Patent Issued for Network Based Resource Management And Allocation (USPTO 10,785,594)

2020 OCT 02 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Alexandria, Virginia, by NewsRx journalists, a patent by the inventors Hartman, Wayne (San Antonio, TX); Mahoney, Nathan (Boerne, TX); Vo, Hoang Trung (San Antonio, TX); Leonard, Joshua Samuel (San Antonio, TX); Van Cleave, Michal Leighton (Helotes, TX); Young, Jeffrey (Helotes, TX); Gradeless, Luke James (San Antonio, TX); Esplin, Brandon K. (San Antonio, TX), filed on August 30, 2018, was published online on October 5, 2020.

The assignee for this patent, patent number 10,785,594, is United Services Automobile Association (San Antonio, Texas, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “Despite the continued importance of managing personal resources (e.g., battery power, memory, etc.), there is yet to be developed an effective system of leveraging electronic capabilities to assist with multiple aspects of managing resources.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “Described herein are one or more examples that include an electronic system that provides various features and functionality for managing personal resources (e.g., battery power, memory, or money). For example, an alert may be sent when a mobile device crosses a geo-fence. The alert may describe how much of the resource is available for the types of transaction that are likely to occur within the geo-fence. The alert may request or confirm the allocation of the transaction to a resource pool or suggest alternative transactions.

“This Summary is provided to introduce a selection of concepts in a simplified form that are further described below in the Detailed Description. This Summary is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter. Furthermore, the claimed subject matter is not constrained to limitations that solve any or all disadvantages noted in any part of this disclosure.”

The claims supplied by the inventors are:

“What is claimed is:

“1. A method comprising: receiving information associated with an action associated with a mobile device; responsive to receiving the information associated with the action associated with the mobile device, determining an anticipated transaction associated with a user of the mobile device; determining a resource of a plurality of resources to ascribe the anticipated transaction; determining a stash of the resource of a plurality of stashes of the resource; and replenishing, based on the anticipated transaction, the stash of the resource.

“2. The method of claim 1, wherein the action associated with the mobile device comprises at least one of a location of the mobile device, use of an application, or a purchase.

“3. The method of claim 1, wherein the determining the stash of the resource of the plurality of stashes of the resource is based on a type of the anticipated transaction.

“4. The method of claim 1, wherein the determining the stash of the resource of the plurality of stashes of the resource is based on previous transactions.

“5. The method of claim 1, wherein the determining the stash of the resource of the plurality of stashes of the resource is based on transactions of other users similar to the user.

“6. The method of claim 1, wherein the replenishing the stash of the resource comprises replenishing a balance of the stash of the resource to a predetermined amount.

“7. The method of claim 1, wherein the plurality of resources comprises at least one of memory, power, or bandwidth of a device.

“8. The method of claim 1, wherein the resource comprises a monetary resource.

“9. A method comprising: receiving information associated with an action associated with a mobile device; responsive to receiving the information associated with the action associated with the mobile device, determining an anticipated transaction associated with a user of the mobile device; determining a resource of a plurality of resources to ascribe the anticipated transaction; determining a stash of the resource of a plurality of stashes of the resource; and determining, based on the anticipated transaction, a projected remaining balance of the stash of the resource.

“10. The method of claim 9, wherein the plurality of stashes of the resource comprise at least one of a stash of the resource for work, a stash of the resource for entertainment, or a stash of the resource for education.

“11. The method of claim 9, wherein the determining the stash of the resource of the plurality of stashes of the resource is based on a balance of the stash.

“12. The method of claim 9, wherein the action associated with the mobile device comprises a proximity of the mobile device to a geo-fence.

“13. The method of claim 9, wherein the determining the stash of the resource of the plurality of stashes of the resource is based on a time of the anticipated transaction.

“14. The method of claim 9, wherein the determining the anticipated transaction is based at least on previous transactions associated with the user.

“15. The method of claim 9, further comprising determining, based on one or more characteristics, scores associated with a similarity between the user and other users; and wherein the determining the anticipated transaction is based at least on the scores and transactions associated with the other users.

“16. The method of claim 9, further comprising transferring an amount of the resource from a second stash of the plurality of stashes of the resource to a first stash of the resource.

“17. A system comprising: a mobile device configured to transmit an indication of an action associated with the mobile device; and a computing device in communication with the mobile device, wherein the computing device is configured to: receive, from the mobile device, the indication of the action associated with the mobile device; responsive to receiving the indication of the action associated with the mobile device, determine an anticipated transaction associated with a user of the mobile device; determine a resource of a plurality of resources to ascribe the anticipated transaction; and determine a stash of the resource of a plurality of stashes of the resource; and replenish determine, based on the anticipated transaction, the stash of the resource.

“18. The system of claim 17, wherein the computing device is configured to determine the anticipated transaction based at least on hardware of the mobile device.

“19. The system of claim 17, wherein the indication of the action comprises at least one of an indication of movement of the mobile device.

“20. The system of claim 17, wherein the computing device is further configured to transmit, to the mobile device, an indication of a projected remaining balance of the resource; and wherein the computing device is configured to replenish the stash of the resource based on a response from the mobile device.”

For more information, see this patent: Hartman, Wayne; Mahoney, Nathan; Vo, Hoang Trung; Leonard, Joshua Samuel; Van Cleave, Michal Leighton; Young, Jeffrey; Gradeless, Luke James; Esplin, Brandon K. Network Based Resource Management And Allocation. U.S. Patent Number 10,785,594, filed August 30, 2018, and published online on October 5, 2020. Patent URL: http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1=10,785,594.PN.&OS=PN/10,785,594RS=PN/10,785,594

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