Centralized Data Transfer Limiting Across Heterogeneous Platforms

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Solution Overview

Problem

Monitoring and managing data transfer limits across multiple remote devices with differing hardware, operating systems, and software applications is challenging due to lack of interoperability and dynamic communication of transfer limit information.

Innovation Solution

A computer system with a processor, communications module, and memory that determines in-application transfers, calculates the sum of transfer amounts, and performs operations to limit further transfers when a threshold is exceeded, while transmitting notifications to user devices through established APIs.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If data transfer limits are monitored across multiple remote devices with different hardware and operating systems, then data transfer management becomes more comprehensive, but system complexity and difficulty of implementation increase due to lack of interoperability

Engineering Contradiction:
Improvedata transfer limit monitoringVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

A central server acts as an intermediary between multiple user devices and the payment processor. The server receives transfer requests from various devices, monitors cumulative transfer amounts against limits, and coordinates with the payment processor. This intermediary approach enables comprehensive monitoring across heterogeneous devices without requiring complex integration between each device pair.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Loss of information

If real-time notification of transfer limit status is provided to users, then user awareness and control improve, but communication complexity across multiple platforms increases

Engineering Contradiction:
Improvetransfer limit information awarenessVSAvoidcommunication complexity
Core Design Contradiction:
Loss of informationVSDevice complexity

Solution Approach 1:

The system implements feedback by sending notifications to user devices when transfer limits are approached or exceeded. The central server monitors transfer cumulative amounts and automatically communicates status updates to users across different platforms, ensuring users remain informed without requiring them to manually check status on each device.

Inventive Principle:
Principle #23Feedback

3Adaptability or versatility

If multiple users are authorized to initiate transfers from the same location, then system versatility and user access improve, but difficulty of managing cumulative transfer limits increases

Engineering Contradiction:
Improveuser accessVSAvoidlimit management complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system merges transfer monitoring for multiple users and devices into a single centralized management system. The server aggregates transfer requests from all authorized users at a location, calculates cumulative amounts across all users and devices, and enforces transfer limits centrally, simplifying what would otherwise be complex distributed management.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS20250139635A1Systems and methods for limiting data transfers across multiple platforms
Publication Date: 2025.05.01 THE TORONTO DOMINION BANK
  • US20250139635A1 patent drawing
  • US20250139635A1 patent drawing
  • US20250139635A1 patent drawing

AI summary

Systems and methods for performing an operation intending to limit further in-application transfers are provided. A system may determine that a first transfer associated with a first account represents a first in-application transfer associated with a first application of a first type. The system may then calculate a sum of one or more transfer amounts associated with one or more in-application transfers during a time period. The system may then determine, based on a threshold defined for the time period, that the sum satisfies defined criteria. The system may then perform an operation intending to limit further in-application transfers associated with the first account during the time period.