least one processing device, the at least one updated module interface component to a subordinate user device associated with the subordinate user account identifier, wherein the at least one updated module interface component configures a graphical user interface of the subordinate user device associated with the subordinate user account;

and

determine a plurality of module completion statuses for each module of the at least one updated module interface component, wherein the plurality of module completion statuses comprise data associated with a plurality of interactions by the subordinate user account with the at least one updated module interface component.

11. The computer program product of claim 10 , wherein the processing device is further configured to cause the processing device to:

determine, based on tracking the plurality of subordinate user account interactions, whether an activity-based module of the plurality of modules is completed by the subordinate user,

wherein, in the instance where the subordinate user account has completed the activity-based module of the plurality of modules, automatically transmit a resource distribution from the supervisor user account to the subordinate user account, the resource distribution comprising a pre-determined distribution determined by the supervisor user account.

12. The computer program product of claim 10 , wherein the processing device is further configured to cause the processing device to:

determine, based on tracking the plurality of subordinate user account interactions, whether a transfer-based module of the plurality of modules is completed by the subordinate user,

wherein, in the instance where the subordinate user account has completed a transfer-based module of the plurality of modules, automatically transmit a transfer-based resource distribution from the subordinate user account to a transfer-based account associated with the transfer-based module.

13. The computer program product of claim 10 , wherein the processing device is further configured to cause the processing device to:

generate, by the trained module selection engine, a plurality of module set templates, wherein each module set template of the plurality of module set templates comprises a plurality of modules that are selected based on an intended module result.

14. The computer program product of claim 10 , wherein the processing device is further configured to cause the processing device to:

receive, from a supervisor user account associated with the supervisor user account identifier, a plurality of pre-selected module set templates;

apply the trained module selection engine to the plurality of pre-selected module set templates; and

generate, by the trained module selection engine, a plurality of module set templates.

15. The computer program product of claim 10 , wherein the processing device is further configured to cause the processing device to:

generate, by the trained module selection engine, a plurality of timestamps for the transmission of the approved at least one module interface component to the user device associated with the subordinate user account.

16. A computer-implemented method for generating and training a module selection engine for distribution allocation, the computer-implemented method comprising:

receiving, by the at least one processing device, a subordinate user account identifier associated with a subordinate user account;

determining, by the at least one processing device, a supervisor user account identifier associated with the subordinate user account identifier;

training a module selection engine with a set of supervisor-account-specific acceptable modules associated with the supervisor account identifier, the set of supervisor-account-specific acceptable modules comprising a plurality of modules previously indicated as acceptable by the supervisor user account for the subordinate user;

applying the trained module selection engine to the subordinate user account identifier, wherein the module selection engine determines a plurality of modules to present to the subordinate user based on the subordinate user account identifier;

generating, by the trained module selection engine, a plurality of module interface components for the subordinate user;

transmitting, over a network associated with the at least one processing device, the plurality of module interface components to a supervisor user device associated with the supervisor user account identifier;

receiving, in response to the transmission of the plurality of module interface components to the supervisor user device, an approval of at least one module interface component for the subordinate user;

retraining the trained module selection engine using the approved at least one module interface component;

selecting, by the trained module selection engine and in response to the retraining of the trained module selection engine, at least one updated module interface component;

transmitting, over a network associated with the at least one processing device at least one updated module interface component to a subordinate user device associated with the subordinate user account identifier, wherein the at least one updated module interface component configures a graphical user interface of the subordinate user device associated with the subordinate user account;

and

determine a plurality of module completion statuses for each module of the at least one updated module interface component, wherein the plurality of module completion statuses comprise data associated with a plurality of interactions by the subordinate user account with the at least one updated module interface component.

17. The computer-implemented method of claim 16 , the computer-implemented method further comprising:

determining, based on tracking the plurality of subordinate user account interactions, whether an activity-based module of the plurality of modules is completed by the subordinate user,

wherein, in the instance where the subordinate user account has completed the activity-based module of the plurality of modules, automatically transmit a resource distribution from the supervisor user account to the subordinate user account, the resource distribution comprising a pre-determined distribution determined by the supervisor user account.

18. The computer-implemented method of claim 16 , the computer-implemented method further comprising:

determining, based on tracking the plurality of subordinate user account interactions, whether a transfer-based module of the plurality of modules is completed by the subordinate user,

wherein, in the instance where the subordinate user account has completed a transfer-based module of the plurality of modules, automatically transmit a transfer-based resource distribution from the subordinate user account to a transfer-based account associated with the transfer-based module.

19. The computer-implemented method of claim 16 , the computer-implemented method further comprising:

generating, by the trained module selection engine, a plurality of module set templates, wherein each module set template of the plurality of module set templates comprises a plurality of modules that are selected based on an intended module result.

20. The computer-implemented method of claim 16 , the computer-implemented method further comprising:

receiving from a supervisor user account associated with the supervisor user account identifier, a plurality of pre-selected module set templates;

applying the module selection engine to the plurality of pre-selected module set templates; and

generating, by the module selection engine, a plurality of module set templates.

Assignments (1)

Continuity (1)

References Cited (32)