IP Library Granted Patent US 10,853,774
Granted Patent B2
US 10,853,774 · App. 15/286,094 · Granted Dec 1, 2020

Data transfer control based on connected device usage analysis

Inventors: Garima Aggarwal (Toronto, CA); Jonathan K. Barnett (Oakville, CA); Roisin Lara Fritz (Toronto, CA); Robert Kyle Miller (Mississauga, CA); Paul Mon-Wah Chan (Markham, CA); John Jong-Suk Lee (Waterloo, CA); Orin DelVecchio (Richmond Hill, CA)
Assignee: The Toronto-Dominion Bank
G06Q20/102G06Q20/085G06Q20/145G06Q20/40
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Quick Facts
Patent No.
US 10,853,774
App. No.
15/286,094
Filed
Oct 5, 2016
Granted
Dec 1, 2020
Kind
B2
Art Unit
3692
USPC
705/40
Abstract

The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.

Claims (51)

1. A system comprising:

at least one processor;

a non-transitory computer-readable storage medium coupled to the at least one processor and storing expected usage amounts associated with network-connected devices and programming instructions for execution by the at least one processor, the programming instructions instruct the at least one processor to:

load, from the computer-readable storage medium, an expected usage amount for a plurality of network-connected devices, wherein the expected usage amount for the plurality of network-connected devices is associated with a time period, the time period comprises a budgetary period, the plurality of network-connected devices are associated with at least one bill for the budgetary period, and each bill is associated with a cost of usage corresponding to the actual usage amounts of the connected devices in the plurality of network-connected devices;

obtain, from at least one data source, information relating to a future event;

predict, based on a correlation between the future event and usage of at least one network-connected device in the plurality of network-connected devices, a potential change in an expected usage amount for the at least one network-connected device in the plurality of network-connected devices;

based on the predicted potential change in the expected usage amount for the at least one network-connected device in the plurality of network-connected devices, automatically generate a modified expected usage amount for the plurality of network-connected devices;

receive, from the plurality of network-connected devices, signals representing actual usage amounts associated with the plurality of network-connected devices;

compare the actual usage amounts to the modified expected usage amounts for the plurality of network-connected devices;

determine that the actual usage amounts are higher than the modified expected usage amounts for the plurality of network-connected devices;

in response to a determination that the actual usage amounts are larger than the modified expected usage amounts for the plurality of network-connected devices, automatically perform operational modifications to one or more network-connected devices in the plurality of network-connected devices, comprising:

identify a non-essential network-connected device in the plurality of network-connected devices; and

transmit instructions to the identified non-essential network-connected device to cause a delay in use of the identified non-essential network-connected device until a predetermined time; and

allocate funds to a holding account associated with the at least one bill, the allocated funds corresponding to the actual usage amounts, wherein the allocated funds are to be automatically disbursed from the holding account to perform payment of the bills in response to the authorization of the at least one payment-related action associated with the plurality of network-connected devices, wherein funds remaining in the holding account after the automatic disbursement are automatically transferred to a savings or retirement account or are maintained in the holding account for the next budgetary period, wherein the funds allocated to the holding account in the next budgetary period are reduced by an amount corresponding to the funds remaining in the holding account after the automatic disbursement.

2. The system of claim 1 , the programming instructions further instructing the at least one processor to generate a notification of the actual usage amount exceeding the modified expected usage amount in response to determining that the actual usage exceeds the modified expected usage amount.

3. The system of claim 1 , the programming instructions further instructing the at least one processor to, in response to determining that the actual usage amount is higher than the modified expected usage amount:

determine at least one action to reduce the actual usage amount in the next time period; and

present the at least one determined action to reduce the actual usage amount to a user associated with the plurality of network-connected devices.

4. The system of claim 1 , wherein the operational modification comprises an operational modification causing a reduction in energy usage.

5. The system of claim 4 , where the operational modification causing the reduction in energy usage further comprises a reduction in a power level used by the identified non-essential network-connected device.

6. The system of claim 1 , wherein the predetermined time is a time associated with a lower energy cost.

7. The system of claim 1 , wherein the at least one data source comprises at least one of an electronic calendar of a customer associated with the at least one network-connected device, a weather forecast, information associated with an upcoming season of weather, or historical information on usage during previous times corresponding to the future time period.

8. The system of claim 6 , wherein the potential change in the expected usage amount is associated with a potential change in the costs of the expected usage amount in a future time period, and wherein the potential change in costs is based on a change in costs associated with using the at least one network-connected device, wherein the at least one data source comprises a futures market for a commodity related to the costs associated with using the at least one network-connected device or a rate change by a provider associated with the costs associated with using the at least one network-connected device.

9. The system of claim 1 , wherein the identified non-essential network-connected device comprises a network-connected device whose operation is not time-sensitive.

10. A computerized method performed by at least one processor, the method comprising:

loading, from a computer-readable storage medium, an expected usage amount for a plurality of network-connected devices, wherein the expected usage amount for the plurality of network-connected devices is associated with a time period, the time period comprises a budgetary period, the plurality of network-connected devices are associated with at least one bill for the budgetary period, and each bill is associated with a cost of usage corresponding to the actual usage amounts of the connected devices in the plurality of network-connected devices;

obtaining, from at least one data source, information relating to a future event;

predicting, based on a correlation between the future event and usage of at least one network-connected device in the plurality of network-connected devices, a potential change in an expected usage amount for the at least one network-connected device in the plurality of network-connected devices;

based on the predicted potential change in the expected usage amount for the at least one network-connected device in the plurality of network-connected devices, automatically generating a modified expected usage amount for the plurality of network-connected devices;

receiving, from the plurality of network-connected devices, signals representing actual usage amounts associated with the plurality of network-connected devices from at least one network-connected device in the at least one group of network-connected devices;

comparing the actual usage amounts to the modified expected usage amounts for the plurality of network-connected devices;

determining that the actual usage amounts are higher than the modified expected usage amounts for the plurality of network-connected devices;

in response to a determination that the actual usage amounts are larger than the modified expected usage amounts for the plurality of network-connected devices, automatically performing operational modifications to one or more network-connected devices in the plurality of network-connected devices, comprising:

identifying a non-essential network-connected device in the plurality of network-connected devices; and

transmitting instructions to the identified non-essential network-connected device to cause a delay in use of the identified non-essential network-connected device until a predetermined time; and

instructing the at least one processor to allocate funds to a holding account associated with the at least one bill, the allocated funds corresponding to the actual usage amounts, wherein the allocated funds are to be automatically disbursed from the holding account to perform payment of the bills in response to the authorization of the at least one payment-related action associated with the plurality of network-connected devices, wherein funds remaining in the holding account after the automatic disbursement are automatically transferred to a savings or retirement account or are maintained in the holding account for the next budgetary period, wherein the funds allocated to the holding account in the next budgetary period are reduced by an amount corresponding to the funds remaining in the holding account after the automatic disbursement.

11. The method of claim 10 , wherein the operational modification comprises an operational modification causing a reduction in energy usage associated with the at least one network-connected device.

12. A non-transitory computer-readable storage medium coupled to the at least one processor and storing expected usage amounts associated with connected devices and programming instructions for execution by the at least one processor, the programming instructions instruct the at least one processor to:

load an expected usage amount for plurality of network-connected devices, wherein the expected usage amount for the plurality of network-connected devices is associated with a time period, the time period comprises a budgetary period, the plurality of network-connected devices are associated with at least one bill for the budgetary period, and each bill is associated with a cost of usage corresponding to the actual usage amounts of the connected devices in the plurality of network-connected devices;

obtain, from at least one data source, information relating to a future event;

predict, based on a correlation between the future event and usage of at least one network-connected device in the plurality of network-connected devices, a potential change in an expected usage amount for the at least one network-connected device in the plurality of network-connected devices;

based on the predicted potential change in the expected usage amount for the at least one network-connected device in the plurality of network-connected devices, automatically generate a modified expected usage amount for the plurality of network-connected devices;

receive, from the plurality of network-connected devices, signals representing actual usage amounts associated with the plurality of network-connected devices;

compare the actual usage amounts to the modified expected usage amount for the plurality of network-connected devices;

determine that the actual usage amounts are larger than the modified expected usage amounts for the plurality of network-connected devices;

in response to a determination that the actual usage amounts are higher than the modified expected usage amounts for the plurality of network-connected devices, automatically perform operational modifications to one or more network-connected devices in the plurality of network-connected devices, comprising:

identify a non-essential network-connected device in the plurality of network-connected devices; and

transmit instructions to the identified non-essential network-connected device to cause a delay in use of the identified non-essential network-connected device until a predetermined time; and

allocate funds to a holding account associated with the at least one bill, the allocated funds corresponding to the actual usage amounts, wherein the allocated funds are to be automatically disbursed from the holding account to perform payment of the bills in response to the authorization of the at least one payment-related action associated with the plurality of network-connected devices, wherein funds remaining in the holding account after the automatic disbursement are automatically transferred to a savings or retirement account or are maintained in the holding account for the next budgetary period, wherein the funds allocated to the holding account in the next budgetary period are reduced by an amount corresponding to the funds remaining in the holding account after the automatic disbursement.

13. The medium of claim 12 ,

wherein the operational modification comprises an operational modification causing a reduction in energy usage associated with the at least one network-connected device.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 3, 2018
From: AGGARWAL, GARIMA; BARNETT, JONATHAN K.; FRITZ, ROISIN LARA; MILLER, ROBERT KYLE; CHAN, PAUL MON-WAH; LEE, JOHN JONG-SUK; DEL VECCHIO, ORIN
To: THE TORONTO-DOMINION BANK
Reel/Frame 047051/0289 →
Continuity (2)
Provisional Application 62247951 · Oct 29, 2015
Related Publication 20170124541A1 · May 4, 2017