Auxiliary Source Retainer for Secondary Resource Allocation

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Solution Overview

Problem

Existing resource distribution systems face inefficiencies when users provide more tangible resources than required, leading to management challenges for secondary resources, and entities must request additional resources from other entities, consuming significant computing and financial resources.

Innovation Solution

A system that determines the total resource amount, allocates secondary resources to an auxiliary source retainer associated with an auxiliary resource distribution instrument, preventing unwanted secondary resource distribution to users and conserving resources by managing these resources within the system.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Quantity of substance

If users provide more tangible resources than required for resource distribution, then the entity receives excess resources, but the entity faces management challenges and must request additional resources from other entities, consuming significant computing and financial resources

Engineering Contradiction:

Improveamount of resourcesVSAvoidresource management complexity

Core Design Contradiction:

Quantity of substanceVSDevice complexity

Solution Approach 1:

The patent segments resources into primary tangible resources and secondary tangible resources. Primary resources are distributed to users as needed, while secondary resources are retained in a source retainer for future use. This segmentation allows the system to manage excess resources efficiently without requiring complex real-time distribution decisions for all resource types.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary allocation of secondary resources to an auxiliary source retainer associated with the user's auxiliary resource distribution instrument. This preliminary action prevents the need for future requests for additional resources, as the auxiliary retainer is pre-funded with secondary resources that can be automatically deployed when needed.

Inventive Principle:

Principle #10Preliminary action

2Ease of operation

If the entity provides secondary tangible resources to users, then users receive complete resource packages, but the entity loses control over secondary resources and must continuously request more from other entities

Engineering Contradiction:

Improveresource distribution easeVSAvoidcomputing and financial resources

Core Design Contradiction:

Ease of operationVSLoss of energy

Solution Approach 1:

The patent introduces an auxiliary source retainer as an intermediary between the entity's source retainer and the user's primary resource distribution. This intermediary holds secondary resources in reserve and can automatically allocate them to users when needed, eliminating the need for the entity to continuously request resources from external sources while maintaining ease of resource distribution.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system enables self-service by allowing the auxiliary source retainer to automatically allocate secondary resources to users based on pre-established parameters. This automated self-service mechanism eliminates the need for manual intervention or external resource requests, reducing both computing and financial resource consumption while maintaining operational ease.

Inventive Principle:

Principle #25Self-service

3Reliability

If the entity retains secondary tangible resources, then resources are available for future use, but the system requires complex allocation mechanisms to manage auxiliary retainers

Engineering Contradiction:

Improveresource availabilityVSAvoidallocation mechanism complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent creates a universal auxiliary source retainer system that can serve multiple users and multiple future distribution events. The auxiliary retainer is designed to handle various resource allocation scenarios automatically, providing a multi-functional solution that maintains resource availability without requiring separate complex allocation mechanisms for each user or event type.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS11755968B2System for intelligent allocation of resources over multiple events into an auxiliary source retainer

Publication Date: 2023.09.12 BANK OF AMERICA CORP

AI summary

Systems, computer program products, and methods are described herein for intelligent allocation of resources over multiple events into an auxiliary source retainer. The present invention may be configured to determine a total amount of resources for a resource distribution between an entity and a user and receive input indicating that the user provided a transferred amount of tangible resources to the entity. The present invention may be further configured to determine a difference between the transferred amount and the total amount, where the difference includes a primary amount of resources corresponding to primary tangible resources and a secondary amount of resources corresponding to secondary tangible resources. The present invention may be further configured to allocate, from a source retainer associated with the entity, the secondary amount of resources to an auxiliary source retainer associated with an auxiliary resource distribution instrument provided by the user.