Stored-Value Card Transfer Triggers for Lower Network Traffic

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Solution Overview

Problem

Transfers of resources often consume significant network bandwidth and require efficient management to optimize resource utilization and reduce network traffic.

Innovation Solution

A server computer system that includes a communications module, processor, and memory to manage stored-value cards by identifying triggers for resource transfer based on thresholds, generating digital representations, and provisioning mobile wallets, thereby optimizing network traffic and resource allocation.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If resource transfers are performed frequently to ensure up-to-date resource allocation, then resource allocation accuracy is improved, but network bandwidth consumption increases

Engineering Contradiction:
Improveresource allocation accuracyVSAvoidnetwork bandwidth consumption
Core Design Contradiction:
Measurement precisionVSLoss of energy

Solution Approach 1:

The system performs preliminary actions by establishing trigger conditions and thresholds in advance that automatically initiate resource transfers when specific conditions are met (such as balance thresholds or time intervals), eliminating the need for continuous frequent transfers while ensuring resource allocation remains accurate and up-to-date when necessary

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system implements periodic action by scheduling resource transfers based on predetermined time intervals or event triggers rather than continuously, allowing the system to check and transfer resources only when necessary based on pre-set conditions, thus reducing unnecessary network traffic while maintaining allocation accuracy

Inventive Principle:
Principle #19Periodic action

2Loss of energy

If resource transfers are delayed to reduce network traffic, then network bandwidth consumption is reduced, but resource allocation timeliness deteriorates

Engineering Contradiction:
Improvenetwork bandwidth consumptionVSAvoidresource allocation timeliness
Core Design Contradiction:
Loss of energyVSLoss of time

Solution Approach 1:

The system establishes trigger conditions and thresholds in advance that automatically initiate resource transfers when specific conditions are met, ensuring timely resource allocation without requiring continuous monitoring or delayed transfers, as the system is prepared to act immediately when pre-defined conditions occur

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system implements feedback mechanisms by continuously monitoring resource balances, transaction patterns, and trigger conditions, and automatically initiating transfers when conditions are met, ensuring timely resource allocation while minimizing unnecessary transfers by only acting when actual conditions warrant intervention

Inventive Principle:
Principle #23Feedback

3Measurement precision

If the system continuously monitors resource balances to ensure accurate triggering, then trigger condition detection accuracy is improved, but computational overhead increases

Engineering Contradiction:
Improvetrigger condition detection accuracyVSAvoidcomputational overhead
Core Design Contradiction:
Measurement precisionVSUse of energy by moving object

Solution Approach 1:

The system performs preliminary actions by pre-calculating and storing trigger conditions, thresholds, and transfer parameters before they are needed, allowing the system to simply compare current states against pre-established criteria rather than performing complex continuous analysis, thus maintaining high detection accuracy while reducing computational overhead

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system applies partial action by monitoring only the specific parameters and conditions that are relevant to trigger decisions (such as balance thresholds, time intervals, or specific transaction patterns) rather than continuously analyzing all possible system states, maintaining accurate trigger detection while minimizing unnecessary computational overhead

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS20250378427A1System and method for initiating a transfer of resources
Publication Date: 2025.12.11 THE TORONTO DOMINION BANK
  • US20250378427A1 patent drawing
  • US20250378427A1 patent drawing
  • US20250378427A1 patent drawing

AI summary

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to obtain, via the communications module, data; analyze the data to identify a stored-value card and an amount for the stored-value card; update a data record associated with the stored-value card based on the amount for the stored-value card; transfer resources to a network restricted data record based on the amount for the stored-value card; determine a trigger condition; and responsive to determining the trigger condition, initiate a transfer of resources from the network restricted data record to a network unrestricted data record.