Card Control GUI for Account and Service Request Routing

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Solution Overview

Problem

Existing systems lack the capability for end users to selectively control how network requests associated with card usage are routed between different computer subsystems operated by a service provider, limiting user flexibility and control.

Innovation Solution

A graphical user interface (GUI) allows users to apply card controls that dictate whether network requests are handled by an account subsystem or a service subsystem, enabling users to configure how different types of network requests are completed using their account or the service provider's system.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If network requests are handled using a single fixed subsystem (account or service), then system simplicity is maintained, but user flexibility and control are limited

Engineering Contradiction:
Improveuser flexibilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system enables dynamic routing of network requests between account subsystem and service subsystem based on user-defined card controls. Users can configure which types of requests go to which subsystem, making the system adaptable to different user needs while maintaining manageable complexity through automated routing decisions.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The network request handling is segmented into two distinct subsystems (account subsystem and service subsystem), each handling specific types of requests. The graphical user interface allows users to segment their request types and assign them to appropriate subsystems, providing flexibility without requiring manual configuration of the entire system.

Inventive Principle:
Principle #1Segmentation

2Adaptability or versatility

If users can selectively control network request routing, then user flexibility is enhanced, but configuration complexity increases

Engineering Contradiction:
Improveuser flexibilityVSAvoidconfiguration ease
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The graphical user interface enables users to self-configure card controls without requiring technical expertise. Users can select which types of network requests should be handled by the account subsystem versus the service subsystem through intuitive interface elements, making the configuration process simple and accessible to end users.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The graphical user interface acts as an intermediary between users and the complex routing system. It translates user-friendly selections into appropriate routing decisions, shielding users from the underlying complexity of subsystem configuration while still providing granular control over request routing.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Adaptability or versatility

If network requests are routed to different subsystems, then system functionality is enhanced, but routing control becomes more complex

Engineering Contradiction:
Improvesystem functionalityVSAvoidrouting control complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system provides feedback to users through the graphical user interface, showing them which card controls are available and how they affect request routing. This feedback mechanism helps users understand the routing decisions being made and adjusts their configurations accordingly, simplifying the control process while enhancing system functionality.

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The system changes routing parameters dynamically based on user selections in the graphical user interface. When users configure card controls, the system modifies routing parameters to direct requests to the appropriate subsystems. This parameter-based approach provides granular control over routing while maintaining manageable complexity through automated parameter application.

Inventive Principle:
Principle #35Parameter changes

Data Source

PatentUS12405709B2Graphical user interface for configuring card controls for a card
Publication Date: 2025.09.02 TRUIST BANK
  • US12405709B2 patent drawing
  • US12405709B2 patent drawing
  • US12405709B2 patent drawing

AI summary

Card controls can be selectively applied by a user to a card using a graphical user interface (GUI). The card controls can dictate whether network requests associated with usage of the card are to be handled using an account subsystem or a service subsystem. For example, the user can input a first selection to the GUI for applying a first card control in relation to a first type of network request. Based on the first selection, the system can be configured to complete network requests of the first type using the service subsystem. The user can also input a second selection to the GUI for applying a second card control in relation to a second type of network request. Based on the second selection, the system can be configured to complete network requests of the second type using the account subsystem.