US 11,991,182 B2
Optimizing resource utilization
Zheng Zhang, Raleigh, NC (US)
Assigned to TRUIST BANK, Charlotte, NC (US)
Filed by Truist Bank, Charlotte, NC (US)
Filed on Apr. 12, 2022, as Appl. No. 17/718,695.
Prior Publication US 2023/0328069 A1, Oct. 12, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06N 20/10 (2019.01)
CPC H04L 63/102 (2013.01) [G06N 20/10 (2019.01); H04L 63/08 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A system for optimizing resource utilization comprising at least one server computing device, wherein the server computing device comprises one or more integrated software applications that perform the operations comprising:
(a) receiving from a user computing device (i) a user interface transmit command, (ii) user computing device system configuration data, (iii) navigation data, and (iv) authentication data;
(b) passing the received authentication data to an identity management service that performs operations comprising
(i) verifying the user authentication data by comparing the received user authentication data against stored user authentication data,
(ii) generating an authentication notification message comprising a verification flag indicating whether the received user authentication data matched the stored user authentication data, and
(iii) passing the authentication notification message to the server computing device;
(c) passing user account data to a user resource evaluation service when the verification flag indicates the received user authentication data matched the stored user authentication data;
(d) passing the navigation data and the system configuration data to the user resource evaluation service, wherein the user resource evaluation service performs operations comprising
(i) processing the navigation data, the system configuration data, and the user account data by performing a durational analysis and a quality analysis to generate user classification data,
(ii) processing the user classification data by performing a user rating analysis to generate user rating data,
(iii) comparing the user rating data against a user rating threshold,
(iv) processing resource initialization parameter data and the navigation data, the system configuration data, and the user account data by performing an acceptance analysis to generate resource initialization data, and
(v) passing the resource initialization data to the server computing device; and
(e) generating resource initialization display data by processing the resource initialization data, wherein
(i) the resource initialization display data comprises instructions for displaying both the resource initialization data and a resource utilization function on a graphical user interface of the user computing device, and wherein
(ii) selecting the resource initialization function causes the user computing device to display an account application user interface that accepts user inputs to initialize an end user account.