Methods and systems for transferring a resource

Abstract

There is provided a method of transferring a resource from one or more source repositories to one or more destination repositories. The method includes a resource allocation gateway (RAG) receiving allocation parameters including an identity indicator and a quantity indicator, generating one or more allocation indicators based on one or more of the identity indicator and the quantity indicator, and receiving transfer parameters for transferring the resource between the source repositories and the destination repositories. The method also includes sending from the RAG to a transfer gateway the allocation indicators and the transfer parameters. The transfer gateway may transfer the resource from the source repositories to the destination repositories based on the allocation indicators and the transfer parameters. Moreover, the method includes receiving at the RAG from the transfer gateway a transfer completion indicator, and outputting a confirmation of transfer based on the transfer completion indicator.

Description

METHODS AND SYSTEMS FOR TRANSFERRING A RESOURCECROSS-REFERENCE TO RELATED APPLICATION

[0001] This application claims the benefit of and priority from United States Provisional Patent Application No. 63 / 611 ,630, filed on December 18, 2023, which is incorporated herein by reference in its entirety.FIELD

[0002] The present specification relates to methods and systems for transferring a resource, and in particular to methods and systems for transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource.BACKGROUND

[0003] Functions and processes may use, or be powered by, various types of resources. Such resources may be held or stored in one or more repositories.SUMMARY

[0004] According to an aspect of the present specification, there is provided a method of transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource, the method comprising: receiving at a resource allocation gateway (RAG) allocation parameters comprising an identity indicator and a quantity indicator; generating at the RAG one or more allocation indicators based on one or more of the identity indicator and the quantity indicator; receiving at the RAG transfer parameters for transferring the resource between the source repositories and the destination repositories; sending from the RAG to a transfer gateway the allocation indicators and the transfer parameters, the transfer gateway to transfer the resource fromthe one or more source repositories to the one or more destination repositories based on the allocation indicators and the transfer parameters; receiving at the RAG from the transfer gateway a transfer completion indicator; and outputting a confirmation of transfer based on the transfer completion indicator; and wherein: the combined number of the source repositories and the destination repositories is at least three.

[0005] The method may further comprise: receiving at the RAG one or more source credentials for accessing the one or more source repositories of the resource; receiving at the RAG one or more destination credentials for accessing the one or more destination repositories of the resource; and sending from the RAG to the transfer gateway the source credentials and the destination credentials.

[0006] The method may further comprise: before the sending from the RAG to the transfer gateway the allocation indicators and the transfer parameters, receiving at the RAG an electronic allocation initiation indicator; and wherein: the sending from the RAG to the transfer gateway the allocation indicators and the transfer parameters may comprise sending from the RAG to the transfer gateway the allocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

[0007] The allocation indicators may comprise: identities of the one or more source repositories and the one or more destination repositories; and corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository; the generating at the RAG the one or more allocation indicators based on the identity indicator and the quantity indicator may comprise generating at the RAG: the identities of the one or more source repositories and destination repositories based on the identity indicator; and the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository based on the quantity indicator; and the sending from the RAG to the transfer gateway the allocation indicators and the transfer parameters may comprise sending from the RAG to the transfer gateway the identities, the corresponding quantities of the resource to betransferred out of each source repository and transferred into each destination repository, and the transfer parameters.

[0008] The transfer parameters may comprise one or more of time, speed, cost, and place associated with the transfer.

[0009] The transfer parameters may further comprise a method associated with the transfer, the method determined based on one or more of the time, the speed, the cost, and the place associated with the transfer.

[0010] The method may further comprise: generating at the RAG a prediction of a given transfer from the one or more source repositories to the one or more destination repositories; comparing at the RAG the prediction with the transfer completion indicator to determine whether the given transfer has been completed; and generating at the RAG a transfer omission indicator if the transfer completion indicator does not indicate that the given transfer has been completed.

[0011] The method may further comprise: receiving at the RAG supplementary information associated with a target transfer from the one or more source repositories to the one or more destination repositories; storing the supplementary information in a supplementary information repository being a computer readable storage medium; generating at the RAG a link to the supplementary information stored in the supplementary information repository; and sending from the RAG to the transfer gateway the link, the link to enable a recipient of the target transfer to access the supplementary information via the link.

[0012] According to another aspect of the present specification there is provided a resource allocation gateway (RAG) for transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource, the RAG comprising: a memory to store allocation parameters and transfer parameters for transferring the resource between the source repositories and the destinationrepositories; a processor in communication with the memory, the processor to: receive the allocation parameters comprising an identity indicator and a quantity indicator; generate one or more allocation indicators based on one or more of the identity indicator and the quantity indicator; receive the transfer parameters; send to a transfer gateway the allocation indicators and the transfer parameters, the transfer gateway to transfer the resource from the one or more source repositories to the one or more destination repositories based on the allocation indicators and the transfer parameters; receive from the transfer gateway a transfer completion indicator; and output a confirmation of transfer based on the transfer completion indicator; and wherein: the combined number of the source repositories and the destination repositories is at least three.

[0013] The processor may be further to: receive one or more source credentials for accessing the one or more source repositories of the resource; receive one or more destination credentials for accessing the one or more destination repositories of the resource; and send to the transfer gateway the source credentials and the destination credentials.

[0014] The processor may be further to: before the sending to the transfer gateway the allocation indicators and the transfer parameters, receive an electronic allocation initiation indicator; and wherein: the processor may be to send to the transfer gateway the allocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

[0015] The allocation indicators may comprise: identities of the one or more source repositories and the one or more destination repositories; and corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository; to generate the one or more allocation indicators based on the identity indicator and the quantity indicator the processor may be to generate: the identities of the one or more source repositories and destination repositories based on the identity indicator; and the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository based onthe quantity indicator; and to send to the transfer gateway the allocation indicators and the transfer parameters the processor may be to send to the transfer gateway the identities, the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository, and the transfer parameters.

[0016] The transfer parameters may comprise one or more of time, speed, cost, and place associated with the transfer.

[0017] The transfer parameters may further comprise a method associated with the transfer, the method determined based on one or more of the time, the speed, the cost, and the place associated with the transfer.

[0018] The processor may be further to: generate a prediction of a given transfer from the one or more source repositories to the one or more destination repositories; compare the prediction with the transfer completion indicator to determine whether the given transfer has been completed; and generate a transfer omission indicator if the transfer completion indicator does not indicate that the given transfer has been completed.

[0019] The processor may be further to: receive supplementary information associated with a target transfer from the one or more source repositories to the one or more destination repositories; store the supplementary information in a supplementary information repository being a computer readable storage medium; generate a link to the supplementary information stored in the supplementary information repository; and send to the transfer gateway the link, the link to enable a recipient of the target transfer to access the supplementary information via the link.

[0020] According to yet another aspect of the present specification there is provided a non-transitory computer-readable storage medium (CRSM) comprising instructions for transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource, the instructions executable by a processor,the instructions to cause the processor to: receive allocation parameters comprising an identity indicator and a quantity indicator; generate one or more allocation indicators based on one or more of the identity indicator and the quantity indicator; receive transfer parameters for transferring the resource between the source repositories and the destination repositories; send to a transfer gateway the allocation indicators and the transfer parameters, the transfer gateway to transfer the resource from the one or more source repositories to the one or more destination repositories based on the allocation indicators and the transfer parameters; receive from the transfer gateway a transfer completion indicator; and output a confirmation of transfer based on the transfer completion indicator; and wherein: the combined number of the source repositories and the destination repositories is at least three.

[0021] The instructions may be to further cause the processor to: receive one or more source credentials for accessing the one or more source repositories of the resource; receive one or more destination credentials for accessing the one or more destination repositories of the resource; and send to the transfer gateway the source credentials and the destination credentials.

[0022] The instructions may be to further cause the processor to: before the sending to the transfer gateway the allocation indicators and the transfer parameters, receive an electronic allocation initiation indicator; and wherein: the processor may be to send to the transfer gateway the allocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

[0023] The allocation indicators may comprise: identities of the one or more source repositories and the one or more destination repositories; and corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository; to generate the one or more allocation indicators based on the identity indicator and the quantity indicator the instructions may be to cause the processor to generate: the identities of the one or more source repositories and destination repositories based on the identity indicator; and the corresponding quantities of theresource to be transferred out of each source repository and transferred into each destination repository based on the quantity indicator; and to send to the transfer gateway the allocation indicators and the transfer parameters the instructions may be to cause the processor to send to the transfer gateway the identities, the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository, and the transfer parameters.

[0024] The transfer parameters may comprise one or more of time, speed, cost, and place associated with the transfer.

[0025] The transfer parameters may further comprise a method associated with the transfer, the method determined based on one or more of the time, the speed, the cost, and the place associated with the transfer.

[0026] The instructions may be to further cause the processor to: generate a prediction of a given transfer from the one or more source repositories to the one or more destination repositories; compare the prediction with the transfer completion indicator to determine whether the given transfer has been completed; and generate a transfer omission indicator if the transfer completion indicator does not indicate that the given transfer has been completed.

[0027] The instructions may be to further cause the processor to: receive supplementary information associated with a target transfer from the one or more source repositories to the one or more destination repositories; store the supplementary information in a supplementary information repository being a computer readable storage medium; generate a link to the supplementary information stored in the supplementary information repository; and send to the transfer gateway the link, the link to enable a recipient of the target transfer to access the supplementary information via the link.BRIEF DESCRIPTION OF THE DRAWINGS

[0028] In the drawings, identical reference numbers identify similar elements or acts. The sizes and relative positions of elements in the drawings are not necessarily drawn to scale. For example, the shapes of various elements and angles are not necessarily drawn to scale, and some of these elements are arbitrarily enlarged and positioned to improve drawing legibility. Further, the particular shapes of the elements as drawn are not necessarily intended to convey any information regarding the actual shape of the particular elements, and have been solely selected for ease of recognition in the drawings.

[0029] Fig. 1 shows a flowchart of an example method of transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource, in accordance with a non-limiting implementation of the present specification.

[0030] Fig. 2 shows an example system, in accordance with a non-limiting implementation of the present specification.

[0031] Fig. 3 shows a block diagram of an example resource allocation gateway, in accordance with a non-limiting implementation of the present specification.

[0032] Fig. 4 shows a block diagram of an example computer-readable storage medium, in accordance with a non-limiting implementation of the present specification.DETAILED DESCRIPTION

[0033] In the following description, certain specific details are set forth in order to provide a thorough understanding of various disclosed implementations. However, one skilled in the relevant art will recognize that implementations may be practiced without one or more of these specific details, or with other methods, components, materials, and the like. In other instances, well-known structures associated with light sources have notbeen shown or described in detail to avoid unnecessarily obscuring descriptions of the implementations.

[0034] Unless the context requires otherwise, throughout the specification and claims which follow, the word “comprise” and variations thereof, such as, “comprises” and “comprising” are to be construed in an open, inclusive sense, that is as “including, but not limited to.”

[0035] As used in this specification and the appended claims, the singular forms “a,” “an,” and “the” include plural referents unless the content clearly dictates otherwise. It should also be noted that the term “or” is generally employed in its broadest sense, that is as meaning “and / or” unless the content clearly dictates otherwise.

[0036] The headings and Abstract of the Disclosure provided herein are for convenience only and do not interpret the scope or meaning of the implementations.

[0037] Resources that are used in, or power, various functions or processes may be held or stored in various repositories. In the course of performing the functions or processes, the resources may need to be redistributed between the repositories. For example, in a multiple-microgrid electrical generation and distribution system, each microgrid or other grid subcomponent may have electrical storage with different levels of charge. Examples of such electrical storage may include batteries, and the like. In the course of operating this electrical system, electrical charge may need to be redistributed between the various electrical storage components in the electrical system.

[0038] Similarly, some multi-component data storage or computing systems may have multiple data storage or computing components. Examples of such data storage or computing systems may include data centers, distributed or cloud computing systems, and the like. In some examples, such a computing system may have multiple computer- readable storage media, or memory components, each with a different level of free and used storage capacity. Moreover, in some examples, such computing systems may alsohave multiple data processing components, such as central processing units (CPUs) and graphical processing units (GPUs), each of which may have different levels of used and free computing bandwidth. During the course of operating these computing systems, it may be desirable to redistributed data stored among the storage components, or computing bandwidth among the data processing components.

[0039] Furthermore, in some examples, the resource may comprise digital representations of a currency stored in various accounts. Examples of such currency may include fiat currency, digital or cryptocurrency, and the like. It is also contemplated that in some examples, the resource may comprise alternate types of “currency” such as rewards or loyalty points, video game currency, and the like. In the course of managing such accounts, it may be desirable to redistribute currency between the various accounts.

[0040] In some examples, the resource may comprise a resource that is an electronic or digital resource. Moreover, in some examples, the resource may comprise a resource that has a digital or electronic representation. Redistributing such resources among multiple repositories may involve multi-legged transfers. Examples of such multi-legged transfers may include transferring from one source repository to multiple destination repositories, transferring from multiple source repositories to one destination repository, and transferring from multiple source repositories to multiple destination repositories. Such multi-legged transfers may become complex, and time and resource intensive. In particular, when such multi-legged transfers need to be repeated often or regularly, the complexity and resource intensity becomes magnified.

[0041] To address the challenges of such multi-legged transfers, Fig. 1 shows an example method 100 for transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource. Figs. 2 and 3 show an example resource allocation gateway (RAG) 205, which may be used to perform method 100 and the other methods described herein. Fig. 2 also shows a schematic representation of a system 200 within which method 100 and the other methods described herein may be implemented.

[0042] Turning now to Fig. 1 , at box 105 allocation parameters may be received at a resource allocation gateway (RAG). These allocation parameters may comprise an identity indicator and a quantity indicator. In some examples, the identity indicator may generally relate to the identity of the source and destination repositories that are to be involved in the transfer of the resource. Moreover, the quantity indicator may generally relate to the amount, if any, of the resource that is to be transferred out of each of the source repositories and into each of the destination repositories. Fig. 2 shows a schematic representation of example source repositories 220-1 to 220-n and destination repositories 225-1 to 225-m. Generically or collectively, source repositories 220-1 to 220-n may be referred to as source repositories 220, and destination repositories 225-1 to 225-m may be referred to as destination repositories 225.

[0043] At box 110, at the RAG one or more allocation indicators may be generated based on one or more of the identity indicator and the quantity indicator. In some examples, the allocation indicators may be similar to, or the same as, the allocation parameters. Moreover, in some examples, the allocation indicators may be different than the allocation parameters and generated based on those allocation parameters.

[0044] In examples where the allocation parameters directly specify which of the source and destination repositories are involved in the transfer, and the quantities to be transferred from each source repository and to each destination repositories, the allocation indicators may be similar to, or the same as, the allocation parameters. For example, in the context of an electrical system with multiple batteries, the allocation parameters may specify that two units of electrical charge are to be transferred from each of source batteries A, B, and D, and of the resulting six units of electrical charge three units of electrical charge are to be transferred to each of destination batteries X and Y. In such an example where the allocation parameters are specific as to the identity of the source and destination repositories, and the amounts of the resource out of and into each of the repositories, the allocation indicators may be similar to, or the same as, the allocation parameters.

[0045] Moreover, in some examples, the allocation parameters may not directly specify the identity of the repositories or the quantity of the resource involved in the transfer. For example, in the context of an electrical system, the allocation parameters may indicate that for each battery with a charge level in excess of ten units of charge all the charge units above ten units are to be transferred to a destination battery Z. In such an example, the RAG may generate the allocation indicators by determining which of the source batteries have charge levels above ten units of charge. The RAG may also determine the number of units of charge that are to be transferred to destination battery Z by identifying the candidate source batteries and adding up the quantity of the units of charge that each source battery has above ten units of charge.

[0046] At box 115, at the RAG transfer parameters may be received for transferring the resource between the one or more source repositories and the one or more destination repositories. In some examples, such transfer parameters may include time, speed, cost, place, and the like associated with the transfer. For example, time may indicate when the transfer should take place. In some examples, this time may comprise a date and time. Furthermore, in some examples, the initiation of the transfer may have a different trigger such as receiving a request from an operator or another system, meeting certain thresholds or trigger points related to the resource or to one or more of the source and destination repositories, and the like.

[0047] In some examples, the trigger for timing of a transfer may be based on a previous transfer. For example, in the context of an electrical system, a source battery S may “lend” some units of charge to a destination battery Z to allow battery Z to cope with peak demand. This transfer or lending of charge may be on the condition that the units of charge are transferred back to battery S after a predetermined period of time, e.g. 12 hours, or the like. In such an example, the passage of the predetermined period of time may trigger the timing for the transfer of the units of charge back from battery Z or battery S. In another example, the transfer may be a monetary loan repayment whose timing is triggered by the terms of the original loan to be repaid. For example, if a loan is to berepaid in 30 days, the methods and systems described herein may track the time and upon passage of the 30 days automatically transfer the loaned funds from the account of the loan recipient back to the account of the lender. In some examples, based on the terms of the initial loan, the automatic repayment may also include interest costs or other costs associated with the borrowing.

[0048] Moreover, in some examples, the speed may refer to how quickly the transfer from the source repositories to the destination repositories is to be completed. In examples where the cost is associated with such a transfer, the cost transfer parameter may specify what level of costs are expected or acceptable in relation to the transfer. In addition, in some examples, place may refer to the context of such a transfer. Such a context may include the context of the source or destination repositories; examples of such context may include geographical place, legal jurisdiction, and the like.

[0049] Furthermore, in some examples, the transfer parameters may include a method of accomplishing the transfer. In examples of operating an electrical system, examples of different methods of accomplishing a transfer may include routing transfers through different circuits or electrical system subcomponents. In addition, in some examples, the method of accomplishing the transfer may be determined based on one or more of the time, the speed, the cost, and the place associated with the transfer. For example, in the context of operating an electrical system, a relatively shorter or more efficient circuit for transferring electrical charges may be selected when the speed of the transfer is specified as being relatively high.

[0050] At box 120, the RAG may send to a transfer gateway the allocation indicators and the transfer parameters. The transfer gateway may be configured to transfer the resource from the one or more source repositories to the one or more destination repositories based on the allocation indicators and the transfer parameters. An example of such a gateway is shown as transfer gateway 210 in Fig. 2. In the example of operating an electrical system the transfer gateway may comprise the systems or components that physically cause the transfer of charge from the source repositories to the destinationrepositories upon receiving the allocation indicators and the transfer parameters from the RAG. Moreover, in the example of currencies, transfer gateway may comprise the systems and components that transfer the currency from the source accounts to the destination accounts upon receiving the allocation indicators and the transfer parameters from the RAG. Other examples of transfer gateways are also contemplated.

[0051] In some examples, the RAG receiving the transfer parameters and sending them to the transfer gateway may include the RAG processing the transfer parameters and sending the processed transfer parameters to the transfer gateway.

[0052] At box 125, the RAG may receive from the transfer gateway a transfer completed indicator. In some examples, the transfer gateway may generate this indicator when the transfer of the resource from the source to the destination repositories has been completed. Furthermore, at box 130, a confirmation of transfer may be output based on the transfer completed indicator. In some examples, the RAG may output the confirmation of transfer, or the RAG may cause the confirmation of transfer to be output. Moreover, in some examples, outputting the confirmation of transfer may comprise storing the confirmation in a memory (e.g. computer-readable storage medium), sending the confirmation to an output terminal, communicating the confirmation to another component or to another system, or the like. Moreover, in some examples, outputting the confirmation may comprise printing the confirmation.

[0053] In some examples where method 100 is used to address the challenges associated with multi-legged transfers, the combined number of the source repositories and the destination repositories involved in the transfer may be at least three.

[0054] In addition, in some examples, accessing the source or destination reservoirs may require credentials. As such, in some examples, method 100 may further comprise receiving at the RAG one or more source credentials for accessing the one or more source repositories, and one or more destination credentials for accessing the one or more destination repositories. In examples where the reservoirs are data storage orcomputer readable storage media (CRSM), such credentials may comprise login or other credentials for accessing the data storage or the CRSM. Furthermore, in examples where the reservoirs are accounts for currencies, such credentials may comprise account numbers and account PINs or passwords. The method may also include sending from the RAG to the transfer gateway the source credentials and the destination credentials.

[0055] Moreover, in some examples, method 100 may further comprise receiving at the RAG an electronic allocation initiation indicator. This initiation indicator may be received before sending from the RAG to the transfer gateway the allocation indicators of the transfer parameters. In some examples, this initiation indicator may comprise an electronic request received from an operator or from another system. Moreover, in some examples, this initiation indicator may be automatically triggered or generated based on allocation parameters, transfer parameters, and the like. In such examples, receipt of the allocation initiation indicator may trigger the RAG to send to the transfer gateway the allocation indicators and the transfer parameters. In other words, in such examples, the RAG may send to the transfer gateway the allocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

[0056] Furthermore, in some examples, as described above the allocation indicators may comprise identities of the one or more source repositories and the one or more destination repositories. Moreover the allocation indicators may also comprise corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository. In such examples, the RAG may generate the identities of the one or more source repositories and the destination repositories based on the identity indicator. Moreover, the RAG may also generate the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository based on the quantity indicator. In addition, in such examples, the RAG may send to the transfer gateway the identities, the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository, and the transfer parameters.

[0057] In some examples, the methods and systems described herein may also be used to detect the omission or absence of a predicted transfer. For example, method 100 may further comprise generating at the RAG a prediction of the given transfer from the one or more source repositories to the one or more destination repositories. The RAG may then compare the prediction with the transfer completion indicator to determine whether the given transfer has been completed. If the transfer completion indicator does not indicate that the given transfer has been completed, the RAG may generate a transfer commission indicator.

[0058] Moreover, in some examples, method 100 may further comprise receiving at the RAG supplementary information associated with the target transfer from the one or more source repositories to the one or more destination repositories. In some examples, the supplementary information may include information documenting, explaining, supporting, or justifying the transfer, and the like. The supplementary information may then be stored in a supplementary information repository, which repository may be a computer readable storage medium. The method may also include generating at the RAG a link to the supplementary information stored in the supplementary information repository. The RAG may then send the link to the transfer gateway. Such a link may enable the recipient of the target transfer to access the supplementary information via the link. It is contemplated that in some examples, features and functions described in relation to the link and the recipient may also be provided to a sender or source of the transfer.

[0059] In some examples, the recipient may comprise a system or system component which is or comprises the one or more destination repositories. Moreover, in some examples, the recipient may comprise a human operator who has access to the destination repositories or to the systems and components that include the destination repositories.

[0060] In addition, in some examples, the supplementary information repository may be a functional or physical component of the RAG. Moreover, in some examples, the supplementary information repository may be a functional or physical component of asystem, such as system 200, within which method 100 and the other methods described herein may be implemented. It is also contemplated that in some examples, the supplementary information repository may be a functional or physical component outside of the RAG or of system 200.

[0061] As described above, the methods and systems described herein may be applicable in a variety of contexts such as redistributing electrical charge among batteries of an electrical system, redistributing data storage and computing capacity in a data storage or computing system, redistributing currency among different accounts, and the like.

[0062] In the context of redistributing currency among different accounts, such multilegged transfers between accounts may also be referred to as sweeps. In such a context, examples of allocation parameters may include indicators of the identity of the source and destination accounts and quantity indicators. In some examples, the quantity indicator may comprise the percentage of the funds in a given account, a fixed amount of funds, upper or lower thresholds of funds, and the like. Moreover, in some examples, the identity indicator may include general instructions for which accounts are to be chosen, or a specific identification of the source or destination accounts. Examples of such general instructions may include accounts with balances above or below a threshold, accounts that have had or have not had activity within a given period of time, and the like. Based on these general instructions, the RAG may then generate allocation indicators that may include the identity of the specific source or destination accounts that are to participate in a given transfer.

[0063] Furthermore, in the context of distributing currency among different accounts and in relation to the transfer parameters, the RAG may be able to determine the speed, cost, and place of the transfer based on one another. This may be an example of the RAG processing the transfer parameters before sending them to the transfer gateway. For example, the specified speed of transfer may narrow down the methods of transfer that are to be used, which in turn may dictate the costs. For example, an e-transfer offunds may be faster than clearing a check. Conversely, specifying the costs for the transfer may also dictate the methods of transfer that may be used and their corresponding speeds.

[0064] Moreover, specific methods of transfer may be available in given places or jurisdictions, or between given places or jurisdictions. In some examples, based on the place of the transfer the RAG may be able to determine the methods of transfer available and their corresponding speeds and costs. This may be an example of the RAG processing the transfer parameters before sending them to the transfer gateway. In addition, in some examples, the RAG may make this information available to an operator, which operator in turn may send instructions to the RAG to select or specify one or more of the transfer parameters. In some examples, such an operator may comprise another system. Furthermore, in some examples, such an operator may comprise a human operator.

[0065] Furthermore, in some examples, the RAG may receive credentials for accessing one or more source and destination accounts that are to participate in the transfer of currency. Currency may also be referred to as funds. In some examples, suitable schemes such as “open banking”, and the like may be used to provide such credentials to the RAG. By obtaining the credentials and corresponding access to the source and destination accounts, the methods and systems described herein may obviate the need for obtaining credentials and access to the source and destination accounts every time the transfer is to be performed. In the case of repeated or frequent transfers involving a large number of accounts, obviating the need to obtain credentials for every account every time a transfer is performed may provide considerable savings of resources and time needed to perform the transfers.

[0066] In addition, in some examples, the methods and systems described herein may be able to predict when a given transfer is expected to take place and generate a transfer omission indicator if the given transfer does not take place as expected. In some examples, such a prediction may be based on a predetermined rule. In such examples,the prediction may also be described as a forward-looking application of the predetermined rule. For example, in the context of transferring currency between accounts, a predetermined rule may indicate that a rent payment is expected on the first day of each month. The RAG may receive or obtain this rule, and generate the transfer omission indicator if a rent payment is not received on the first day of a given month. It is also contemplated that in some examples, the prediction need not be based on a predetermined rule; for example, the prediction may be based on statistical or probabilistic methods, based on the output of a trained machine learning model or other artificial intelligence (Al) method, and the like.

[0067] In some examples, in addition to generating the transfer omission indicator, or as part of generating the transfer omission indicator, the RAG may also generate, or cause to be generated, a transfer information link to be sent to the late transferor. This transfer information link may then allow the late transferor to provide the necessary information to allow the late transfer to be completed. For example, where the late transfer is a late rent payment, the RAG may generate, or cause to be generated, a transfer information link comprising a payment information link. This link can be sent to the payor (e.g. tenant, etc.) who is late on their rent payment. The payor can then use this payment information link to provide payment information such as account number, credit card number, and the like. Once the transfer of the rent payment is completed using the payment information provided via the payment information link, a corresponding confirmation of transfer may be generated. In some examples, the confirmation of payment may also be sent to the intended recipient of the late transfer.

[0068] Moreover, in some examples where frequent or complex transfers are performed, reviewing and evaluating the correctness of the transfers may become very complex and resource intensive. An example of frequent or complex transfers may include currency sweeps that are frequent or involve many source and destination accounts. Supplementary information associated with the transfers may be used to provide documentation, explanation, or justification for the transfers, to help with reviewing and evaluating the correctness of the transfers.

[0069] In some examples, such supplementary information may be stored in a CRSM and the RAG may generate a link to this stored supplementary information. The RAG may then send the link to the transfer gateway. In some examples, the transfer gateway may make this link available to a recipient of a target transfer. It is also contemplated that in some examples, the link may be made available to the sender as well as, or instead of, the recipient. The sender and recipient may be other systems, or a human sender or recipient.

[0070] In examples where the link is made available to the recipient, the link may then allow the recipient to access the supplementary information via the link. Moreover, in some examples, this supplementary information may be non-alterable or non-erasable by the recipient, to help maintain the integrity of the supplementary information. The same features and functionality may be provided with respect to the link and the sender as well.

[0071] In the context of transfers of currency, examples of such supplementary information may include invoices, and the like. For example, if a target currency transfer comprises a wire transfer, then a link may be provided in association with the transfer to allow the recipient or the sender to access the invoice, or other documentation or explanation, of the wire transfer. In addition, in some examples, such a link may be embedded in the “notes” that are transmitted with the wire transfer. Such notes may be accessible to one or both of the recipient and the sender of the wire transfer. In some examples, the link may be a URL that, when processed by a web browser, provides access to the supplementary information.

[0072] Turning now to Fig. 2, a schematic representation is shown of example system 200, which may be used to implement method 100 and the other methods described herein. System 200 comprises RAG 205, transfer gateway 210, source repositories 220, and destination repositories 225, in communication with one another via a network 215. In some examples, network 215 may comprise a wired, wireless, or combined wired and wireless communication network. Network 215 may comprise a cellular network, asatellite network, the Internet, a local area network, a wide area network, a WiFi network, a wired or landline phone network, and the like. While Fig. 2 shows RAG 205, transfer gateway 210, and the source and destination repositories 220 and 225 in communication with one another via network 215, it is contemplated that in some examples any two or more of RAG 205, transfer gateway 210, and the source and destination repositories 220 and 225 may be able to communicate with one another directly or via one or more networks other than network 215.

[0073] Fig. 3 shows a block diagram of RAG 205. In some examples, transfer gateway 210 may comprise a processor and memory similar to those shown in Fig. 3. It is also contemplated that in some examples, the transfer gateway may have one or more components that are different than the components of RAG 205.

[0074] Turning now to Fig. 3, a block diagram is shown of example RAG 205, which comprises a memory 305 in communication with a processor 310. In some examples, RAG 205 may have the features or functionality described in relation to method 100 and the other methods described herein. Furthermore, in some examples, RAG 205 may be used to perform method 100 and the other methods described herein.

[0075] In some examples, memory 305 may include a non-transitory machine-readable storage medium that may be any electronic, magnetic, optical, or other physical storage device that stores executable instructions. The machine-readable storage medium may include, for example, random access memory (RAM), read-only memory (ROM), electrically-erasable programmable read-only memory (EEPROM), flash memory, a storage drive, an optical disc, cloud-based storage, virtualized storage, and the like. The machine-readable storage medium may be encoded with executable instructions. Memory 305 may store allocation parameters 315 and transfer parameters 320 for transferring a resource between one or more source repositories and destination repositories.

[0076] Processor 310, in turn, may include a central processing unit (CPU), a graphics processing unit (GPU), a microcontroller, a microprocessor, a processing core, a field- programmable gate array (FPGA), a virtualized processor, or similar device or module capable of executing instructions. In some examples, processor 310 may comprise a processing module or capability that may be distributed, virtualized, cloud-based, or the like. Processor 310 may be in communication with, and cooperate with, memory 305 to execute instructions.

[0077] Processor 310 may receive allocation parameters 315 comprising an identity indicator 325 and a quantity indicator 330. Moreover, processor 310 may generate one or more allocation indicators 335 based on the one or more of identity indicator 325 and quantity indicators 330. In addition, processor 310 may receive transfer parameters 320, and send to a transfer gateway allocation indicators 335 and transfer parameters 320. The transfer gateway may transfer the resource from the one or more resource repositories to the one or more destination repositories based on allocation indicators 335 and the transfer parameters 320. Processor 310 may also receive from the transfer gateway a transfer completion indicator 340. Furthermore, processor 310 may output a confirmation of transfer 345 based on transfer completion indicator 340. In some examples, the combined number of the source repositories and the destination repositories may be at least three.

[0078] In some examples, processor 310 may also receive one or more source credentials for accessing the one or more destination repositories of the source, and receive one or more destination credentials for accessing the one or more destination repositories of the source. Processor 310 may then send to the transfer gateway the source credentials and the destination credentials.

[0079] Moreover, in some examples, processor 310 may also receive an electronic allocation initiation indicator before sending the allocation indicators and the transfer parameters to the transfer gateway. Processor 310 may send to the transfer gateway theallocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

[0080] In addition, in some examples, the allocation indicators may comprise identities of the one or more source repositories and the one or more destination repositories, and corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository. In such examples, processor 310 may generate the identities of the one or more source repositories and destination repositories based on the identity indicator. Moreover, processor 310 may generate corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository based on the quantity indicator. Furthermore, processor 310 may send to the transfer gateway the identities, the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository, and the transfer parameters.

[0081] In some examples, the transfer parameters may comprise one or more of time, speed, cost, and place associated with the transfer. In addition, in some examples, the transfer parameters may further comprise a method associated with the transfer. The method may be determined based on one or more of the time, the speed, the cost, the place, and the like associated with the transfer.

[0082] Moreover, in some examples, processor 310 may also generate a prediction of a given transfer from the one or more source repositories to the one or more destination repositories. Processor 310 may also compare the prediction with the transfer completion indicator to determine whether the given transfer has been completed. Processor 310 may also generate a transfer omission indicator if the transfer completion indicator does not indicate that the given transfer has been completed.

[0083] Furthermore, in some examples, processor 310 may also receive supplementary information associated with a target transfer from the one or more source repositories to the one or more destination repositories. This supplementary informationmay be stored in a supplementary information repository. In some examples, this repository may comprise a computer readable storage medium. Processor 310 may also generate a link to the supplementary information stored in the supplementary information repository, and send the link to the transfer gateway. This link may enable the recipient of the target transfer to access the supplementary information via the link. In some examples, the link and its associated functionality may also be provided to a source or sender associated with the transfer.

[0084] As described above, the functions and features described in relation to processor 310 and RAG 205 may be similar to the corresponding functions and features described in relation to method 100 and the other methods described herein.

[0085] Turning now to Fig. 4, an example non-transitory computer-readable storage medium (CRSM) 400 is shown, which CRSM 400 comprises instructions executable by a processor. The CRSM may comprise any electronic, magnetic, optical, or other physical storage device that stores executable instructions. The functions and features of the CRSM 400 may be similar to the functions and features described in relation to the methods, systems, and RAGs described herein.

[0086] The instructions may comprise instructions 405 to cause a processor to receive allocation parameters comprising an identity indicator and a quantity indicator. The instructions may also comprise instructions 410 to cause a processor to generate one or more allocation indicators based on one or more of the identity indicator and the quantity indicator. Furthermore, the instructions may comprise instructions 415 to cause a processor to receive transfer parameters for transferring the resource between the source repositories and the destination repositories.

[0087] In addition, the instructions may comprise instructions 420 to cause a processor to send to a transfer gateway the allocation indicators and the transfer parameters. The transfer gateway may transfer the resource from the one or more source repositories to the one or more destination repositories based on the allocation indicators and thetransfer parameters. The instructions may also comprise instructions 425 to cause a processor to receive from the transfer gateway a transfer completion indicator, and instructions 430 to cause the processor to output a confirmation of transfer based on the transfer completion indicator. It is contemplated that in some examples, the combined number of the source repositories and the destination repositories may be at least three.

[0088] In some examples, the instructions may further cause the processor to receive one or more source credentials for accessing the one or more source repositories, and one or more destination credentials for accessing the one or more destination repositories of the resource. The instructions may also cause a processor to send to the transfer gateway the source credentials and the destination credentials.

[0089] Furthermore, in some examples, the instructions may also cause the processor to receive an electronic allocation initiation indicator before sending to the transfer gateway the allocation indicators and the transfer parameters. The instructions may cause the processor to send to the transfer gateway the allocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

[0090] In addition, in some examples, the allocation indicators may comprise identities of the one or more source repositories and the one or more destination repositories, and corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository. The instructions may cause the processor to generate the identities of the one or more source repositories and destination repositories based on the identity indicator, and to generate the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository based on the quantity indicator. The instructions may cause the processor to send to the transfer gateway the identities, the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository, and the transfer parameters.

[0091] In some examples, transfer parameters may comprise one or more of time, speed, cost, and place associated with the transfer. Moreover, in some examples, the transfer parameters may further comprise a method associated with the transfer. The method may be determined based on one or more of the time, the speed, the cost, and the place associated with the transfer.

[0092] Moreover, in some examples, the instructions may further cause the processor to generate a prediction of the given transfer from the one or more source repositories to the one or more destination repositories. The instructions may also cause a processor to compare the prediction with the transfer completion indicator to determine whether the given transfer has been completed. The instructions may also cause a processor to generate a transfer omission indicator if the transfer completion indicator does not indicate that the given transfer has been completed.

[0093] Furthermore, in some examples, the instructions may also cause the processor to receive supplementary information associated with the target transfer from the one or more source repositories to the one or more destination repositories. The instructions may also cause the processor to restore the supplementary information in a supplementary information repository, which repository may be a computer readable storage medium. Moreover, the instructions may cause the processor to generate a link to the supplementary information stored in the supplementary information repository, and send the link to the transfer gateway. This link may enable the recipient of the target transfer to access the supplementary information via the link. In some examples, similar functions and features associated with the link may also be provided to a source or sender associated with the transfer.

[0094] It is contemplated that in some examples, CRSM 400 may also comprise instructions to cause a processor to carry out the methods or perform the functions or features described in relation to method 100, system 200, RAG 205, and the other methods, systems, and RAGs described herein.

[0095] The methods described herein may be performed using the systems described herein. In this context, “system” includes the systems and devices described herein, including the RAGs described herein, and the like. In addition, it is contemplated that the methods described herein may be performed using systems different than the systems described herein. Moreover, the systems described herein may perform the methods described herein and may perform or execute the instructions stored in the CRSMs described herein. It is also contemplated that the systems described herein may perform functions or execute instructions other than those described in relation to the methods and CRSMs described herein.

[0096] Furthermore, the CRSMs described herein may store instructions corresponding to the methods described herein, and may store instructions which may be performed or executed by the systems described herein. Furthermore, it is contemplated that the CRSMs described herein may store instructions different than those corresponding to the methods described herein, and may store instructions which may be performed by systems other than the systems described herein.

[0097] The methods, systems, and CRSMs described herein may include the features or perform the functions described herein in association with any one or more of the other methods, systems, and CRSMs described herein.

[0098] Throughout this specification and the appended claims, infinitive verb forms are often used. Examples include, without limitation: “to receive,” “to output,” “to generate,” and the like. Unless the specific context requires otherwise, such infinitive verb forms are used in an open, inclusive sense, that is as “to, at least, receive,” to, at least, output,” “to, at least, generate,” and so on.

[0099] The above description of illustrated example implementations, including what is described in the Abstract, is not intended to be exhaustive or to limit the implementations to the precise forms disclosed. Although specific implementations of and examples are described herein for illustrative purposes, various equivalent modifications can be madewithout departing from the spirit and scope of the disclosure, as will be recognized by those skilled in the relevant art. Moreover, the various example implementations described herein may be combined to provide further implementations.

[0100] In general, in the following claims, the terms used should not be construed to limit the claims to the specific implementations disclosed in the specification and the claims, but should be construed to include all possible implementations along with the full scope of equivalents to which such claims are entitled. Accordingly, the claims are not limited by the disclosure.

Claims

CLAIMS1 . A method of transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource, the method comprising: receiving at a resource allocation gateway (RAG) allocation parameters comprising an identity indicator and a quantity indicator; generating at the RAG one or more allocation indicators based on one or more of the identity indicator and the quantity indicator; receiving at the RAG transfer parameters for transferring the resource between the source repositories and the destination repositories; sending from the RAG to a transfer gateway the allocation indicators and the transfer parameters, the transfer gateway to transfer the resource from the one or more source repositories to the one or more destination repositories based on the allocation indicators and the transfer parameters; receiving at the RAG from the transfer gateway a transfer completion indicator; and outputting a confirmation of transfer based on the transfer completion indicator; and wherein: the combined number of the source repositories and the destination repositories is at least three.

2. The method of claim 1 , further comprising: receiving at the RAG one or more source credentials for accessing the one or more source repositories of the resource; receiving at the RAG one or more destination credentials for accessing the one or more destination repositories of the resource; and sending from the RAG to the transfer gateway the source credentials and the destination credentials.

3. The method of any one of claims 1 to 2, further comprising: before the sending from the RAG to the transfer gateway the allocation indicators and the transfer parameters, receiving at the RAG an electronic allocation initiation indicator; and wherein: the sending from the RAG to the transfer gateway the allocation indicators and the transfer parameters comprises sending from the RAG to the transfer gateway the allocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

4. The method of any one of claims 1 to 3, wherein: the allocation indicators comprise: identities of the one or more source repositories and the one or more destination repositories; and corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository; the generating at the RAG the one or more allocation indicators based on the identity indicator and the quantity indicator comprises generating at the RAG: the identities of the one or more source repositories and destination repositories based on the identity indicator; and the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository based on the quantity indicator; and the sending from the RAG to the transfer gateway the allocation indicators and the transfer parameters comprises sending from the RAG to the transfer gateway the identities, the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository, and the transfer parameters.

5. The method of any one of claims 1 to 4, wherein the transfer parameters comprise one or more of time, speed, cost, and place associated with the transfer.

6. The method of claim 5, wherein the transfer parameters further comprise a method associated with the transfer, the method determined based on one or more of the time, the speed, the cost, and the place associated with the transfer.

7. The method of any one of claims 1 to 6, further comprising: generating at the RAG a prediction of a given transfer from the one or more source repositories to the one or more destination repositories; comparing at the RAG the prediction with the transfer completion indicator to determine whether the given transfer has been completed; and generating at the RAG a transfer omission indicator if the transfer completion indicator does not indicate that the given transfer has been completed.

8. The method of any one of claims 1 to 7, further comprising: receiving at the RAG supplementary information associated with a target transfer from the one or more source repositories to the one or more destination repositories; storing the supplementary information in a supplementary information repository being a computer readable storage medium; generating at the RAG a link to the supplementary information stored in the supplementary information repository; and sending from the RAG to the transfer gateway the link, the link to enable a recipient of the target transfer to access the supplementary information via the link.

9. A resource allocation gateway (RAG) for transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource, the RAG comprising:a memory to store allocation parameters and transfer parameters for transferring the resource between the source repositories and the destination repositories; a processor in communication with the memory, the processor to: receive the allocation parameters comprising an identity indicator and a quantity indicator; generate one or more allocation indicators based on one or more of the identity indicator and the quantity indicator; receive the transfer parameters; send to a transfer gateway the allocation indicators and the transfer parameters, the transfer gateway to transfer the resource from the one or more source repositories to the one or more destination repositories based on the allocation indicators and the transfer parameters; receive from the transfer gateway a transfer completion indicator; and output a confirmation of transfer based on the transfer completion indicator; and wherein: the combined number of the source repositories and the destination repositories is at least three.

10. The RAG of claim 9, wherein the processor is further to: receive one or more source credentials for accessing the one or more source repositories of the resource; receive one or more destination credentials for accessing the one or more destination repositories of the resource; and send to the transfer gateway the source credentials and the destination credentials.11 . The RAG of any one of claims 9 to 10, wherein the processor is further to:before the sending to the transfer gateway the allocation indicators and the transfer parameters, receive an electronic allocation initiation indicator; and wherein: the processor is to send to the transfer gateway the allocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

12. The RAG of any one of claims 9 to 11 , wherein: the allocation indicators comprise: identities of the one or more source repositories and the one or more destination repositories; and corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository; to generate the one or more allocation indicators based on the identity indicator and the quantity indicator the processor is to generate: the identities of the one or more source repositories and destination repositories based on the identity indicator; and the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository based on the quantity indicator; and to send to the transfer gateway the allocation indicators and the transfer parameters the processor is to send to the transfer gateway the identities, the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository, and the transfer parameters.

13. The RAG of any one of claims 9 to 12, wherein the transfer parameters comprise one or more of time, speed, cost, and place associated with the transfer.

14. The RAG of claim 13, wherein the transfer parameters further comprise a method associated with the transfer, the method determined based on one or more of the time, the speed, the cost, and the place associated with the transfer.

15. The RAG of any one of claims 9 to 14, wherein the processor is further to: generate a prediction of a given transfer from the one or more source repositories to the one or more destination repositories; compare the prediction with the transfer completion indicator to determine whether the given transfer has been completed; and generate a transfer omission indicator if the transfer completion indicator does not indicate that the given transfer has been completed.

16. The RAG of any one of claims 9 to 15, wherein the processor is further to: receive supplementary information associated with a target transfer from the one or more source repositories to the one or more destination repositories; store the supplementary information in a supplementary information repository being a computer readable storage medium; generate a link to the supplementary information stored in the supplementary information repository; and send to the transfer gateway the link, the link to enable a recipient of the target transfer to access the supplementary information via the link.

17. A non-transitory computer-readable storage medium (CRSM) comprising instructions for transferring a resource from one or more source repositories of the resource to one or more destination repositories of the resource, the instructions executable by a processor, the instructions to cause the processor to: receive allocation parameters comprising an identity indicator and a quantity indicator; generate one or more allocation indicators based on one or more of the identity indicator and the quantity indicator;receive transfer parameters for transferring the resource between the source repositories and the destination repositories; send to a transfer gateway the allocation indicators and the transfer parameters, the transfer gateway to transfer the resource from the one or more source repositories to the one or more destination repositories based on the allocation indicators and the transfer parameters; receive from the transfer gateway a transfer completion indicator; and output a confirmation of transfer based on the transfer completion indicator; and wherein: the combined number of the source repositories and the destination repositories is at least three.

18. The CRSM of claim 17, wherein the instructions are to further cause the processor to: receive one or more source credentials for accessing the one or more source repositories of the resource; receive one or more destination credentials for accessing the one or more destination repositories of the resource; and send to the transfer gateway the source credentials and the destination credentials.

19. The CRSM of any one of claims 17 to 18, wherein the instructions are to further cause the processor to: before the sending to the transfer gateway the allocation indicators and the transfer parameters, receive an electronic allocation initiation indicator; and wherein: the processor is to send to the transfer gateway the allocation indicators and the transfer parameters based on the electronic allocation initiation indicator.

20. The CRSM of any one of claims 17 to 19, wherein: the allocation indicators comprise: identities of the one or more source repositories and the one or more destination repositories; and corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository; to generate the one or more allocation indicators based on the identity indicator and the quantity indicator the instructions are to cause the processor to generate: the identities of the one or more source repositories and destination repositories based on the identity indicator; and the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository based on the quantity indicator; and to send to the transfer gateway the allocation indicators and the transfer parameters the instructions are to cause the processor to send to the transfer gateway the identities, the corresponding quantities of the resource to be transferred out of each source repository and transferred into each destination repository, and the transfer parameters.21 . The CRSM of any one of claims 17 to 20, wherein the transfer parameters comprise one or more of time, speed, cost, and place associated with the transfer.

22. The CRSM of claim 21 , wherein the transfer parameters further comprise a method associated with the transfer, the method determined based on one or more of the time, the speed, the cost, and the place associated with the transfer.

23. The CRSM of any one of claims 17 to 22, wherein the instructions are to further cause the processor to: generate a prediction of a given transfer from the one or more source repositories to the one or more destination repositories;compare the prediction with the transfer completion indicator to determine whether the given transfer has been completed; and generate a transfer omission indicator if the transfer completion indicator does not indicate that the given transfer has been completed.

24. The CRSM of any one of claims 17 to 23, wherein the instructions are to further cause the processor to: receive supplementary information associated with a target transfer from the one or more source repositories to the one or more destination repositories; store the supplementary information in a supplementary information repository being a computer readable storage medium; generate a link to the supplementary information stored in the supplementary information repository; and send to the transfer gateway the link, the link to enable a recipient of the target transfer to access the supplementary information via the link.

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