Patent Publication Number: US-2018040015-A1

Title: System for resource allocation and conservation of unused portion

Description:
BACKGROUND 
     Systems for providing a person with rewards for engaging in desired commercial transactions are known where a person may receive rewards such as loyalty points, cash-back, rebates, price discounts and the like for using an entities products or services. For example a retailer may provide price discounts when a loyalty card is presented at the time of purchase, an airline may offer redeemable points or miles when a flight is purchased, a credit card provider may offer a cash-back reward when the credit card is used. The person must track, account for and remember to use such rewards where the rewards originate from a wide variety of independent sources, provide different types of rewards on different terms and conditions and are redeemable under a wide variety of circumstances and time frames. As a result, even where such rewards are earned the rewards are often not allocated appropriately and unused rewards may be lost. 
     BRIEF SUMMARY 
     In some embodiments a resource allocation and conservation system comprises a network communication interface and a memory device storing a resource allocation and conservation application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: receive a user resource data based on a user resource activity from a third party system associated with one of a plurality of independent third parties; and update a user record in the memory device with a user resource based on the user resource data and allocate the resource. 
     In one embodiment “resource” means a user benefit developed as a result of a user transaction with a third party or developed as a result of the user&#39;s relationship with a financial institution. Examples of a user benefit are discounts, cash back rewards, loyalty program points, price reductions or the like. A user resource generating activity may be a transaction such as the purchase of services or goods, the use of a credit card or the like. The user resource may be received at the time of the user resource activity. The user resource comprising a monetary payment may be swept into a user designated account. The user record may be accessible via a user device. The user record may track progress toward a predefined goal. The user resource may comprise points and the user record may comprise a tally of accumulated points and the processing device may receive an accounting of redeemed points from the third party system. 
     In some embodiments a method for allocating and conserving resources comprises: receiving user resource data based on a user resource activity from a third party system associated with one of a plurality of independent third parties; and updating a user record in the memory device with a user resource based on the user resource data and allocating the resource by tallying and or sweeping the user resource. 
     The user resource activity may comprise a financial transaction with the third party. The method may further comprise receiving the user resource at the time of the transaction. The user resource may comprise a user benefit including at least one of monetary payment, a rebate, a discount, a reward, and a point. The user resource may comprise a monetary payment and the method may further comprise including sweeping the monetary payment into a user designated account. The method may comprise further receiving a request for the user record from a user device. The user resource may be tracked for progress toward a predefined goal. The user resource may comprise a saved amount and the method may further comprise sweeping a monetary amount from a first user account into a second designated user account where the monetary amount is equal to the saved amount. The user resource may comprise points and the method may further comprise tallying accumulated points in the user record and receiving an accounting of redeemed points from the third party system. 
     In some embodiments a resource allocation and conservation system comprises a network communication interface and a memory device storing a resource allocation and conservation application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: receive user resource data in a secured message, the user resource data based on a user resource activity from a third party system associated with one of a plurality of independent third parties; and allocate a user resource based on the user resource data to tally and/or sweep the user benefit. The user resource activity may relate to a transaction with the third party where the transaction generates the user resource. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a block diagram illustrating the environment of a system for resource allocation and conservation, in accordance with embodiments of the invention. 
         FIG. 2  is a block diagram illustrating the mobile computing device of  FIG. 1 , in accordance with embodiments of the invention. 
         FIG. 3  is a block diagram illustrating the personal computing device of  FIG. 1 , in accordance with embodiments of the invention. 
         FIG. 4  is a block diagram illustrating the financial institution system of  FIG. 1 , in accordance with embodiments of the invention. 
         FIG. 5  is a block diagram illustrating the third party system of  FIG. 1 , in accordance with embodiments of the invention 
         FIG. 6  is a schematic diagram and flowchart illustrating the arrangement of a system and method for resource allocation and conservation, in accordance with embodiments of the invention. 
         FIGS. 7 and 8  show a flowchart useful for illustrating a method for resource allocation and conservation, in accordance with embodiments of the invention. 
     
    
    
     DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION 
     Embodiments of the present invention will now be described more fully hereinafter with reference to the accompanying drawings, in which some, but not all, embodiments of the invention are shown. Indeed, the invention may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will satisfy applicable legal requirements. Where possible, any terms expressed in the singular form herein are meant to also include the plural form and vice versa, unless explicitly stated otherwise. Also, as used herein, the term “a” and/or “an” shall mean “one or more,” even though the phrase “one or more” is also used herein. Furthermore, when it is said herein that something is “based on” something else, it may be based on one or more other things as well. In other words, unless expressly indicated otherwise, as used herein “based on” means “based at least in part on” or “based at least partially on.” Like numbers refer to like elements throughout. 
     In accordance with embodiments of the invention, the terms “financial institution” and “financial entity” include any organization that processes financial transactions including, but not limited to, banks, credit unions, savings and loan associations, investment companies, stock brokerages, asset management firms, insurance companies and the like. 
       FIG. 1  provides a block diagram illustrating an environment  100  for a system for resource allocation at time of use and conservation of unused portion, in accordance with an embodiment of the invention. As illustrated in  FIG. 1 , the environment  100  includes a user  110  where the user represents a customer having a relationship with at least one but typically more than one entity such as a financial institution. A user of the system may be a person, but may also be a business or any other entity. In a typical environment a great number of users may access the system of the invention. The environment further includes a third party  112  where the third party  112  may comprise any person, business or other entity. In one embodiment the third party  112  may be a business such as a retail establishment, service provider, financial institution, or the like, including on-line and/or “brick and mortar” establishments, that has a relationship with the user  110 . The third party  112  may have an ongoing relationship with the user by means of a customer loyalty program, subscription service or the like or it may have a transactional relationship with the user where the relationship is based on periodic transactions. The third party  112  also has a relationship with the entity such as a financial institution  114  where the third party  112  has an agreement with that entity to allocate user resources, such as benefits related to a transaction with the user, to the entity based on rules established between the third party and the entity as will hereinafter be described. 
     The environment  100  also may include at least one and in a typical case a plurality of user devices  120  accessible by the users  110 . The user devices  120  may comprise any machine, apparatus, system or the like that may be connected to and communicate over network  150 . At least one of the user devices may comprise a computing device for use by the user  110 . The computing device may be any device that employs a processor and memory and can perform computing functions, such as a personal computing device  300  or a mobile device  200 , that may be connected to or access network  150 . The personal computing devices  300  may comprise a personal computer such as a desk top computer, lap top computer, tablet or any type of personal computing device that may be connected to a network by landline or wireless access such as wireless local area network (WLAN) such as WiFi based on the Institute of Electrical and Electronics Engineers&#39; (IEEE) 802.11 standards, Bluetooth short-wavelength UHF radio waves in the ISM band from 2.4 to 2.485 GHz or other wireless access technology. As used herein, the mobile devices  200  may comprise any mobile communication device, such as a cellular telecommunications device (i.e., a cell phone or mobile phone), personal digital assistant (PDA), a mobile Internet accessing device, or other mobile device. A mobile device may connect to the network by a cellular telecommunications network or by WiFi, Bluetooth or other access technology. In some embodiments where, for example, the user  110  is an institution the user devices  120  may comprise servers, access terminals, or the like. 
     The user devices  120  may be configured to communicate over network  150  with at least one entity system such as financial institution system  400  of an entity such as a financial institution  114 . The network  150  may include a local area network (LAN), a wide area network (WAN), and/or a global area network (GAN). The network  150  may provide for wireline, wireless, or a combination of wireline and wireless communication between devices in the network. In one embodiment, the network  150  includes the Internet  151 . In one embodiment, the network  150  may also include a wireless telephone network  152 . 
     In general, the user device  120  is configured to connect with the network  150  and may be used to log the user  110  into the financial institution system  400  of the financial institution  114 . A user  110 , in order to access the user&#39;s account(s), typically uses an online banking application and/or mobile banking application on the financial institution system  400  and must authenticate with the financial institution system  400 . For example, logging into the financial institution system  400  generally requires that the user  110  authenticate his/her/its identity using a user name, a passcode, a cookie, a biometric identifier, a private key, a token, and/or another authentication mechanism that is provided by or for the user  110  to the financial institution system  400  via the user device  120 . In some embodiments the authentication system may be a tiered system that may require different levels of authentication based on conditions such as, for example, previous activity of the user over the network  150 . For example, the tiered authentication system may have three levels of authentication—hard, medium and soft. Hard authentication may require that the user input a high level of authentication information such as a combination of password, user identification, answer to challenge questions, biometrics, random key number or the like. A hard authentication may be required when the user logs on from an unrecognized user device or where the user activity is not recognized by the system. A medium authentication level may require only a user identification and password. A medium level of authentication may be required where, for example, the user has already logged-in to the user device  120  using an authentication procedure for the device such as a thumbprint or password. A soft authentication may require only a user identification such as user name. A soft level of authentication may be used, for example, where the user has already logged-in to the user device  120  using an authentication procedure for the device such as a thumbprint or password and the user has performed activities on the user device that are recognized as “normal” activity for that user and/or the user device is in a recognized location for that user. Thus, the level of authentication required for accessing the banking application, whether online, mobile or in person, may be adjusted based on conditions, activity, functions or information received about or from the user. 
     In one embodiment, the invention may provide an application download server such that software applications that support the financial institution system  400  can be downloaded to the user devices  120 . In some embodiments of the invention, the application download server is configured to be controlled and managed by one or more third-party data providers (not shown in  FIG. 1 ) over the network  150 . In other embodiments, the application download server is configured to be controlled and managed over the network  150  by the same entity or entities that maintains the financial institution system  400   
       FIG. 2  provides a block diagram illustrating the mobile device  200  of  FIG. 1  in more detail, in accordance with embodiments of the invention. In one embodiment of the invention, the mobile device  200  is a mobile telephone. However, it should be understood that a mobile telephone and the embodiment of the mobile device  200  shown in  FIG. 2  are merely illustrative of one type of mobile device  200  that may benefit from, employ, or otherwise be involved with embodiments of the present invention and, therefore, should not be taken to limit the scope of embodiments of the present invention. Other types of mobile devices  200  may include portable digital assistants (PDAs), pagers, tablets, mobile televisions, gaming devices, laptop computers, cameras, video recorders, audio/video player, radio, GPS devices, or any combination of the aforementioned. 
     Some embodiments of the mobile device  200  include a processor  210  communicably coupled to such devices as a memory device  220 , user output devices  236 , user input devices  240 , and a network interface  260 . The mobile device  200  further includes a power source  215 , such as a battery, for powering various circuits and other devices that are used to operate the mobile device  200 . Embodiments of the mobile device  200  may also include a clock or other timer  250  configured to determine and, in some cases, communicate actual or relative time to the processor  210  or one or more other devices. The mobile device  200  may also include a camera  280  and a positioning system device  275  such as a global positioning system (GPS). The processor  210 , and other processing devices described herein, generally include circuitry for implementing communication and/or logic functions of the associated device. For example, the processor  210  may include a digital signal processor device, a microprocessor device, and various analog to digital converters, digital to analog converters, and/or other support circuits. Control and signal processing functions of the mobile device  200  are allocated between these devices according to their respective capabilities. The processor  210  thus may also include the functionality to encode and interleave messages and data prior to modulation and transmission. The processor  210  can additionally include an internal data modem. Further, the processor  210  may include functionality to operate one or more software programs, which may be stored in the memory device  220 . For example, the processor  210  may be capable of operating a connectivity program, such as a web browser application  222 . The web browser application  222  may then allow the mobile device  200  to transmit and receive web content, such as, for example, location-based content and/or other web page content, according to a Wireless Application Protocol (WAP), Hypertext Transfer Protocol (HTTP), and/or the like. The memory device  220  may include other applications such as e-mail app  224  and SMS app  223 . 
     The processor  210  is configured to use the network interface  260  to communicate with one or more other devices on the network  150 . In this regard, the network interface  260  includes an antenna  276  operatively coupled to a transmitter  274  and a receiver  272  (together a “transceiver”). The processor  210  is configured to provide signals to and receive signals from the transmitter  274  and receiver  272 , respectively. The signals may include signaling information in accordance with the air interface standard of the applicable cellular system of the wireless telephone network  152 . In this regard, the mobile device  200  may be configured to operate with one or more air interface standards, communication protocols, modulation types, and access types. By way of illustration, the mobile device  200  may be configured to operate in accordance with any of a number of first, second, third, and/or fourth-generation communication protocols and/or the like. For example, the mobile device  200  may be configured to operate in accordance with second-generation (2G) wireless communication protocols IS-136 (time division multiple access (TDMA)), GSM (global system for mobile communication), and/or IS-95 (code division multiple access (CDMA)), or with third-generation (3G) wireless communication protocols, such as Consolidated Mobile Telecommunications System (UMTS), CDMA2000, wideband CDMA (WCDMA) and/or time division-synchronous CDMA (TD-SCDMA), with fourth-generation (4G) wireless communication protocols, with LTE protocols, with 3GPP protocols and/or the like. The mobile device  200  may also be configured to operate in accordance with non-cellular communication mechanisms, such as via a wireless local area network (WLAN) or other communication/data networks. 
     As described above, the mobile device  200  has a user interface that may be made up of user output devices  236  and/or user input devices  240 . The user output devices  236  may include a display  230  (e.g., a liquid crystal display or the like) and a speaker  232  or other audio device, which are operatively coupled to the processor  210 . The user input devices  240 , which allow the mobile device  200  to transmit data, may include any of a number of devices allowing the mobile device  200  to transmit data, such as a keypad, keyboard, touch-screen, touchpad, microphone, mouse, joystick, other pointer device, button, soft key, and/or other input device(s). 
     The memory device  220  is operatively coupled to the processor  210 . The memory device  220  can store any of a number of applications which comprise computer-executable instructions/code executed by the processor  210  to implement the functions of the mobile device  200  and/or one or more of the process/method steps described herein. The memory device  220  also includes a mobile banking application  221  that may be used to allow communication with a system such as the financial institution system  400  to implement the system of the invention. The use of the mobile banking application  221  may facilitate access to the system of the invention by providing log-in systems including user authentication systems, account information, system controls or the like. The mobile banking application  221  also allows communication to the financial institution system  400  to allow the user to set up and/or control the system of the invention. 
     A graphical user interface (GUI) may be provided on the display  230  that allows the user  110  to communicate with the mobile device  200 , the financial institution system  400  and/or other devices or systems. The memory device  220  can also store any of a number of pieces of information, and data, used by the mobile device  200  and the applications and devices that make up the mobile device  200  or are in communication with the mobile device  200  to implement the functions of the mobile device  200  and/or the other systems described herein. For example, the memory device  220  may include such data as user authentication information. 
     Referring now to  FIG. 3 , the personal computing device  300  also includes various features, such as a network communication interface  310 , a processing device  320 , a user interface  330 , and a memory device  350 . The network communication interface  310  includes a device that allows the personal computing device  300  to communicate over the network  150 . In one embodiment of the invention, a network browsing application  355  provides for a user to establish network communication with a financial institution system  400 . The memory device  350  may include such applications as the conventional web browser application  355  and/or an on-line banking application  356 . The on-line banking application  356  may be used to allow communication with the entity system such as financial institution system  400  to provide access to the financial institution system providing log-in systems including user authentication systems, account information or the like as previously described with respect to  FIG. 2 . The on-line banking application  356  also allows communication to the financial institution system  400  to allow the user to set up and/or control the system of the invention. 
     As used herein, a “processor” or “processing device,” such as the processing device  320 , processing device  420 , processing device  520  and processor  210 , generally refers to a device or combination of devices having circuitry used for implementing the communication and/or logic functions of a particular system. For example, a processing device or processor may include a digital signal processor device, a microprocessor device, and various analog-to-digital converters, digital-to-analog converters, and other support circuits and/or combinations of the foregoing. Control and signal processing functions of the system are allocated between these processing devices according to their respective capabilities. The processing device or processor may further include functionality to operate one or more software programs based on computer-executable program code thereof, which may be stored in memory device. As the phrase is used herein, a processor or processing device may be “configured to” perform a certain function in a variety of ways, including, for example, by having one or more general-purpose circuits perform the function by executing particular computer-executable program code embodied in computer-readable medium, and/or by having one or more application-specific circuits perform the function. 
     As used herein, a “user interface” generally includes a plurality of user input and output devices and/or software that allow a customer to input commands and data to direct the processing device to execute instructions and to receive communications from the user devices  120 . For example, the user interface  330  identified in  FIG. 3  may include a graphical user interface (GUI) or an interface to input computer-executable instructions that direct the processing device  320  to carry out specific functions and an output to communicate with the user  110  and/or third party  112 . The user interface  330  employs certain user input and user output devices as previously described with reference to  FIGS. 1 and 2 . These input and output devices may include a display, mouse, keyboard, button, touchpad, touch screen, microphone, speaker, LED, light, joystick, switch, buzzer, bell, and/or other user input/output device for communicating with one or more users. 
     As used herein, a “memory” or “memory device” generally refers to a device or combination of devices that store one or more forms of computer-readable media for storing data and/or computer-executable program code/instructions. Computer-readable media is defined in greater detail below. For example, in one embodiment, the memory devices described herein include any computer memory that provides an actual or virtual space to temporarily or permanently store data and/or commands provided to the processing device when the processing device carries out its functions described herein. As used herein, “memory” or “memory device” includes any computer readable medium (as defined herein below) configured to store data, code, or other information. The memory may include volatile memory, such as volatile Random Access Memory (RAM) including a cache area for the temporary storage of data. The memory may also include non-volatile memory, which can be embedded and/or may be removable. The non-volatile memory can additionally or alternatively include an electrically erasable programmable read-only memory (EEPROM), flash memory or the like. 
     As used herein, a “communication interface” generally includes a modem, server, transceiver, and/or other device for communicating with other devices on a network. The network communication interface  410 ,  510  is a communication interface having one or more communication devices configured to communicate with one or more other devices on the network  150 , such as the mobile device  200 , and/or the personal computing device  300 . The processing device  420  is configured to use the network communication interface  410  to transmit and/or receive data and/or commands to and/or from the other devices connected to the network  150 . 
       FIG. 4  provides a block diagram illustrating the entity system such as financial institution system  400 , in greater detail, in accordance with embodiments of the invention. As illustrated in  FIG. 4 , in one embodiment of the invention, the financial institution system  400  includes one or more processing devices  420  operatively coupled to one or more network communication interfaces  410  and one or more memory devices  450 . In certain embodiments, the financial institution system  400  is operated by an entity, such as a financial institution. 
     It should be understood that the memory device  450  may include one or more databases or other data structures/repositories. The memory device  450  also includes computer-executable program code that instructs the processing device  420  to operate the network communication interface  410  to perform certain communication functions of the financial institution system  400  described herein. For example, in one embodiment of the financial institution system  400 , the memory device  450  includes, but is not limited to, a network server application  470 , an authentication application  460 , a customer account data repository  480  which includes customer authentication data  482  and customer account information  484 , an on-line/mobile banking application  490  comprising a mobile web server application  493 , and other computer-executable instructions or other data such as resource applications for executing transactions with the financial institution. The computer-executable program code of the network server application  470 , the authentication application  460 , or the on-line/mobile banking application  490  may instruct the processing device  420  to perform certain logic, data-processing, and data-storing functions of the financial institution system(s)  400  described herein, as well as communication functions of the financial institution system(s)  400 . The mobile banking application  490  communicates with the user computing devices  120  to facilitate communication between the user and the financial institution. 
     In one embodiment, the customer account data repository  480  includes customer authentication data  482  and customer account information  484 . The network server application  470 , the authentication application  460 , and the mobile banking application  490  are configured to invoke or use the customer account information  484 , the customer authentication data  482  when authenticating a user to the financial institution system(s)  400 . 
     The financial institution system  400  further includes a resource allocation and conservation application  491  that communicates with the user device  120  and/or the third party system  500  as will be described. The resource allocation and conservation application  491  is configured to obtain user resources developed by the user&#39;s resource generating activities and to allocate and conserve those resources. In one embodiment “resource” means a user benefit developed as a result of a user transaction with a third party or developed as a result of the user&#39;s relationship with the financial institution  114 . Examples of a user benefit are discounts, cash back rewards, loyalty program points, or the like. A user resource generating activity may be a transaction such as the purchase of services or goods, the use of a credit card or the like. Thus, an example of a user resource generating activity and associated resource would be the purchase of groceries using a loyalty card (user resource generating activity) that provides a price discount (user benefit/resource) based on the purchase of certain products. Another example of a user resource generating activity and associated resource would be the use of a credit card to make a purchase (user resource generating activity) that provides cash back (user benefit/resource) to the user. Another example of a user resource generating activity and associated resource would be the purchase of an airline ticket (user resource generating activity) that provides frequent flier miles or points (user benefit/resource) to the user. The resource allocation and conservation application  491  obtains the user benefits or information about the user benefits from the third party and allocates those user benefits, maintains a record  485  of the accumulated user benefits and conserves unused user benefits. The record  485  may be maintained as part of the customer account information  484  or it may be maintained as part of the resource allocation and conservation application  491  or the information may be distributed in different portions of the memory device  450 . In all events the user record of the user benefits is maintained in the financial institution system  400  and the user benefits are accessible to the resource allocation and conservation application  491  for implementation of the system of the invention. 
     The environment may also comprise at least one financial center  600  ( FIG. 1 ) that is related to and may form part of the financial institution that operates and controls the financial institution system  400 . The financial center(s)  600  may be a branch office, an ATM machine or other type of facility that may provide in-person customer service and support for the financial institution. The financial centers  600  may also include centralized facilities that are accessible by the distributed financial centers. Typically, the financial institution system  400  comprises a plurality of financial centers that are geographically dispersed to provide services to the financial institution&#39;s customers over a wide, and potentially international, geographic area. The financial centers  600  may include at least portions of the financial institution systems  400  that allow each financial center  600  to communicate with other elements of the financial institution system  400  and the user devices  120  over network  150 . Each financial center  600  may have access to all or a portion of the financial institution system(s)  400  such that each financial center  600  can communicate with and access at least portions of the processing device  420  and memory device  450  of the financial institution system and in some embodiments the various local systems of the financial centers  600  may be considered to be part of a distributed financial institution system  400 . Thus, while the financial centers  600  may be geographically distributed, the financial centers  600  may be considered to form part of the financial institution system(s)  400  as previously described. Each financial center  600  typically includes local processing devices  420  and memory devices  450  and network interface devices  410  that allow the local system of the financial centers  600  to communicate over the network  150  with one another and with centralized systems of the financial institution. The financial centers  600  may also comprise a local customer account data repository, a local online/mobile banking application, a local resource monitoring and alert application facilitate communication, data management and security among the financial centers. 
     In a typical relationship the user  110  is a customer of the financial institution  114  that operates financial institution system  400  and engages the financial institution for a variety of services and products. The user may have relationships with more than one financial institution and the relationship between each user and a financial institution may be different where different products and services are provided by the financial institution and/or utilized by the user. In a typical relationship the user  110  may be able to utilize applications such as on-line/mobile banking applications  490  of the financial institution that can be accessed through user device  120  to obtain services and products offered by the financial system  400  and to complete financial transactions with and/or through the financial institution. Moreover, at least some of the services and products that are available through the on-line/mobile banking applications  490  are also available as physical transactions. There may also exist some services and products that are available only as physical transactions through a financial center  600 . An exemplary suite of products and services may include some or all of, but is not limited to, the following: savings/checking accounts, money transfers, mobile/electronic and/or physical check deposit, person-to-person payments (P2P), account statements (checking, savings, term deposits, loans card, equity/fund, insurance and the like), bill payment, cloud storage, ATM withdrawal, financing, portfolio management, stock quotes, location based services, loyalty related agreements, loans, debit/credit cards and the like. The example products and services set forth above are not intended to be limiting or exhaustive of the relationship that a user may have with a financial entity system. 
       FIG. 5  provides a block diagram illustrating an embodiment of a third party system  500 , in greater detail, in accordance with embodiments of the invention. The third party system  500  is operated under the control of the third party  112  to implement the invention as described herein. As previously described the third party  112  may comprise any person, business or other entity. In one embodiment the third party  112  may be a business such as a retail establishment, service provider, financial institution, on-line retailer or the like, and may include both on-line and/or “brick and mortar” establishments. The third party  110  may have an ongoing relationship with the user by means of a customer loyalty program, subscription service, ongoing account or the like or it may have a transactional relationship with the user where the relationship is based on periodic, or even one-time, transactions. The third party  112  also has a relationship with the financial institution  114  where the third party  122  has an agreement with the financial institution  114  to provide information to and/or engage in financial transactions with the financial institution based on the rules that control the interaction between the third party system  500  and the financial institution system  400  as will hereinafter be described. Because the third party  112  may be any type of establishment having a relationship with the user, the third party system  500  described herein is described to the extent necessary to understand and implement the system of the invention. The third party  112  may also operate systems in addition to those described herein and the third party systems may comprise a wide variety of systems such as inventory systems, logistics, accounting systems, shipping systems and the like that are necessary to operate the third party enterprise but that are not relevant to the operation of the system of the invention. 
     As illustrated in  FIG. 5 , in one embodiment of the invention, the third party system  500  includes one or more processing devices  520  operatively coupled to one or more network communication interfaces  510  and one or more memory devices  550 . The memory device  550  may include one or more databases or other data structures/repositories. The memory device  550  also includes computer-executable program code that instructs the processing device  520  to operate the network communication interface  510  to perform certain communication functions of the third party system  500  described herein. For example, in one embodiment of the third party system  500 , the memory device  550  includes, but is not limited to, a network server application  570 , an authentication application  560 , a customer account data repository  580  which may include customer authentication data  582  and customer account information  484 , and other computer-executable instructions or other data such as resource applications for executing transactions with the third party. The computer-executable program code of the network server application  570 , or the authentication application  560  may instruct the processing device  520  to perform certain logic, data-processing, and data-storing functions of the third party system  500  described herein, as well as communication functions of the third party system  500 . In one embodiment, the customer account data repository  580  includes customer authentication data  582  and customer account information  584 . The network server application  570  and the authentication application  560  are configured to invoke or use the customer account information  584  and the customer authentication data  582  when authenticating a user to the third party system  500 . For example, the authentication may include the swiping of a loyalty card or the entry of a PIN number that is recognized by the third party system  500  to identify the user. The customer account information  584  may comprise customer identification information, loyalty or rewards points, user usage rates, user spend rates, purchase histories or the like. 
     The third party system  500  further includes a resource allocation and conservation interface application  590  that communicates with the financial institution system  400  as will be described. The resource allocation and conservation interface application  590  functions to obtain user resources developed by a user&#39;s utilization of user resource generating activities with that third party and to transmit relevant information to the financial institution system  400  based on the rules established in the agreement between the financial institution  114  and the third party  112 . As previously explained the resource is the user benefit (e.g. loyalty rewards (points), discounts, special deals, coupon savings or the like) developed as a result of the user resource generating activity (e.g. transactions such as purchases, rentals, leases, usage or the like) with the third party. 
     In a typical relationship the user  110  is a customer of the third party  112  that engages the third party for a variety of services and products. The user may have relationships with more than one third party and the relationship between each user and the third party may be different where different products and services are provided by each of the third parties and/or utilized by the user. The third parties are independent of one another and the user benefits provided by the third parties to the user may vary. In a typical relationship the user  110  may be able to obtain or purchase goods and services from a third party through user device  120  and/or through physical transactions such as at a third party retail outlet. The types of third parties and the products and services offered by the third parties and obtained or purchased by the user can vary greatly. For example a third party may be a retailer such as a grocery store, department store, specialty store or the like where the user purchases products. Other third parties may be service providers such as airlines, hotels, rental car companies or the like. Other third parties may be on-line e-commerce retailers that sell products from a variety of merchants. While specific examples of third parties are provided herein the examples are not intended to be exhaustive or limiting. The third party may be any entity with which the user has a relationship that may make use of the present invention. 
     Some of the products and services offered by the third party comprise a user resource activity that results in the user obtaining resources such as discounts, cash back rewards, preferred pricing, coupons, or loyalty points or other rewards and benefits, referred to herein collectively as user benefits. For example, a retailer such as a grocery store may provide the user with a loyalty card that provides price discounts to the user at the point of purchase. Department stores may provide the user with preferred pricing such as percentage discounts where the user may save a certain percentage on all purchases on a particular date and/or if made with the store&#39;s credit card. An airline may offer fare discounts to for loyalty milestones. 
     The financial institution system  400  obtains the user benefits, or information about the user benefits, earned by the user from the third parties and maintains a record  485  of the aggregated user benefits in memory device  450 . The record  485  may be maintained as part of the user account information  484  or it may be maintained as part of the resource allocation and conservation application  491  or the information may be distributed in different portions of the memory device  450 . In all events the record  485  of user benefits is accessible to the resource allocation and conservation application  491  for implementation of the system of the invention. 
     An embodiment of the resource allocation and conservation application  491  will be described with reference to  FIGS. 6 through 8 .  FIG. 6  is a schematic drawing illustrating an embodiment of the arrangement between the user  110 , third party  112  and the financial institution  114 . In one embodiment, the financial institution  114  and a plurality of third parties  112   a - 112   n  enter into agreements to share information and/or engage in a financial transactions to implement the system of the invention. A third party that enters into such an agreement may be referred to herein as a third party member. In a typical system a plurality of unrelated an independent third party members  112   a - 112   n  have agreements with the financial institution  114 . Each third party system  500  provides information to, or engages in a financial transaction with, the financial institution system  400  based on the rules established in the agreement. The rules may depend in part on the type of third party and the nature of the user benefits obtained by the user as a result of its transactions with the third party. For example, the third party may offer user benefits such as cash back, discounts, free goods or services or the like. Based on the nature of the user benefits offered by the third party the rules of the agreement may require that the third party system  500  transmit a payment to the financial institution system  400  or the rules may require that the third party system  500  transmit information related to the user benefit to the financial institution system  400  without transmitting a payment or the rules may require that the third party system  500  transmit information related to the user benefit and a payment to the financial institution system  400 . The information and or financial transaction transmitted from the third party system  500  to the financial institution system  400  is referred to collectively as user benefit data. 
     Once the agreements between the financial institution  114  and the third party members  112   a - 112   n  are established the user  110  may enroll in the system for any third party member with which the user has a relationship (Block  601 ). In one embodiment the user may enroll in the system over user device  120 , where, after the user is authenticated with the financial institution, the user may utilize the mobile banking application  221  or on-line banking application  356  to enroll in the system through financial institution system  400  over network  150 . The user  110  may also enroll in person at a financial center  600  or by other means such as regular mail. After the user enrolls in the system, the financial system  400  may transmit an authentication to all third party members authorizing the third party members to transmit the user benefit data to the financial institution (Block  602 ). If the user does not enroll in the system the system will not be active for that user (Block  603 ). 
     The user may provide instructions to the financial institution system  400  instructing the financial institution system  400  how the user benefit is to be allocated (Block  604 ). In some embodiments the user may direct the types of user benefits or identify the third parties either specifically or as a class for which the system of the invention is to be used. The user may also direct how the user benefits aggregated by the financial institution system  400  from the third party members are to be accounted for by the financial institution system. For example, the user may identify a designated account for receiving the payments from the third party. The designated account may also be identified by the user based on other relationships with the financial institution. For example, where the user has established a relationship with the financial institution and where that relationship has established personalized services such as savings plans, budgeting plans or the like the system of the invention may be used in conjunction with such personalized services such that certain of the user benefits are accounted for in one manner and certain of the user benefits are accounted for in a second manner. For example one user benefit may be deposited into a first designated savings account earmarked for a particular purpose and a second user benefit may be deposited in a second designated account. In either event the user benefits accumulated by the user and tracked by the financial system may be maintained in an aggregated record that may be accessed by the user such that all of the user benefits may be easily presented to the user regardless of the final disposition of the user benefit. 
     The operation of the system of the invention will be described with reference to  FIG. 7 . In describing the operation of the system it is assumed that agreements are in place between the financial institution and the member third parties that establish rules for the third party systems  500  and the financial system  400  for how and when user benefit data will be transmitted from the third party systems to the financial institution system and that the user has enrolled in or otherwise consented to use the system of the invention. The user engages in a transaction with a member third party (Block  701 ). The transaction may be over a user device  120  or it may be a physical transaction such as at the third party&#39;s place of business. The third party system determines if the transaction generates a user benefit as set forth under the rules established between the financial institution and the third party (Block  702 ). If the transaction does not generate a user benefit, the system is not initiated and no further action is taken by the third party (Block  703 ). If the transaction generates a user benefit, the user benefit data is transmitted from the third party system to the financial institution system on a per transaction basis as controlled by the resource allocation and conservation interface application  590  (Block  704 ). That is, for each transaction that creates a user benefit the user benefit data is transmitted to the financial institution system upon completion of the transaction. The user benefit data may be transmitted in a number of formats depending upon the type of user benefit created and the financial institution system  400  may allocate the user benefit in different ways. The transmitted user benefit data is received at the financial institution system  400  (Block  705 ). 
     In one embodiment the user benefit data comprises a payment or authorization for a payment from the third party system  500  to the financial institution system  400  (Block  706 ). Such an arrangement may be used where the user benefit is a monetary payment to the user. Such a user benefit may take the form of a cash back offer, a rebate or the like where the user benefit is a monetary payment from the third party to the user. The third party system may, based on the rules established between the third party, the financial institution and the user, make the payment directly to the financial institution system  400 . The payment transmitted by the third party system  500  is received by the financial institution system  400  (Block  707 ). Upon receipt of the payment, the financial institution system  400  may post the payment to a designated user account such as a user savings account per the financial institution&#39;s agreement with the user (Block  708 ). Where the user benefit comprises a monetary payment the payment may be considered to be “swept” into the user account. In addition to sweeping the payment into the designated user account, the financial institution system  400  also updates the user record  485  managed by the resource allocation and conservation application  491  to tally the payment. In this manner the user record  485  is updated on a transaction by transaction basis. In this and other embodiments, the designated account may be part of a larger relationship between the user and the financial institution where, based upon the user&#39;s financial goals and plans, predetermined user benefits are earmarked for the designated account. 
     The user record  485  may be accessed by the user via user device  120  and may be reviewed by the user such that the user may gain insight into the user benefits accumulated over a period of time. The user record  485  may be accessed via user devices  120  such that the user may obtain real time information regarding the accumulated user benefits. The user record  485  may show any relevant information, for example, the amount of payment, the source of payment, the transaction details such as date, product and/or service purchased, the designated account, the designated account balance and the like. Moreover where the designated account is part of a larger user relationship with the financial institution the user record  485  may track progress toward a predefined goal. The goal may be expressed in terms of a monetary amount, points total, percentage of savings, percentage of income or the like. 
     In another embodiment the user benefit may be a discount or savings on the purchase of a goods or services from the third party rather than a payment from a third party. For example, the user may have a loyalty card with a third party where when the card is presented at the time of purchase the cost of goods purchased may be reduced by a percentage, dollar amount or the like. In such an arrangement the resource allocation and conservation interface application  590  of the third party system  500  may transmit to the financial institution system  400  the user benefit data including the saved amount (i.e. the discount) on a transaction by transaction basis (Block  710 ). The user benefit data including the saved amount is received by the financial institution system  400  (Block  711 ). The user record  485  maintained by the resource allocation and conservation application  491  is updated to tally the saved amount (Block  712 ). The user record  485  may show any relevant information, for example, the saved amount, the cost of goods/services, the percentage of savings, the transaction details such as third party identity, date, product or service purchased, and the like. In this manner the user record  485  is updated on a transaction by transaction basis. The user record  485  may be reviewed by the user such that the user may gain insight into the user benefit (savings) accumulated over a period of time. The running totals may be accessed via user devices  120  such that the user may obtain real time information regarding the accumulated user benefits. In such an embodiment the system tallies the user benefit but does not necessarily sweep an actual user benefit into a user account. 
     In another embodiment the user benefit may be a discount or savings on the purchase of a goods or services such as described above. In another example, the third party may be a department store that has preferred customer lists where a user that is a preferred customer may obtain savings in the cost of goods at the time of purchase. The savings may be received when the user provides a code to the third party department store at the time of the transaction. In such an arrangement the resource allocation and conservation interface application  590  of the third party system  500  may transmit to the financial institution system  400  user benefit data including the saved amount on a transaction by transaction basis (Block  713 ). The user benefit data including the saved amount is received by the financial institution system  400  (Block  714 ). The user record  485  maintained by the resource allocation and conservation application  491  is updated to tally the saved amount (Block  716 ). In addition to tallying the user benefit, the resource allocation and conservation application  491  may make a monetary transfer by sweeping the saved amount from a first user account into a second designated user account based on the rules established in the agreement between the user and the financial institution system  400  (Block  715 ). For example, the rules may direct that the resource allocation and conservation application  491  of the financial institution system  400  transfer funds equal to the user benefit (saved amount) for the reported transaction from a user&#39;s general savings account into a designated account for such user benefits. 
     The user record  485  may show any relevant information, for example, the amount of payment, the amount of savings, the percentage of savings, the transaction details such as retailer identity, date, product or service purchased, the amount of funds transferred, the source of the funds, the designated account, the source account balance, the designated account balance, and the like. In this manner the user record  485  may be reviewed by the user such that the user may gain insight into the user benefit (savings) accumulated over a period of time. The user record  485  may also show information related to a user goal as previously described. The running totals may be accessed via user devices  120  such that the user may obtain real time information regarding the accumulated user benefits. 
     In other embodiments the user benefit may be a non-monetary benefit. For example, in a loyalty program such as a “frequent flier” type of program the user benefit may be miles or points. Non-monetary rewards are referred to herein as “points”. The resource allocation and conservation interface application  590  of the third party system  500  may transmit to the financial institution system  400  user benefit data comprising the non-monetary user benefits (Block  717 ). The user benefit data including the non-monetary information is received by the financial institution system  400  (Block  718 ). The user record  485  maintained by the resource allocation and conservation application  491  is updated to tally the non-monetary information, e.g. points (Block  719 ). The record may show any relevant information, for example, the number of points for the transaction, the total number of points accumulated, the transaction details such as retailer identity, date, product or service purchased, and the like. The record may also show potential goods and services that may be obtained with the accumulated points. The user record  485  may also show information related to a user goal as previously described. In this manner the user record may be reviewed by the user such that the user may gain insight into the user benefit accumulated over a period of time. The running totals may be accessed via user devices  120  such that the user may obtain real time information regarding the accumulated user benefits that form the user record. 
     Because the user has control over the user&#39;s accounts with the financial institution and the allocation of the user benefits, the resource allocation and conservation application  491  also updates the user record  485  when the user takes action on an account (Block  720 ). For example, if the user makes a withdrawal from or a deposit to an account, the user record  485  is updated to reflect the withdrawal and/or deposit and the balance is updated. For non-monetary items such as points, when the user redeems the points, miles or other non-monetary item, the third party system  500  may transmit user benefit data including the points redeemed and/or the monetary value of the redeemed points to the financial institution system  400 . The financial institution system  400  updates the user record to show the points reduction and the number of available points. If the redemption of points resulted in cash back to the user the cash may be handled as described with reference to Blocks  706 - 709 . If the redemption of points resulted in a benefit that did not result in a cash payment, the user benefit may be handled as described with reference to Blocks  710 - 712  or Blocks  713 - 716 . The user record may also be updated to show the monetary value of the product or service obtained. 
     In operation the user completes a transaction with a third party system  500  that is a third party member with the financial institution operating the system where that transaction develops a user benefit. The third party system  400  transmits a message to the financial institution system  500  including user benefit data. In one embodiment the resource allocation and conservation interface application  590  of the third party system  500  transmits a secured message such as a tokenized message to the financial institution system  400  over network  150  via network communication interface  510  based on information stored in memory device  550 . The secured message comprises user benefit data is recognized by the resource allocation and conservation application  491  as relating to a resource such as a user benefit that is developed as a result of a user resource generating activity such as a transaction with a member third party. The secured message is informed by and transmitted in accordance with the terms and conditions of the agreement between the third party system  500  and the financial institution system  400 . Tokenization security systems are known where a token having no intrinsic value is substituted for sensitive data such that the transmission of the user benefit information does not involve the transmission of sensitive data. As a result, security is enhanced and security risks from data breaches are reduced. In the present invention the secured message may be substituted for user identification information such that the secured message generated by the resource allocation and conservation interface application  590  is translated and attributed to a particular user at the financial institution system  400 . The secured message is translated by the resource allocation and conservation application  491  to identify the user&#39;s identity and the source of the secured message. The secured message may also include information about the transaction, user benefit or other information. 
     The secured transmission is on a transaction basis where the financial institution system  400  receives the relevant user benefit for each transaction from the third party upon completion of the transaction. The resource allocation and conservation application  491  may also pull information from the financial institution system  400  records to make this information part of the user record  485  where it may be available to the user as previously described. Where the resource allocation and conservation application  491  obtains the information for the user benefit from memory device  450  of the financial institution system  400 , the financial institution may be thought of as both the third party and the financial institution. For example, the financial institution may offer incentives to the user for various user activities with the financial institution such as cash back rewards, loyalty points, rewards programs and the like. Because this information is internal to the financial institution system  400  the financial institution does not necessarily receive a secured transmission containing this information. Rather this information may be accessed internally by the resource allocation and conservation application  491  on a transaction by transaction basis. Because this information is maintained as part of the user record, the user record provides a complete record of all user benefits. 
     Once the user record  485  is created, the user record may be used in a variety of manners for the benefit of the user. The user record  485  may be accessed by the user via a user device  120  using on-line banking application  356  and/or mobile banking application  221 . In this manner the user has a continuously updated view of the user record  485  for all user benefits obtained by the user from member third parties. The on-line/mobile banking applications may allow the user to update instructions to the financial institution as to how different benefits are to be allocated, displayed or the like. Because the financial institution system  400  has access to the aggregated data of its users, the financial institution system  400  may use the aggregated data to provide analysis for its users. For example, the financial institution may compare the user benefits obtained by one particular user against other similarly situated users and provide analysis to the user indicating, for example, how the user&#39;s performance compares to other similarly situated users. For example, the analysis may indicate that the user is in the top 10% of user benefits for households having a similar household income. The analysis may also be used to provide guidance to the user for better managing the user benefits. For example, the financial institutions analysis may reveal that users of a first loyalty program obtain more benefits than users of a similar second loyalty program. The analysis may also reveal that based on a user&#39;s financial activity the user may benefit from a particular third party program or offer. This analysis may be provided as a service to the user. The analysis may be presented on the user device  120  when the user accesses the on-line banking application  356  and/or mobile banking application  221 . 
     In other embodiments the financial institution system  400  may be used as a conduit for delivering third party content to the users to provide users with offers of user benefits that may be of value to the user. In such an embodiment the financial institution system  400  may determine via its analysis of the user record and the aggregated information of all its users that a user benefit may be relevant to a user based on the user&#39;s resource activity. For example the financial institution system  400  may determine that the user shops at a particular store based on the user&#39;s credit/debit card history but that the user does not use that store&#39;s loyalty program. The financial institution system  400  may transmit a message to the user device  120  informing the user device about the potential user reward and providing a link or other information that enables the user&#39;s enrollment in the loyalty program. 
     In some embodiments, the analysis may be based on predictive models of user resource activity rather than on actual user resource activity. The system may predict the need for certain services or products based on known data about the user when compared to aggregated data from the financial institution system users. For example, the system may predict that a user might be in a position to travel and may transmit a message to user device  120  with a special offer on air fare or the like. Numerous other examples may be provided of the use of a predictive model for initiating the system of the invention and the examples provided above are not intended to be limiting. 
     As will be appreciated by one of skill in the art, the present invention may be embodied as a method (including, for example, a computer-implemented process, a business process, and/or any other process), apparatus (including, for example, a system, machine, device, computer program product, and/or the like), or a combination of the foregoing. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, resident software, micro-code, etc.), or an embodiment combining software and hardware aspects that may generally be referred to herein as a “system.” Furthermore, embodiments of the present invention may take the form of a computer program product on a computer-readable medium having computer-executable program code embodied in the medium. Any suitable transitory or non-transitory computer readable medium may be utilized. The computer readable medium may be, for example but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device. More specific examples of the computer readable medium include, but are not limited to, the following: an electrical connection having one or more wires; a tangible storage medium such as a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), a compact disc read-only memory (CD-ROM), or other optical or magnetic storage device. 
     In the context of this document, a computer readable medium may be any medium that can contain, store, communicate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. The computer usable program code may be transmitted using any appropriate medium, including but not limited to the Internet, wireline, optical fiber cable, radio frequency (RF) signals, or other mediums. 
     Computer-executable program code for carrying out operations of embodiments of the present invention may be written in an object oriented, scripted or unscripted programming language such as Java, Perl, Smalltalk, C++, or the like. However, the computer program code for carrying out operations of embodiments of the present invention may also be written in conventional procedural programming languages, such as the “C” programming language or similar programming languages. 
     Embodiments of the present invention are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products. It will be understood that each block of the flowchart illustrations and/or block diagrams, and/or combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer-executable program code portions. These computer-executable program code portions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a particular machine, such that the code portions, which execute via the processor of the computer or other programmable data processing apparatus, create mechanisms for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks. 
     These computer-executable program code portions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the code portions stored in the computer readable memory produce an article of manufacture including instruction mechanisms which implement the function/act specified in the flowchart and/or block diagram block(s). 
     The computer-executable program code may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the code portions which execute on the computer or other programmable apparatus provide steps for implementing the functions/acts specified in the flowchart and/or block diagram block(s). 
     As the phrase is used herein, a processor may be “configured to” perform a certain function in a variety of ways, including, for example, by having one or more general-purpose circuits perform the function by executing particular computer-executable program code embodied in computer-readable medium, and/or by having one or more application-specific circuits perform the function. 
     Embodiments of the present invention are described above with reference to flowcharts and/or block diagrams. It will be understood that steps of the processes described herein may be performed in orders different than those illustrated in the flowcharts. In other words, the processes represented by the blocks of a flowchart may, in some embodiments, be in performed in an order other that the order illustrated, may be combined or divided, or may be performed simultaneously. It will also be understood that the blocks of the block diagrams illustrated, in some embodiments, merely conceptual delineations between systems and one or more of the systems illustrated by a block in the block diagrams may be combined or share hardware and/or software with another one or more of the systems illustrated by a block in the block diagrams. Likewise, a device, system, apparatus, and/or the like may be made up of one or more devices, systems, apparatuses, and/or the like. For example, where a processor is illustrated or described herein, the processor may be made up of a plurality of microprocessors or other processing devices which may or may not be coupled to one another. Likewise, where a memory is illustrated or described herein, the memory may be made up of a plurality of memory devices which may or may not be coupled to one another. 
     While certain exemplary embodiments have been described and shown in the accompanying drawings, it is to be understood that such embodiments are merely illustrative of, and not restrictive on, the broad invention, and that this invention not be limited to the specific constructions and arrangements shown and described, since various other changes, combinations, omissions, modifications and substitutions, in addition to those set forth in the above paragraphs, are possible. Those skilled in the art will appreciate that various adaptations and modifications of the just described embodiments can be configured without departing from the scope and spirit of the invention. Therefore, it is to be understood that, within the scope of the appended claims, the invention may be practiced other than as specifically described herein. 
     INCORPORATION BY REFERENCE 
     To supplement the present disclosure, this application further incorporates entirely by reference the following commonly assigned patent applications: 
     
       
         
           
               
               
               
               
             
               
                   
               
               
                   
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                 Title 
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                 7259US1.014033.2850 
                 To be assigned 
                 RESOURCE TRACKING 
                 Concurrently 
               
               
                   
                   
                 AND UTILIZATION 
                 herewith 
               
               
                   
                   
                 SYSTEM 
               
               
                 7261US1.014033.2851 
                 To be assigned 
                 RESOURCE ASSIGNMENT 
                 Concurrently 
               
               
                   
                   
                 SYSTEM 
                 herewith 
               
               
                 7262US1.014033.2852 
                 To be assigned 
                 RESOURCE ASSIGNMENT 
                 Concurrently 
               
               
                   
                   
                 SYSTEM WITH 
                 herewith 
               
               
                   
                   
                 ALLOCATION ASSIST 
               
               
                 7263US1.014033.2853 
                 To be assigned 
                 SYSTEM FOR RESOURCE 
                 Concurrently 
               
               
                   
                   
                 ALLOCATION AT TIME OF 
                 herewith 
               
               
                   
                   
                 USE AND CONSERVATION 
               
               
                   
                   
                 OF UNUSED PORTION 
               
               
                 7265US1.014033.2855 
                 To be assigned 
                 SYSTEM FOR 
                 Concurrently 
               
               
                   
                   
                 MONITORING RESOURCE 
                 herewith 
               
               
                   
                   
                 ACTIVITY AND ALERT 
               
               
                   
                   
                 GENERATION