Aggregator Module for Mobile Commercial Application Submission

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Solution Overview

Problem

Current systems lack a streamlined method for mobile electronic devices to facilitate the submission of commercial applications, such as loan or insurance applications, across multiple entities, requiring users to interact with multiple platforms and manage information manually.

Innovation Solution

A mobile electronic device with an aggregator module that collects user and product information, generates a commercial application, and transmits it to a centralized server, allowing access by lending, insurance, or third-party service entities for pre-approval or services.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If users interact with multiple platforms manually to submit commercial applications, then applications can be submitted to multiple entities, but the process becomes complex and time-consuming

Engineering Contradiction:

Improveability to submit applications to multiple entitiesVSAvoidcomplexity of interaction process

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent merges multiple separate application submission processes into a single integrated platform. The mobile electronic device includes an aggregator module that combines user information, product information, and application requests into one unified commercial application that can be submitted to multiple lending entities, insurance entities, and third-party service entities simultaneously, eliminating the need for users to interact with multiple platforms separately

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The aggregator module provides universal functionality by handling diverse application types (loan applications, insurance applications, warranty applications) and submitting them to various entity types through a single interface. The system can aggregate different kinds of information and submit them to different recipients using the same core mechanism, making the interaction process simple despite the versatility

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If users manually manage information across multiple platforms, then applications can be submitted to multiple entities, but the time required increases

Engineering Contradiction:

Improveability to submit applications to multiple entitiesVSAvoidtime required for application submission

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-aggregating user information and product information before the actual application submission. The aggregator module retrieves and organizes necessary information in advance, so when a user initiates an application, the data is already prepared and can be submitted immediately to multiple entities without time-consuming manual data entry or verification

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent enables continuous useful action by allowing the aggregator module to simultaneously prepare, validate, and transmit applications to multiple entities in parallel rather than sequentially. This continuous processing eliminates idle time between submissions and ensures that the application process flows uninterrupted through all stages

Inventive Principle:

Principle #20Continuity of useful action

3Ease of operation

If a centralized server is used to aggregate applications, then the process is streamlined, but information must be transmitted and stored

Engineering Contradiction:

Improveease of application submissionVSAvoiddata transmission and storage requirements

Core Design Contradiction:

Ease of operationVSLoss of information

Solution Approach 1:

The centralized server acts as an intermediary between the mobile electronic device and multiple service entities. It receives aggregated applications from the device, validates the information, and distributes them to the appropriate lending entities, insurance entities, or third-party service entities. This intermediary role streamlines the operation for users while managing data transmission and storage efficiently through structured protocols

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS11315157B1Aggregator application app for a mobile electronic device

Publication Date: 2022.04.26 AUTOFX2 LLC

AI summary

A mobile electronic device is described that is configured to upload a commercial application to a centralized server. In an implementation, the mobile electronic device includes a memory, and a processor communicatively coupled to the memory. The mobile electronic device also includes an aggregator module stored in memory and executable by the processor. The module is also configured to instruct the processor to aggregates the product information with applicant information to generate a commercial application relating to the product, the commercial application comprising an application for services from at least one a lending entity, an insurance entity, or a third-party service entity. The module is also configured to instruct the processor to cause transmission of the commercial application to a central server. The commercial application is accessible to the at least one of the lending entity, the insurance entity, or the third-party service entity.