Multi-Source Resource Aggregation for Distribution Request Processing

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Existing resource distribution systems consume significant computing and network resources when handling denied distribution requests, as users often need to attempt multiple source distributions to complete a transaction, leading to inefficient use of resources.

Innovation Solution

A system that allows for the aggregation of resources from multiple sources associated with a user, enabling the distribution of requested resources from the most suitable source, thereby reducing the need for repeated requests and conserving resources.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If the system checks only a single source for resource distribution, then the distribution request can be processed quickly, but the request may be denied when the source does not have enough resources, consuming computing and network resources

Engineering Contradiction:
Improvedistribution request processing speedVSAvoiddistribution request success rate
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The system performs preliminary actions by checking multiple sources for available resources before denying a distribution request. Instead of checking one source and potentially denying the request, the system proactively checks other sources associated with the user account in advance, determining resource availability across multiple sources before making a final decision, thereby reducing denied requests and improving success rate

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system merges the resource checking process across multiple sources by aggregating resource availability information from different sources associated with the user account. The resource management entity combines data from multiple sources to determine if sufficient resources exist anywhere in the user's resource portfolio, enabling a more reliable distribution decision while maintaining efficient processing

Inventive Principle:
Principle #5Merging (Combining)

2Reliability

If the system checks multiple sources for resource availability, then the distribution success rate improves, but the processing time and computational complexity increase

Engineering Contradiction:
Improvedistribution request success rateVSAvoidresource checking system complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The resource management entity performs multiple functions: it manages individual source resources, checks availability across multiple sources, aggregates resource information, and makes distribution decisions. By making the resource management entity universal and multi-functional, the system handles multiple sources through a single coordinated process rather than requiring separate complex systems for each source, thereby improving success rate without proportionally increasing overall system complexity

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

3Reliability

If users submit multiple distribution requests from different sources, then the likelihood of successful distribution increases, but computing and network resources are consumed repeatedly

Engineering Contradiction:
Improveresource distribution completionVSAvoidcomputing and network resource consumption
Core Design Contradiction:
ReliabilityVSLoss of energy

Solution Approach 1:

The system merges multiple distribution attempts into a single coordinated process. Instead of allowing separate distribution requests from multiple sources that would each consume computing and network resources independently, the resource management entity consolidates the checking and decision-making process, evaluating all potential sources in one operation and executing a single successful distribution, thereby reducing resource consumption while maintaining high completion rates

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS11528234B2System for utilizing resources from multiple sources to complete a resource distribution
Publication Date: 2022.12.13 BANK OF AMERICA CORP
  • US11528234B2 patent drawing
  • US11528234B2 patent drawing
  • US11528234B2 patent drawing

AI summary

Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.