Distribution Frequency Monitoring for Resource Misappropriation Alerts

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Solution Overview

Problem

Existing systems struggle to accurately determine resource misappropriation in electronic networks, as they cannot confirm whether resource distribution requests are made voluntarily by the user or coerced, leading to security and accuracy issues.

Innovation Solution

A system that receives and stores user interaction frequency data, compares it against predetermined thresholds, and generates alerts when interactions exceed defined limits, ensuring secure and efficient detection of misappropriation.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual monitoring of resource distribution requests is used, then security can be maintained through human review, but the process becomes time-consuming and resource-intensive

Engineering Contradiction:
ImprovesecurityVSAvoidtime-consuming
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent replaces manual monitoring (mechanical human review) with an automated system that uses communication devices to receive requests, stores them in memory, and processes them through computational logic. The system automatically compares distribution frequencies against thresholds and generates alerts, eliminating the need for continuous human intervention while maintaining security.

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

Solution Approach 2:

The system enables self-service by automatically monitoring and detecting suspicious patterns without requiring manual input. The communication device autonomously receives requests, the memory device stores them, and the processing logic independently evaluates frequency thresholds and generates alerts, creating a self-sufficient security monitoring system.

Inventive Principle:
Principle #25Self-service

2Measurement precision

If continuous monitoring of all user interactions is implemented, then misappropriation detection accuracy improves, but computing resources are consumed

Engineering Contradiction:
Improvedetection accuracyVSAvoidcomputing resources
Core Design Contradiction:
Measurement precisionVSUse of energy by moving object

Solution Approach 1:

The patent changes the monitoring parameter from continuous analysis of all interaction details to tracking the frequency of distribution requests. By focusing on the frequency parameter and comparing it against predetermined thresholds, the system achieves effective misappropriation detection while consuming fewer computing resources than continuous detailed analysis would require.

Inventive Principle:
Principle #35Parameter changes

Solution Approach 2:

The system extracts only the essential information needed for detection—the frequency of distribution requests—storing this in memory and using it for threshold comparison. This extraction approach avoids processing unnecessary data while maintaining detection effectiveness, thereby conserving computing resources.

Inventive Principle:
Principle #2Taking out (Extraction)

3Productivity

If automated frequency threshold comparison is used, then processing speed increases, but system complexity increases

Engineering Contradiction:
Improveprocessing speedVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent segments the security monitoring function into distinct components: a communication device for receiving requests, a memory device for storing interaction data, and processing logic for frequency comparison. This segmentation allows each component to perform its specific function efficiently, increasing processing speed while managing complexity through modular design.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system uses universal components (communication device, memory device, processor) that can handle multiple tasks. The same infrastructure that receives and stores data also performs the frequency comparison and alert generation, reducing the need for specialized hardware and managing system complexity while maintaining high processing speed.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS12621320B2Systems, methods, and apparatuses for determining resource misappropriation based on distribution frequency in an electronic network
Publication Date: 2026.05.05 BANK OF AMERICA CORP
  • US12621320B2 patent drawing
  • US12621320B2 patent drawing
  • US12621320B2 patent drawing

AI summary

Systems, computer program products, and methods are described herein for determining resource misappropriation based on distribution frequency. The present disclosure is configured to receive, from a plurality of resource distribution devices, a user interaction frequency, wherein the user interaction frequency comprises a plurality of user interactions over a predetermined time period, and wherein each of the plurality of user interactions comprises a resource distribution request from an account associated with a user; store the plurality of user interactions; compare the user interaction frequency with a user frequency threshold, wherein the user frequency threshold comprises a predetermined user interaction threshold over the predetermined time period; determine, based on the user frequency threshold, whether the user interaction frequency meets or exceeds the user frequency threshold; and generate, based on the user interaction frequency meeting or exceeding the user frequency threshold, an alert interface component.