Intelligent Resource Initiation System Pre-Interaction Validation

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Solution Overview

Problem

Users often make suboptimal resource selection for interactions, leading to increased processing time and security risks due to the time-consuming and resource-intensive process of onboarding resources during interactions.

Innovation Solution

A system that identifies user location and adjacent entities to optimize resource pool selection and validation before interactions, using location determining components like GPS or NFC, and notifies users of recommended resource pools through their computer systems, shifting processing capacity and memory usage from interaction time to pre-interaction preparation.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users manually select and on-board resources during interactions, then resource selection flexibility is maintained, but processing time increases and security risks arise

Engineering Contradiction:
ImprovesecurityVSAvoidprocessing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system performs resource pool identification, validation, and selection in advance before interactions occur. Resource pools are pre-identified based on user profiles, entity information, and optimization criteria, then validated for security and compatibility. This preliminary preparation eliminates time-consuming manual selection during interactions while maintaining security through pre-validation.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system automatically performs resource pool identification, optimization, and selection without requiring user intervention. The intelligent system analyzes user needs, entity characteristics, and resource pool attributes to autonomously determine the optimal resource pool, reducing both processing time and security risks associated with manual user selection.

Inventive Principle:
Principle #25Self-service

2Measurement precision

If resource pools are identified and validated during interactions, then real-time accuracy is improved, but processing capacity and memory requirements increase

Engineering Contradiction:
Improveresource pool identification accuracyVSAvoidprocessing capacity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

Resource pool identification and validation are performed in advance before interactions occur. The system pre-processes resource pool data, validates security requirements, and prepares optimization criteria beforehand. This shifts the computational burden from interaction time to pre-interaction preparation, reducing processing capacity and memory requirements during actual interactions while maintaining identification accuracy.

Inventive Principle:
Principle #10Preliminary action

3Productivity

If users manually onboard resources for each interaction, then resource compatibility is ensured, but productivity decreases

Engineering Contradiction:
Improveinteraction completion speedVSAvoiduser effort
Core Design Contradiction:
ProductivityVSEase of operation

Solution Approach 1:

The system automatically performs resource pool identification, optimization, and selection without requiring user action. The intelligent system analyzes user profiles, entity information, and resource pool attributes to autonomously determine the optimal resource pool, eliminating manual user effort while maintaining compatibility through systematic validation.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

Resource pool compatibility validation is performed in advance before interactions occur. The system pre-verifies that identified resource pools are compatible with the user and entity, ensuring that no compatibility issues arise during the interaction itself. This preliminary validation maintains compatibility assurance while dramatically improving productivity by eliminating manual onboarding steps.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS11169849B2Intelligent resource initiation and deployment system
Publication Date: 2021.11.09 BANK OF AMERICA CORP
  • US11169849B2 patent drawing
  • US11169849B2 patent drawing
  • US11169849B2 patent drawing

AI summary

An intelligent resource initiation and deployment system is provided that identifies a location of a user, identifies entities adjacent the user based on the user location, and identifies a resource application and/or the resource pools. The invention identifies a resource pool which optimizes resource grants for the user based on the desired outcome of the user and/or the entity at which the user is located. The system further includes identifying when the resource pool is active, or what additional information is needed for the user to make the optimized resource pool active. The present invention shifts the processing capacity, memory, and processing speeds related to determination and selection of a resource pool and/or validation of the resource pool during interactions from the time of the interaction to before the interaction is even initiated.