Cross-Channel Digital Form Rendering Engine

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Solution Overview

Problem

Current technologies face challenges in digitizing forms across various channels, including proper display on mobile devices, onboarding of new forms and templates, and inline editing capabilities.

Innovation Solution

A cross-channel digital form integration and presentation system that allows for the onboarding of various forms, displaying them appropriately across different channels, and enabling inline editing, with structured storage of form data for reuse across contexts.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If forms are digitized across multiple channels (mobile, web, email, applications), then user accessibility and versatility are improved, but device complexity and system configuration requirements increase

Engineering Contradiction:
Improvecross-channel form display capabilityVSAvoidsystem configuration complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent implements a universal form rendering engine that can display forms across multiple channels (mobile devices, web browsers, email clients, desktop applications) using a single form definition. The system uses channel-agnostic form templates that automatically adapt to different display contexts, eliminating the need for separate form versions for each channel while maintaining full functionality across all platforms.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent introduces a form rendering service as an intermediary layer between the form definition system and various client channels. This mediator translates standardized form definitions into channel-specific representations, handling the complexity of multi-channel support centrally rather than requiring complex configuration at each client endpoint.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Adaptability or versatility

If each new form and template is onboarded individually with unique formatting, then form-specific customization requirements are met, but onboarding time and processing effort increase

Engineering Contradiction:
Improveform template customizationVSAvoidform onboarding time
Core Design Contradiction:
Adaptability or versatilityVSLoss of time

Solution Approach 1:

The patent segments form definitions into reusable template components that can be independently configured and assembled. Forms are built from modular elements (fields, sections, validation rules, styling) that can be reused across multiple forms, allowing rapid onboarding of new forms by combining existing templates rather than creating each form from scratch.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent implements pre-configured form templates with common formatting, validation rules, and styling already established. These templates are prepared in advance and can be instantly applied to new forms, eliminating the need to manually configure each form's unique formatting requirements during onboarding while still allowing customization when needed.

Inventive Principle:
Principle #10Preliminary action

3Ease of operation

If forms require inline editing capabilities during completion, then user flexibility and ease of operation are improved, but system processing complexity increases

Engineering Contradiction:
Improveform editing capabilityVSAvoidinline editing system complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The patent enables forms to be edited inline directly at the user interface without requiring complex backend processing or system interventions. The form rendering engine provides built-in editing capabilities that allow users to modify form fields directly in place, with changes automatically validated and saved without triggering complex system workflows or requiring specialized editing software.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS12327081B2Cross channel digital data archiving and utilization system
Publication Date: 2025.06.10 BANK OF AMERICA CORP
  • US12327081B2 patent drawing
  • US12327081B2 patent drawing
  • US12327081B2 patent drawing

AI summary

Embodiments of the invention are directed to a system, method, or computer program product for convenient, secure digital data archiving and utilization across multiple communication channels. The method includes extracting one or more data input fields from a form and generating one or more user prompts to be presented to a user in order to complete at least one of the one or more entries of the one or more data input fields. The method further includes causing the transmission of at least one of the one or more user prompts to the user and receiving a prompt response from the user. The method further includes displaying to the user a completed generated form in an appropriate channel format, and provides a process for secure e-signature and cross-stream utilization of user input.