Cloud-Based Financial App Segmentation for Mobile Storage Reduction

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Current systems lack a comprehensive solution for accessing and securely managing financial transaction card-related mobile applications stored on cloud-based computing devices, with limitations in processing power, security, and storage efficiency, as well as limited accessibility across different devices and operating systems.

Innovation Solution

A system and method that allows users to access financial transaction card-related mobile applications stored on a cloud-based computing device, where a user interface and communication protocol module are downloaded, enabling significant processing on cloud-based devices, reducing storage requirements on user devices, and ensuring secure account information management through secure networks.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If complete applications are downloaded to user's mobile device, then application functionality is available locally, but storage space on user device is significantly occupied

Engineering Contradiction:

Improveapplication functionalityVSAvoidstorage space on user device

Core Design Contradiction:

ReliabilityVSVolume of stationary object

Solution Approach 1:

The patent segments the application into two parts: a thin client UI/communication protocol layer downloaded to the user's mobile device, and the bulk processing logic hosted on cloud-based computing devices. This segmentation allows the mobile device to have minimal storage requirements while maintaining full application functionality through cloud connectivity.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces a cloud-based computing device as an intermediary between the user's mobile device and the application services. The cloud device hosts the complete application logic and communicates with the thin client on the mobile device, enabling full functionality without storing complete applications on the mobile device.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If more data processing occurs on mobile device, then local processing capability is utilized, but storage space and device resources are consumed

Engineering Contradiction:

Improveprocessing capabilityVSAvoidstorage space on user device

Core Design Contradiction:

ProductivityVSVolume of stationary object

Solution Approach 1:

The patent moves the processing dimension from the mobile device to the cloud-based computing devices. Instead of processing locally on the mobile device, the system leverages the computational resources of cloud-based devices, effectively adding a new dimensional space for processing that is not constrained by mobile device storage or processing limits.

Inventive Principle:

Principle #17Another dimension (Dimensionality change)

3Adaptability or versatility

If applications are hosted on cloud-based computing device, then accessibility across different devices and operating systems is improved, but network dependency increases

Engineering Contradiction:

Improvedevice compatibilityVSAvoidnetwork dependency

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent implements a universal thin client application that can run on multiple mobile devices with different operating systems. The cloud-based hosting ensures that the same application logic serves all users regardless of their device type, achieving cross-platform compatibility through a common cloud interface.

Inventive Principle:

Principle #6Universality (Multi-functionality)

4Ease of operation

If account information is stored on user device, then local access is enabled, but security vulnerabilities increase

Engineering Contradiction:

Improvelocal accessVSAvoidsecurity vulnerability

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent extracts sensitive account information from the user's mobile device and stores it securely on cloud-based computing devices. The mobile device only handles presentation and user interaction, while all sensitive data remains on the secure cloud infrastructure, eliminating the security vulnerability of storing sensitive information on potentially compromised mobile devices.

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS9646297B2Method and system of providing financial transaction card related mobile apps

Publication Date: 2017.05.09 MASTERCARD INT INC

AI summary

An application providing method including: storing, at a memory of a cloud-based computing resource, at least two web-based applications; allowing a computing device of a user, after the user has gained access to a website of a financial institution of which the user has an account, to access the application offering page identifying the at least two web-based applications that are stored on the cloud-based computing resource; receiving, in the cloud-based computing resource, a selection of an application from the application offering page; transmitting, from the cloud-based computing resource to the computing device, data that allows the selected application to be displayed on the computing device, the selected application being stored on the cloud-based computing resource; and transmitting, from the cloud-based computing resource to the computing device, data that allows data pertaining to the user that was previously stored by the financial institution to be displayed on the computing device.