Patent Publication Number: US-2023161625-A1

Title: System and method for generating and maintaining tiered dynamic pre-authorization tables for automatic completion of resource transfers

Description:
BACKGROUND 
     Conventional systems do not have the capability to automatically complete resource transfers for users of an entity. As such, there exists a need for a system that generates and maintains tiered dynamic pre-authorization tables for automatic completion of resource transfers. 
     BRIEF SUMMARY 
     The following presents a summary of certain embodiments of the invention. This summary is not intended to identify key or critical elements of all embodiments nor delineate the scope of any or all embodiments. Its sole purpose is to present certain concepts and elements of one or more embodiments in a summary form as a prelude to the more detailed description that follows. 
     Embodiments of the present invention address the above needs and/or achieve other advantages by providing apparatuses (e.g., a system, computer program product and/or other devices) and methods for generating and maintaining tiered dynamic pre-authorization tables for automatic completion of resource transfers. The system embodiments may comprise one or more memory devices having computer readable program code stored thereon, a communication device, and one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute the computer readable program code to carry out the invention. In computer program product embodiments of the invention, the computer program product comprises at least one non-transitory computer readable medium comprising computer readable instructions for carrying out the invention. Computer implemented method embodiments of the invention may comprise providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs certain operations to carry out the invention. 
     In some embodiments, the present invention determines that a first user received a request for a resource transfer from a second user, wherein the request comprises information associated with the resource transfer embedded within the request, identifies an alias associated with the second user from the information embedded within the request, performs a search for the alias in the one or more tiered dynamic pre-authorization tables associated with the first user, determines that the request meets one or more conditions set for the alias in the one or more tiered dynamic pre-authorization tables, and automatically completes the request for the resource transfer by transferring resources from a resource pool of a first user to a resource pool of the second user. 
     In some embodiments, the present invention generates the one or more tiered dynamic pre-authorization tables, wherein the generation of the one or more tiered dynamic pre-authorization tables is based on at least one of: receiving an input from the first user, wherein the input comprises at least alias information associated with one or more users comprising the second user, amount associated with the resource transfer limits associated with each of the one or more users, and duration associated with the resource transfer limits, analyzing historical resource transfer data associated with the first user via a machine learning model, and receiving resource transfer information from one or more third party systems, wherein the resource transfer information is associated with one or more invoices generated for the first user by the one or more third party systems. 
     In some embodiments, the present invention maintains the one or more tiered dynamic pre-authorization tables, wherein maintenance of the one or more tiered dynamic pre-authorization tables is based on at least one of: receiving a second input from the first user, wherein the second input comprises at least the alias information associated with the one or more users comprising the second user, an updated amount associated with the resource transfer limits associated with each of the one or more users, and updated duration associated with the resource transfer limits, analyzing the historical resource transfer data associated with the first user via the machine learning model, receiving updated resource transfer information from the one or more third party systems, and tracking one or more entries in the one or more tiered dynamic pre-authorization tables. 
     In some embodiments, the present invention automatically performs the maintenance of the one or more tiered dynamic pre-authorization tables. 
     In some embodiments, the present invention identifies one or more patterns in the historical resource transfer data based on analyzing the historical resource transfer data associated with the first user via the machine learning model and automatically generates one or more entries in the one or more tiered dynamic pre-authorization tables for each of the identified one or more patterns. 
     In some embodiments, the one or more tiered dynamic pre-authorization tables comprise at least a first tier pre-authorization table comprising conditions for automatically completing requests for resource transfers received by the first user and a second tier pre-authorization table comprising exceptions for automatically completing the requests for the resource transfers received by the first user. 
     In some embodiments, the present invention generates a unique identification number for the first user, receives a resource transfer request, the unique identification number, and a first user alias associated with the first user from a third user, verifies that the unique identification number is associated with the first user alias of the first user, and automatically completes the resource transfer request by transferring resources from the resource pool of the first user to a resource pool of a third user. 
     The features, functions, and advantages that have been discussed may be achieved independently in various embodiments of the present invention or may be combined with yet other embodiments, further details of which can be seen with reference to the following description and drawings. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       Having thus described embodiments of the invention in general terms, reference will now be made the accompanying drawings, wherein: 
         FIG.  1    provides a block diagram illustrating a system environment for generating and maintaining tiered dynamic pre-authorization tables for automatic completion of resource transfers, in accordance with an embodiment of the invention; 
         FIG.  2    provides a block diagram illustrating the entity system  200  of  FIG.  1   , in accordance with an embodiment of the invention; 
         FIG.  3    provides a block diagram illustrating an automatic resource transfer completion system  300  of  FIG.  1   , in accordance with an embodiment of the invention; 
         FIG.  4    provides a block diagram illustrating the computing device system  400  of  FIG.  1   , in accordance with an embodiment of the invention; 
         FIG.  5    provides a process flow for generating and maintaining tiered dynamic pre-authorization tables for automatic completion of resource transfers, in accordance with an embodiment of the invention; and 
         FIG.  6    provides a process flow for generating a unique identification number for automatic completion of resource transfers, in accordance with an embodiment 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. 
     As used herein, the term “resource entity” or “entity” may be any institution which involves in financial transactions. In some embodiments, the entity may be a financial institution which may include any financial institutions such as commercial banks, thrifts, federal and state savings banks, savings and loan associations, credit unions, investment companies, insurance companies and the like. As described herein, a “user” may be a customer or a potential customer of the entity. In some embodiments, a “user” may be a financial institution customer (e.g., an account holder or a person who has an account (e.g., banking account, credit account, or the like)). An “account” or “resource pool” may be the relationship that the customer has with the financial institution. Examples of accounts include a deposit account, such as a transactional account (e.g. a banking account), a savings account, an investment account, a money market account, a time deposit, a demand deposit, a pre-paid account, a credit account, a non-monetary customer information that includes only personal information associated with the customer, or the like. The account is associated with and/or maintained by a financial institution. 
     Many of the example embodiments and implementations described herein contemplate interactions engaged in by a user with a computing device and/or one or more communication devices and/or secondary communication devices. A “user”, as referenced herein, may refer to an entity or individual that has the ability and/or authorization to access, develop, manage, maintain, test, and/or use one or more applications provided by the entity and/or the system of the present invention. In some embodiments, the user may be an employee of the entity. Furthermore, as used herein, the term “user computing device” or “mobile device” may refer to mobile phones, computing devices, tablet computers, wearable devices, smart devices and/or any portable electronic device capable of receiving and/or storing data therein. 
     A “user interface” is any device or software that allows a user to input information, such as commands or data, into a device, or that allows the device to output information to the user. For example, the user interface includes a graphical user interface (GUI) or an interface to input computer-executable instructions that direct a processing device to carry out specific functions. The user interface typically employs certain input and output devices to input data received from a user or to output data to a user. 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. 
     Typically, conventional systems require that a user approve each resource transfer before transferring resources from a resource pool of the user to a resource pool of another user. In some cases, the user may not be available to approve the resource transfers in a timely manner, thereby causing inconvenience to the other users requesting the resource transfers. As such, there exists a need for a system to automatically complete resources transfers associated with the user without having to receive any approval from the user. The system of the present invention solves this problem as explained in detail below. 
       FIG.  1    provides a block diagram illustrating a system environment  100  for generating and maintaining tiered dynamic pre-authorization tables for automatic completion of resource transfers, in accordance with an embodiment of the invention. As illustrated in  FIG.  1   , the environment  100  includes an automatic resource transfer completion system  300 , an entity system  200 , a computing device system  400 , and one or more third party systems  201 . One or more users  110  may be included in the system environment  100 , where the users  110  interact with the other entities of the system environment  100  via a user interface of the computing device system  400 . In some embodiments, the one or more user(s)  110  of the system environment  100  may be customers or potential customers of an entity associated with the entity system  200 . 
     The entity system(s)  200  may be any system owned or otherwise controlled by an entity to support or perform one or more process steps described herein. In some embodiments, the entity may be any organization that involves in financial transaction. In some embodiments, the entity is a financial institution. In some embodiments, the one or more third party systems  201  may be systems that provide information associated with one or more process flows described herein to the entity system  200  and/or the automatic resource transfer completion system  300 . 
     The automatic resource transfer completion system  300  is a system of the present invention for performing one or more process steps described herein. In some embodiments, the automatic resource transfer completion system  300  may be an independent system. In some embodiments, the automatic resource transfer completion system  300  may be a part of the entity system  200 . 
     The automatic resource transfer completion system  300 , the entity system  200 , the computing device system  400 , and the third party systems  201  may be in network communication across the system environment  100  through the network  150 . 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. In general, the automatic resource transfer completion system  300  is configured to communicate information or instructions with the entity system  200 , and/or the computing device system  400  across the network  150 . 
     The computing device system  400  may be a system owned or controlled by the entity of the entity system  200  and/or the user  110 . As such, the computing device system  400  may be a computing device of the user  110 . In general, the computing device system  400  communicates with the user  110  via a user interface of the computing device system  400 , and in turn is configured to communicate information or instructions with the automatic resource transfer completion system  300 , and/or entity system  200  across the network  150 . 
       FIG.  2    provides a block diagram illustrating the entity system  200 , in greater detail, in accordance with embodiments of the invention. As illustrated in  FIG.  2   , in one embodiment of the invention, the entity system  200  includes one or more processing devices  220  operatively coupled to a network communication interface  210  and a memory device  230 . In certain embodiments, the entity system  200  is operated by a first entity, such as a financial institution. 
     It should be understood that the memory device  230  may include one or more databases or other data structures/repositories. The memory device  230  also includes computer-executable program code that instructs the processing device  220  to operate the network communication interface  210  to perform certain communication functions of the entity system  200  described herein. For example, in one embodiment of the entity system  200 , the memory device  230  includes, but is not limited to, an automatic resource transfer completion application  250 , one or more entity applications  270 , and a data repository  280  comprising historical transaction data associated with one or more resource pools of users  110 . The one or more entity applications  270  may be any applications developed, supported, maintained, utilized, and/or controlled by the entity that perform one or more organizational activities. In one embodiments, the entity application may be an online banking application. The computer-executable program code of the network server application  240 , the automatic resource transfer completion application  250 , the one or more entity application  270  to perform certain logic, data-extraction, and data-storing functions of the entity system  200  described herein, as well as communication functions of the entity system  200 . 
     The network server application  240 , the automatic resource transfer completion application  250 , and the one or more entity applications  270  are configured to store data in the data repository  280  or to use the data stored in the data repository  280  when communicating through the network communication interface  210  with the automatic resource transfer completion system  300 , and/or the computing device system  400  to perform one or more process steps described herein. In some embodiments, the entity system  200  may receive instructions from the automatic resource transfer completion system  300  via the automatic resource transfer completion application  250  to perform certain operations. The automatic resource transfer completion application  250  may be provided by the automatic resource transfer completion system  300 . 
       FIG.  3    provides a block diagram illustrating the automatic resource transfer completion system  300  in greater detail, in accordance with embodiments of the invention. As illustrated in  FIG.  3   , in one embodiment of the invention, the automatic resource transfer completion system  300  includes one or more processing devices  320  operatively coupled to a network communication interface  310  and a memory device  330 . In certain embodiments, the automatic resource transfer completion system  300  is operated by an entity, such as a financial institution. In some embodiments, the automatic resource transfer completion system  300  is owned or operated by the entity of the entity system  200 . In some embodiments, the automatic resource transfer completion system  300  may be an independent system. In alternate embodiments, the automatic resource transfer completion system  300  may be a part of the entity system  200 . 
     It should be understood that the memory device  330  may include one or more databases or other data structures/repositories. The memory device  330  also includes computer-executable program code that instructs the processing device  320  to operate the network communication interface  310  to perform certain communication functions of the automatic resource transfer completion system  300  described herein. For example, in one embodiment of the automatic resource transfer completion system  300 , the memory device  330  includes, but is not limited to, a network provisioning application  340 , a tiered dynamic pre-authorization table generation application  350 , a tiered dynamic pre-authorization table maintenance application  360 , a machine learning application  370 , a real-time trigger monitoring application  380 , a pin generation application  385 , and a data repository  390  comprising any data processed or accessed by one or more applications in the memory device  330 . The computer-executable program code of the network provisioning application  340 , the tiered dynamic pre-authorization table generation application  350 , the tiered dynamic pre-authorization table maintenance application  360 , the machine learning application  370 , the real-time trigger monitoring application  380 , and the pin generation application  385  may instruct the processing device  320  to perform certain logic, data-processing, and data-storing functions of the automatic resource transfer completion system  300  described herein, as well as communication functions of the automatic resource transfer completion system  300 . 
     The network provisioning application  340 , the tiered dynamic pre-authorization table generation application  350 , the tiered dynamic pre-authorization table maintenance application  360 , the machine learning application  370 , the real-time trigger monitoring application  380 , and the pin generation application  385  are configured to invoke or use the data in the data repository  390  when communicating through the network communication interface  310  with the entity system  200 , and/or the computing device system  400 . In some embodiments, the network provisioning application  340 , the tiered dynamic pre-authorization table generation application  350 , the tiered dynamic pre-authorization table maintenance application  360 , the machine learning application  370 , the real-time trigger monitoring application  380 , and the pin generation application  385  may store the data extracted or received from the entity system  200 , and the computing device system  400  in the data repository  390 . In some embodiments, the network provisioning application  340 , the tiered dynamic pre-authorization table generation application  350 , the tiered dynamic pre-authorization table maintenance application  360 , the machine learning application  370 , the real-time trigger monitoring application  380 , and the pin generation application  385  may be a part of a single application. 
       FIG.  4    provides a block diagram illustrating a computing device system  400  of  FIG.  1    in more detail, in accordance with embodiments of the invention. However, it should be understood that a mobile telephone is merely illustrative of one type of computing device system  400  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 computing devices may include portable digital assistants (PDAs), pagers, mobile televisions, desktop computers, workstations, laptop computers, cameras, video recorders, audio/video player, radio, GPS devices, wearable devices, Internet-of-things devices, augmented reality devices, virtual reality devices, automated teller machine devices, electronic kiosk devices, or any combination of the aforementioned. 
     Some embodiments of the computing device system  400  include a processor  410  communicably coupled to such devices as a memory  420 , user output devices  436 , user input devices  440 , a network interface  460 , a power source  415 , a clock or other timer  450 , a camera  480 , and a positioning system device  475 . The processor  410 , and other processors described herein, generally include circuitry for implementing communication and/or logic functions of the computing device system  400 . For example, the processor  410  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 computing device system  400  are allocated between these devices according to their respective capabilities. The processor  410  thus may also include the functionality to encode and interleave messages and data prior to modulation and transmission. The processor  410  can additionally include an internal data modem. Further, the processor  410  may include functionality to operate one or more software programs, which may be stored in the memory  420 . For example, the processor  410  may be capable of operating a connectivity program, such as a web browser application  422 . The web browser application  422  may then allow the computing device system  400  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 processor  410  is configured to use the network interface  460  to communicate with one or more other devices on the network  150 . In this regard, the network interface  460  includes an antenna  476  operatively coupled to a transmitter  474  and a receiver  472  (together a “transceiver”). The processor  410  is configured to provide signals to and receive signals from the transmitter  474  and receiver  472 , respectively. The signals may include signaling information in accordance with the air interface standard of the applicable cellular system of the wireless network  152 . In this regard, the computing device system  400  may be configured to operate with one or more air interface standards, communication protocols, modulation types, and access types. By way of illustration, the computing device system  400  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. 
     As described above, the computing device system  400  has a user interface that is, like other user interfaces described herein, made up of user output devices  436  and/or user input devices  440 . The user output devices  436  include a display  430  (e.g., a liquid crystal display or the like) and a speaker  432  or other audio device, which are operatively coupled to the processor  410 . 
     The user input devices  440 , which allow the computing device system  400  to receive data from a user such as the user  110 , may include any of a number of devices allowing the computing device system  400  to receive data from the user  110 , such as a keypad, keyboard, touch-screen, touchpad, microphone, mouse, joystick, other pointer device, button, soft key, and/or other input device(s). The user interface may also include a camera  480 , such as a digital camera. 
     The computing device system  400  may also include a positioning system device  475  that is configured to be used by a positioning system to determine a location of the computing device system  400 . For example, the positioning system device  475  may include a GPS transceiver. In some embodiments, the positioning system device  475  is at least partially made up of the antenna  476 , transmitter  474 , and receiver  472  described above. For example, in one embodiment, triangulation of cellular signals may be used to identify the approximate or exact geographical location of the computing device system  400 . In other embodiments, the positioning system device  475  includes a proximity sensor or transmitter, such as an RFID tag, that can sense or be sensed by devices known to be located proximate a merchant or other location to determine that the computing device system  400  is located proximate these known devices. 
     The computing device system  400  further includes a power source  415 , such as a battery, for powering various circuits and other devices that are used to operate the computing device system  400 . Embodiments of the computing device system  400  may also include a clock or other timer  450  configured to determine and, in some cases, communicate actual or relative time to the processor  410  or one or more other devices. 
     The computing device system  400  also includes a memory  420  operatively coupled to the processor  410 . As used herein, memory includes any computer readable medium (as defined herein below) configured to store data, code, or other information. The memory  420  may include volatile memory, such as volatile Random Access Memory (RAM) including a cache area for the temporary storage of data. The memory  420  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. 
     The memory  420  can store any of a number of applications which comprise computer-executable instructions/code executed by the processor  410  to implement the functions of the computing device system  400  and/or one or more of the process/method steps described herein. For example, the memory  420  may include such applications as a conventional web browser application  422 , a resource transfer completion application  421 , and an entity application  424 . These applications also typically instructions to a graphical user interface (GUI) on the display  430  that allows the user  110  to interact with the entity system  200 , the automatic resource transfer completion system  300 , and/or other devices or systems. The memory  420  of the computing device system  400  may comprise a Short Message Service (SMS) application  423  configured to send, receive, and store data, information, communications, alerts, and the like via the wireless telephone network  152 . In some embodiments, the entity application  424  may be an online banking application. In some embodiments, the resource transfer completion application  421  provided by the automatic resource transfer completion system  300  allows the user  110  to access the automatic resource transfer completion system  300 . In some embodiments, the entity application  424  provided by the entity system  200  and the resource transfer completion application  421  allow the user  110  to access the functionalities provided by the automatic resource transfer completion system  300  and the entity system  200 . 
     The memory  420  can also store any of a number of pieces of information, and data, used by the computing device system  400  and the applications and devices that make up the computing device system  400  or are in communication with the computing device system  400  to implement the functions of the computing device system  400  and/or the other systems described herein. 
       FIG.  5    provides a process flow for generating and maintaining tiered dynamic pre-authorization tables for automatic completion of resource transfers, in accordance with an embodiment of the invention. As shown in block  510 , the system determines that a first user received a request for a resource transfer from a second user, wherein the request comprises information associated with the resource transfer embedded within the request. The first user is a sender and the second user is a receiver. The second user may be a family member, an acquaintance, or any other user that has provided any products, goods, or services to the first user. In one example, the second user may be a spouse of the first user. In another example, the second user may be a friend of the first user. In another example, the second user may be a child caregiver providing services to the first user. In some embodiments, both the first user and the second user may be customers of the entity associated with the system of the present invention. In some embodiments, only the first user may be a customer of the entity associated with the system of the present invention. The information embedded within the request for the resource transfer comprises at least an alias associated with the second user, amount associated with the resource transfer, and the like. As shown in block  520 , the system identifies an alias associated with the second user from the information embedded within the request. The alias associated with the second user may be a phone number, an email address, a username, or the like. 
     As shown in block  530 , the system performs a search for the alias in the one or more tiered dynamic pre-authorization tables associated with the first user. The system generates the one or more tiered dynamic pre-authorization tables for every user who is a customer of the entity. The one or more tiered dynamic pre-authorization tables comprise at least a first tier pre-authorization table comprising conditions for automatically completing requests for resource transfers received by the first user and a second tier pre-authorization table comprising conditions for automatically completing requests for resource transfers received by the first user. In some embodiments, there may be n-tiered pre-authorization tables associated with each customer of the entity, where each tier of the n-tiered pre-authorization tables comprises tiered conditions and tiered exceptions for completing requests for resource transfers. 
     In some embodiments, the system may generate the one or more tiered dynamic pre-authorization tables based on receiving an input from the first user, wherein the input comprises at least alias information associated with one or more users comprising the second user, amount associated with the resource transfer limits associated with each of the one or more users, and duration associated with the resource transfer limits. For example, the first user may assign a monthly limit of $X to the second user, a weekly limit of $Y to user ‘A,’ and a disbursement of $Z over a time period ‘1’ to user ‘B.’ The first user may provide the input via an entity application (e.g., online banking application) provided by the entity. In some embodiments, the system may generate the one or more tiered dynamic pre-authorization tables based on analyzing historical resource transfer data associated with the first user via a machine learning model. The system may analyze the historical resource transfer data and may identify one or more patterns via a machine learning model. Based on identifying the one or more patterns, the system automatically generates one or more entries in the one or more tiered dynamic pre-authorization tables for each of the one or more patterns. In some embodiments, the system may prompt the user to approve the entries, via the entity application, before adding the one or more entries to the one or more tiered pre-authorization tables. For example, the system may identify that the first user transfers $X to a user ‘A’ every week and may add an entry to the pre-authorization table. In some embodiments, the system may identify that the first user gifts $Y to user ‘B’ every year on a birthday and may add an entry to the pre-authorization table. In some embodiments, the system may generate the one or more tiered dynamic pre-authorization tables based on receiving resource transfer information from one or more third party systems, wherein the resource transfer information is associated with one or more invoices generated for the first user by the one or more third party systems. For example, the system may determine that the first user has received an invoice from a company ‘X’ via a registered email address and may add an entry corresponding to the invoice in the pre-authorization table. The system may use any combination of the above embodiments to generate the one or more tiered dynamic pre-authorization tables. 
     The system also dynamically maintains the one or more tiered dynamic pre-authorization tables in real-time. In some embodiments, the system may maintain the one or more tiered dynamic pre-authorization tables based on receiving a second input from the first user, wherein the second input comprises at least the alias information associated with the one or more users comprising the second user, an updated amount associated with the resource transfer limits associated with each of the one or more users, and updated duration associated with the resource transfer limits. The first user may provide the second input via the entity application (e.g., online banking application) provided by the entity. For example, the first user may update the monthly limit of the second user from $X to $W. In some embodiments, the system may maintain the one or more tiered dynamic pre-authorization tables based on analyzing the historical resource transfer data associated with the first user via the machine learning model. The system may identify a change in the previously established patterns based on analyzing the historical resource transfer data and real-time resource transfer data and update entries of the one or more tiered dynamic pre-authorization tables. For example, the system may determine that the user ‘A’ is requesting $X+2 every week and may update the resource transfer limit associated with user ‘A’ from $X to $X+2. In some embodiments, the system may maintain the one or more tiered dynamic pre-authorization tables based on receiving updated resource transfer information from the one or more third party systems. For example, the system may determine via one or more third party systems that price of school lunch increased by $Y and the system may automatically update limit of user ‘A’ from $X to $X+Y to reflect the price change. In some embodiments, the system may maintain the one or more tiered dynamic pre-authorization tables based on tracking one or more entries in the one or more tiered dynamic pre-authorization tables. For example, the system may identify that the first user gifts $Y to user ‘B’ every year on a birthday and may determine that current birthday is a mile-stone (e.g., sixteenth birthday) and may generate a prompt asking the first user if the $Y assigned to user ‘B’ be increased to $Y+$N for the current year. The system may use any combination of the above embodiments to maintain the one or more tiered dynamic pre-authorization tables. It should be understood that the examples described herein are for illustrative purposes only and do not in any way delineate the scope of the invention. 
     As shown in block  540 , the system determines that the request meets one or more conditions set for the alias in the one or more tiered dynamic pre-authorization tables. In one example, the system determines that the amount associated with the request is within the resource transfer limit set for the second user and may further check that there are no exceptions defined for the resource transfer or the second users. Examples of exceptions may include, but are not limited to, lower account balance, upcoming scheduled transfers, defined disbursement of funds, or the like. As shown in block  550 , the system automatically completes the request for the resource transfer by transferring resources from a resource pool of a first user to a resource pool of the second user. 
       FIG.  6    provides a process flow for generating a unique identification number for automatic completion of resource transfers, in accordance with an embodiment of the invention. As shown in block  610 , the system generates a unique identification number for the first user. The unique identification number may be a Personal Identification Number. The unique identification number may be a random number dynamically generated by the system. After generating the unique identification number, the system may assign the unique identification number to the first user and a first user alias of the first user. In some embodiments, the system may also allocate a fixed amount for all resource transfers that are requested via the unique identification number. In some embodiments, the system may generate multiple unique identification numbers for the first user, where each unique identification number is associated with a different resource transfer limit. For example, a first PIN may have a resource transfer limit of $X and a second PIN may have a resource transfer limit of $Y. The user may share the unique identification number with another user so that they can request a resource transfer using the unique identification number and an amount requested by that user may be automatically transferred if it falls within the resource transfer limit associated with the unique identification number. 
     As shown in block  620 , the system receives a resource transfer request, the unique identification number, and a first user alias associated with the first user from a third user. As shown in block  630 , the system verifies that the unique identification number is associated with the first user alias of the first user. As shown in block  640 , the system automatically completes the resource transfer request by transferring resources from the resource pool of the first user to a resource pool of a third user. For example, a child caregiver may provide the first alias and a PIN shared by the first user and the system may automatically transfer an amount corresponding to a pre-defined resource limit associated with the PIN. In another example, a gardener may provide the first alias and a second PIN and may request transfer of $X and upon receiving the request, the system checks that $X is within the pre-defined resource limit allocated with the second PIN and automatically completes the request. 
     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, and the like), 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). Alternatively, computer program implemented steps or acts may be combined with operator or human implemented steps or acts in order to carry out an embodiment of the invention. 
     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.