Granted Patent B2

US 12,231,350 · App. 18/381,093 · Granted Feb 18, 2025

Inventors: Mark Cabot Williams (Kennett Square, PA); Matthew Robert Gray Pitner (Alpharetta, GA); Jill Marie Moser (Louisville, KY)

Assignee: BANK OF AMERICA CORPORATION

H04L47/78

Abstract

Claims (70)

1. A system for triggering adaptive resource channel requisition within a distributed network, the system comprising:

at least one processing device; and

at least one non-transitory storage device with computer-readable program code stored thereon and accessible by the at least one processing device, wherein the computer-readable code when executed is configured to cause the at least one processing device to:

electronically receive a request to register with an adaptive resource channel requisition (ARCR) engine;

trigger a user onboarding procedural engine in response to receiving the request to register with the ARCR engine;

implement, using the user onboarding procedural engine, a sequence of protocols to register the user with the ARCR engine, wherein the sequence of protocols comprises two or more of: a pre-screening protocol, a user identity verification protocol, a user track record check protocol, a business model analysis protocol, network security screening protocol, or user exposure determination protocol;

electronically receive a resource allocation request from a user;

retrieve, from the resource allocation request, information associated with the user;

trigger the ARCR engine based on at least the information associated with the user;

retrieve, from the resource allocation request, one or more preset values associated with resource allocation request;

retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user;

implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and

authorize the resource allocation request for the one or more requisitioned values.

2. The system of claim 1 , wherein the computer-readable code, when executed, further causes the at least one processing device to:

prompt, using the user onboarding procedural engine, a request for one or more predetermined requisitions for one or more resource allocation requests;

electronically receive, from the user input device, the one or more predetermined requisitions for the one or more resource allocation requests; and

store the one or more predetermined requisitions in the requisition repository associated with the user.

3. The system of claim 2 , wherein the one or more predetermined requisitions are associated with at least a time limit, an allocation limit, and/or an implementation limit.

4. The system of claim 1 , wherein the computer-readable code, when executed, further causes the at least one processing device to:

transmit control signals configured to cause the user input device to display the one or more requisitioned values associated with the resource allocation request.

5. The system of claim 1 , wherein the computer-readable code, when executed, further causes the at least one processing device to:

electronically receive, from the user input device, one or more additional predetermined requisitions for one or more additional resource allocation requests; and

store the one or more additional predetermined requisitions in the requisition repository.

6. The system of claim 1 , wherein the computer-readable code, when executed, further causes the at least one processing device to:

retrieve, from the resource allocation request, identification information associated with the resource allocation;

query, using the ARCR engine, the requisition repository using the identification information associated with the resource allocation;

determine, using the ARCR engine, the one or more predetermined requisitions corresponding to the resource allocation request based on at least the querying; and

in response, retrieve, using the ARCR engine, the one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository.

7. The system of claim 1 , wherein the resource allocation request comprises at least a request to procure one or more resources.

8. The system of claim 7 , wherein the one or more predetermined requisition comprises at a discount, an offer, and/or a rebate associated with procurement the one or more resources.

9. The system of claim 1 , wherein the user input device is a point-of-sale (POS) device.

10. A computer program product for triggering adaptive resource channel requisition within a distributed network, the computer program product comprising a non-transitory computer-readable medium comprising code configured to cause at least one processing device to:

electronically receive a request to register with an adaptive resource channel requisition (ARCR) engine;

trigger a user onboarding procedural engine in response to receiving the request to register with the ARCR engine;

implement, using the user onboarding procedural engine, a sequence of protocols to register the user with the ARCR engine, wherein the sequence of protocols comprises two or more of a pre-screening protocol, a user identity verification protocol, a user track record check protocol, a business model analysis protocol, network security screening protocol, or user exposure determination protocol;

electronically receive a resource allocation request from a user;

retrieve, from the resource allocation request, information associated with the user;

trigger the ARCR engine based on at least the information associated with the user;

retrieve, from the resource allocation request, one or more preset values associated with resource allocation request;

retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user;

implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and

authorize the resource allocation request for the one or more requisitioned values.

11. The computer program product of claim 10 , wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to:

prompt, using the user onboarding procedural engine, a request for one or more predetermined requisitions for one or more resource allocation requests;

electronically receive, from the user input device, the one or more predetermined requisitions for the one or more resource allocation requests; and

store the one or more predetermined requisitions in the requisition repository associated with the user.

12. The computer program product of claim 11 , wherein the one or more predetermined requisitions are associated with at least a time limit, an allocation limit, and/or an implementation limit.

13. The computer program product of claim 10 , wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to:

transmit control signals configured to cause the user input device to display the one or more requisitioned values associated with the resource allocation request.

14. The computer program product of claim 10 , wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to:

electronically receive, from the user input device, one or more additional predetermined requisitions for one or more additional resource allocation requests; and

store the one or more additional predetermined requisitions in the requisition repository.

15. The computer program product of claim 10 , wherein the non-transitory computer-readable medium further comprises code configured to cause the at least one processing device to:

retrieve, from the resource allocation request, identification information associated with the resource allocation;

query, using the ARCR engine, the requisition repository using the identification information associated with the resource allocation;

determine, using the ARCR engine, the one or more predetermined requisitions corresponding to the resource allocation request based on at least the querying; and

in response, retrieve, using the ARCR engine, the one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository.

16. The computer program product of claim 10 , wherein the resource allocation request comprises at least a request to procure one or more resources.

17. The computer program product of claim 16 , wherein the one or more predetermined requisition comprises at a discount, an offer, and/or a rebate associated with procurement the one or more resources.

18. A method for triggering adaptive resource channel requisition within a distributed network, the method comprising:

electronically receiving a request to register with an adaptive resource channel requisition (ARCR) engine;

triggering a user onboarding procedural engine in response to receiving the request to register with the ARCR engine;

implementing, using the user onboarding procedural engine, a sequence of protocols to register the user with the ARCR engine, wherein the sequence of protocols comprises two or more of: a pre-screening protocol, a user identity verification protocol, a user track record check protocol, a business model analysis protocol, network security screening protocol, or user exposure determination protocol;

electronically receiving a resource allocation request from a user;

retrieving, from the resource allocation request, information associated with the user;

triggering the ARCR engine based on at least the information associated with the user;

retrieving, from the resource allocation request, one or more preset values associated with resource allocation request;

retrieving, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user;

implementing the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and

authorizing the resource allocation request for the one or more requisitioned values.

Assignments (1)

Continuity (2)

References Cited (27)