Aggregated Resource Transfer Allocation Using ML and User Confirmation

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Solution Overview

Problem

Conventional resource transfer systems struggle to efficiently allocate portions of aggregated resource transfers among multiple users in a distributed network, often requiring individual accounting without assurance of proper administration, leading to additional burden on entities involved.

Innovation Solution

A system and method for dynamic allocation of aggregated resource transfers using machine learning models to identify and allocate portions of resource transfers among users, with user interfaces for confirmation and approval, and image capturing techniques to determine and visualize allocations.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If conventional resource transfer systems use individual accounting for each user, then allocation accuracy is maintained, but administrative burden and complexity increase significantly

Engineering Contradiction:
Improveallocation accuracyVSAvoidadministrative burden
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The system segments the aggregated resource transfer into distinct allocation portions for each user by analyzing image data and applying machine learning models. This segmentation enables accurate individual accounting while automating the allocation process, thereby reducing administrative burden while maintaining precision.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system performs self-service allocation by automatically processing image data, applying machine learning models to determine resource portions, and generating allocations without requiring manual intervention. This eliminates the need for complex administrative processes while maintaining accurate allocation.

Inventive Principle:
Principle #25Self-service

2Productivity

If machine learning models are deployed to automatically allocate resource transfers, then productivity and efficiency improve, but measurement and detection difficulty increases

Engineering Contradiction:
Improveallocation efficiencyVSAvoidallocation determination complexity
Core Design Contradiction:
ProductivityVSDifficulty of detecting and measuring

Solution Approach 1:

The system replaces manual mechanical accounting processes with machine learning models that automatically analyze image data and determine resource allocations. This substitution increases productivity while the structured approach to image analysis keeps measurement complexity manageable.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system introduces image data as an intermediary medium between the aggregated resource transfer and individual user allocations. The machine learning model processes this intermediate image data to automatically determine allocations, improving efficiency while providing a clear measurement basis.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Reliability

If user interfaces with actionable objects are provided for allocation confirmation, then reliability and user control improve, but device complexity and operation time increase

Engineering Contradiction:
Improveallocation confirmationVSAvoiduser interaction complexity
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system implements feedback mechanisms through user interfaces that display allocation results and provide actionable objects for users to confirm, modify, or reject allocations. This feedback loop ensures reliability and user control while the automated presentation of allocation data simplifies the interaction process.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS12578998B2Methods and systems for dynamic allocation of aggregated resource transfers in a distributed network
Publication Date: 2026.03.17 BANK OF AMERICA CORP
  • US12578998B2 patent drawing
  • US12578998B2 patent drawing
  • US12578998B2 patent drawing

AI summary

Systems, methods, and computer program products are provided herein for dynamic allocation of aggregated resource transfers in a distributed network. An example method includes receiving resource transfer record data and determining that the resource transfer record data is indicative of an aggregated resource transfer associated with at least a first user and a second user. The method further includes generating first allocation data associated with the first user and generating second allocation data associated with the second user. The method also includes dynamically modifying the resource transfer record data based upon the first allocation data and the second allocation data. A user interface providing a visual representation of the first and second allocation data may be provided so as to provide for user interaction with this data.