Granted Patent B1

US 12,632,309 · App. 19/274,175 · Granted May 19, 2026

Inventors: Michael Draayer (Sioux Falls, SD); Stephanie G. Smith (Sioux Falls, SD); Shankar Ramachandran (Frisco, TX)

Assignee: Citibank, N.A.

G06F9/5038G06F9/5061

Abstract

Claims (117)

1 . A system for transmitting resources based on time intervals, the system comprising:

one or more processors; and

one or more memories configured to store instructions that, when executed by the one or more processors, perform operations comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, (i) a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed and (ii) a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

responsive to a user transfer of resources, automatically causing an update to the first subset of the set of resources;

generating a command for displaying the first subset of the set of resources at a remote user device;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources; and

responsive to determining that the second period of time is elapsed, automatically transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from a user storage associated with the user-linked resource token.

2 . The system of claim 1 , wherein the instructions further cause the one or more processors to perform operations comprising:

determining that the user storage associated with the user-linked resource token does not comprise any of the first subset of the set of resources; and

updating the first subset of the set of resources to include additional resources.

3 . A system comprising:

one or more processors; and

one or more memories configured to store instructions that, when executed by the one or more processors, perform operations comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, (i) a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed and (ii) a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

generating and transmitting one or more commands for displaying the first subset of the set of resources at a remote user device;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources; and

responsive to receiving, from the remote user device, a request for the final allocation of the first subset of the set of resources during the first period of time, transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from a user storage associated with the user-linked resource token.

4 . A system comprising:

one or more processors; and

one or more memories configured to store instructions that, when executed by the one or more processors, perform operations comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, (i) a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed and (ii) a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources;

responsive to determining that the second period of time is elapsed, automatically transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from a user storage associated with the user-linked resource token;

responsive to an initialization of a buffer period of time prior to elapsing of the second period of time, locking a set of configurable parameters for enabling automatic access of the user storage to prevent updates to a configurable parameter during the buffer period of time;

receiving, during the buffer period of time, a user request to update at least one of the set of configurable parameters; and

responsive to determining that the buffer period of time has elapsed, updating at least one of the set of configurable parameters according to the user request.

5 . The system of claim 4 , wherein the set of configurable parameters comprises:

an identifier for the user storage; and

an indicator indicating whether the user storage is enabled to be automatically accessed.

6 . A method for transmitting resources based on time intervals, the method comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

responsive to a user transfer of resources, automatically causing an update to the first subset of the set of resources;

generating a command for displaying the first subset of the set of resources;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources; and

responsive to determining that the second period of time is elapsed, automatically transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from a user storage associated with the user-linked resource token.

7 . The method of claim 6 , further comprising:

determining that the user storage associated with the user-linked resource token does not comprise at least the portion of the first subset of the set of resources; and

updating the first subset of the set of resources to include additional resources.

8 . The method of claim 6 , further comprising determining a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed.

9 . A method comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, (i) a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed and (ii) a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

generating and-transmitting one or more commands for displaying the first subset of the set of resources at a remote user device;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources; and

responsive to receiving, from the remote user device, a request for the final allocation of the first subset of the set of resources during the first period of time, transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from user storage associated with the user-linked resource token.

10 . A method comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, (i) a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed and (ii) a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources;

responsive to determining that the second period of time is elapsed, automatically transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from a user storage associated with the user-linked resource token;

responsive to an initialization of a buffer period of time prior to elapsing of the second period of time, locking a set of configurable parameters for enabling automatic access of the user storage to prevent updates to a configurable parameter during the buffer period of time;

receiving, during the buffer period of time, a user request to update at least one of the set of configurable parameters; and

responsive to determining that the buffer period of time has elapsed, updating at least one of the set of configurable parameters according to the user request.

11 . The method of claim 10 , wherein the set of configurable parameters comprises:

an identifier for the user storage; and

an indicator indicating whether the user storage is enabled to be automatically accessed.

12 . One or more non-transitory, computer-readable storage media storing instructions that when executed by one or more processors cause the one or more processors to perform operations comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

responsive to a user transfer of resources, automatically causing an update to the first subset of the set of resources;

generating a command for displaying the first subset of the set of resources;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources; and

responsive to determining that the second period of time is elapsed, automatically transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from a user storage associated with the user-linked resource token.

13 . The one or more non-transitory, computer-readable storage media of claim 12 , wherein the instructions further cause the one or more processors to perform operations comprising:

determining that the user storage associated with the user-linked resource token does not comprise at least the portion of the first subset of the set of resources; and

updating the first subset of the set of resources to include additional resources.

14 . The one or more non-transitory, computer-readable storage media of claim 12 , wherein the instructions further cause the one or more processors to perform operations comprising:

determining a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed.

15 . One or more non-transitory, computer-readable storage media, storing instructions, that when executed by one or more processors, further cause the one or more processors to perform operations comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, (i) a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed and (ii) a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

generating and-transmitting one or more commands for displaying the first subset of the set of resources at a remote user device;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources; and

responsive to receiving, from the remote user device, a request for the final allocation of the first subset of the set of resources during the first period of time, transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from user storage associated with the user-linked resource token.

16 . One or more non-transitory, computer-readable storage media, storing instructions, that when executed by one or more processors, cause the one or more processors to perform operations comprising:

receiving a plurality of requests for intermediate allocation of a set of resources as a proxy for a user during a first period of time, wherein each request in the plurality of requests comprises (a) a corresponding target entity to receive different portions of the intermediate allocation and (b) a user-linked resource token;

determining, from the set of resources, (i) a first subset of the set of resources for which a final allocation of resources from the user is requested when the first period of time is elapsed and (ii) a second subset of the set of resources for which the final allocation of resources is not requested when the first period of time is elapsed;

transferring, during the first period of time, the set of resources to one or more target entities at one or more corresponding entity-associated storages;

receiving, during a second period of time occurring after the first period of time, a message from a first target entity indicating a return of at least a portion of the intermediate allocation from an entity-associated storage to the user-linked resource token;

updating the set of resources to remove at least the portion of the intermediate allocation returned by the first target entity;

calculating an updated first subset of resources based on the set of resources by removing one or more resources;

responsive to determining that the second period of time is elapsed, automatically transmitting a resource allocation command configured to trigger the final allocation of resources of the updated first subset of resources by causing transmission of resources from a user storage associated with the user-linked resource token;

responsive to an initialization of a buffer period of time prior to elapsing of the second period of time, locking a set of configurable parameters for enabling automatic access of the user storage to prevent updates to a configurable parameter during the buffer period of time;

receiving, during the buffer period of time, a user request to update at least one of the set of configurable parameters; and

responsive to determining that the buffer period of time has elapsed, updating at least one of the set of configurable parameters according to the user request.

17 . The one or more non-transitory, computer-readable storage media of claim 16 , wherein the set of configurable parameters comprises:

an identifier for the user storage; and

an indicator indicating whether the user storage is enabled to be automatically accessed.

Assignments (1)

References Cited (39)