Digital Code Switching and Routing for Cardless Transactions

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Solution Overview

Problem

Current point of interaction devices require a resource distribution device (e.g., credit card) and user device for transactions, limiting interaction capabilities without them.

Innovation Solution

A system utilizing a digital code-based dynamic switching and routing mechanism that allows users to perform resource interactions through a computing device, including onboarding, initiating transactions, bundling information, and validating secret codes for resource distribution without physical cards or devices.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If physical resource distribution devices (e.g., credit cards) and user devices are required for transactions, then transaction security and reliability are improved, but device complexity and ease of operation deteriorate

Engineering Contradiction:

Improvetransaction securityVSAvoidtransaction device requirements

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the essential authentication function from physical cards and devices, isolating it into a digital code that can be independently validated. The system separates the resource distribution device from the authentication mechanism, allowing transactions to occur without the physical card itself, thereby reducing device complexity while maintaining security through code-based validation.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent introduces a digital code as an intermediary element between the user and the resource distribution system. This digital code serves as a mediator that carries authentication information without requiring the physical presence of cards or devices, simplifying the transaction process while maintaining security through the intermediary's validated information.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If physical cards and devices are required for resource interactions, then authentication reliability is improved, but ease of operation and transaction speed deteriorate

Engineering Contradiction:

Improveauthentication reliabilityVSAvoidtransaction convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent creates a digital copy of the authentication information contained in physical cards and devices. Instead of requiring the original physical object, the system uses a digital code that replicates the essential authentication data, allowing users to transact more conveniently while maintaining authentication reliability through the copied information's validated structure.

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent replaces the mechanical system of physical card insertion, swiping, or magnetic reading with a digital code validation system. This substitution eliminates the need for physical device manipulation, improving ease of operation and transaction speed while maintaining authentication reliability through digital verification processes.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Productivity

If digital code-based validation is implemented, then transaction flexibility and speed are improved, but measurement precision and validation complexity increase

Engineering Contradiction:

Improvetransaction speedVSAvoidcode validation accuracy

Core Design Contradiction:

ProductivityVSMeasurement precision

Solution Approach 1:

The patent performs preliminary validation of the digital code structure and format before the actual transaction processing. By pre-establishing validation rules and checking the code's integrity upfront, the system ensures measurement precision is maintained while enabling rapid transaction processing, as the critical validation checks are prepared in advance rather than during the transaction itself.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS20250307816A1System and method for processing resource interactions via a digital code-based dynamic switching and routing mechanism

Publication Date: 2025.10.02 BANK OF AMERICA CORP

AI summary

Embodiments of the present invention provide a system for processing resource interactions via a digital code-based dynamic switching and routing mechanism. The system is configured for identifying input of user information into a interaction device by a user to initiate an interaction, bundling the user information and interaction information into a message packet, routing the message packet to an issuer interaction processor and a resource distribution device network and in response receiving a unique digital code and interaction preferences, generating a weblink comprising executable instructions to prompt the user to provide a secret digital code, receive the secret digital code, and instantaneously validate the secret digital code against the unique digital code, displaying the weblink on the interaction device, prompting the user to enter the secret digital code, wherein upon receipt, the weblink performs instantaneously validation of the secret digital code, and initiating resource distribution associated with the interaction.