USPTO published patent application US20260099822A1 assigned to Truist Bank, covering systems and methods for receiving and routing resource requests from mobile devices between users. The invention enables a processor to transmit a resource request from a first user's mobile device to a second user's mobile device, where the second user has a predetermined time window to respond. The system adds a mobile calendar reminder to the second user's device, determines whether a response is received after the time window expires, and terminates the request with notification to the first user if no response is received.
