Document Identifier Status Control for Secure Resource Transfers

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Existing resource transfer systems consume significant computing resources and network bandwidth due to individual processing of resource requests via digital or non-digital interaction channels, and there is a need for secure and efficient management of document-based resource transfers.

Innovation Solution

A system that generates a unique digital identifier and status indicator for documents, encrypts this data, and stores it in a centralized database, allowing secure and efficient authorization of resource transfers based on the document's status, preventing fraudulent use by querying the database for the document's status before authorizing transfers.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If resource requests are processed individually via digital or non-digital interaction channels, then resource transfer authorization can be performed, but computing resources and network bandwidth are consumed significantly

Engineering Contradiction:
Improveresource transfer authorizationVSAvoidcomputing resources consumption
Core Design Contradiction:
ReliabilityVSUse of energy by moving object

Solution Approach 1:

The patent merges multiple individual resource request processing operations into a single centralized database query operation. By consolidating the status verification of multiple documents into one database access point, the system reduces redundant computing operations and network communications, thereby lowering overall computing resource consumption while maintaining authorization reliability.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The system performs preliminary actions by pre-storing document status information in a centralized database before resource transfer requests occur. This allows the system to quickly verify document statuses without performing complex processing at the time of each resource request, reducing real-time computing resource requirements while ensuring accurate authorization decisions.

Inventive Principle:
Principle #10Preliminary action

2Reliability

If resource requests are processed individually via digital or non-digital interaction channels, then resource transfer authorization can be performed, but network bandwidth is consumed significantly

Engineering Contradiction:
Improveresource transfer authorizationVSAvoidnetwork bandwidth consumption
Core Design Contradiction:
ReliabilityVSLoss of energy

Solution Approach 1:

The patent merges multiple individual resource request processing operations into a single centralized database query operation. By consolidating the status verification of multiple documents into one database access point, the system reduces redundant computing operations and network communications, thereby lowering overall computing resource consumption while maintaining authorization reliability.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The centralized database acts as an intermediary between resource requesters and the resource transfer system. Instead of directly processing each resource request through complex channels, the system queries the intermediary database for document statuses, significantly reducing network bandwidth consumption while ensuring accurate authorization decisions.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Reliability

If a centralized database with unique digital identifiers is implemented, then fraudulent use can be prevented and data integrity ensured, but system complexity increases

Engineering Contradiction:
Improvefraud preventionVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The centralized database serves multiple functions simultaneously: it stores unique digital identifiers, tracks document statuses, prevents fraudulent use, and provides authorization verification. This multi-functionality reduces the need for separate systems for each function, thereby limiting the increase in overall system complexity while achieving comprehensive fraud prevention and data integrity.

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

Solution Approach 2:

The system changes the parameter of document identification from traditional methods to unique digital identifiers with associated status indicators. This parameter change enables automated fraud detection and status verification, improving reliability while the standardization of these parameters actually simplifies the overall system architecture by providing a unified approach to document tracking.

Inventive Principle:
Principle #35Parameter changes

4Reliability

If document status is tracked through centralized database queries, then resource transfer authorization can be controlled securely, but processing time may increase

Engineering Contradiction:
Improvesecure authorization controlVSAvoidprocessing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-storing document status information in a centralized database before resource transfer requests occur. This allows the system to quickly verify document statuses without performing complex processing at the time of each resource request, reducing real-time computing resource requirements while ensuring accurate authorization decisions.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system creates a digital copy of document status information in the centralized database that can be quickly queried without accessing the original document. This copying approach enables rapid verification of document statuses, reducing processing time while maintaining secure authorization control through the centralized status tracking mechanism.

Inventive Principle:
Principle #26Copying

Data Source

PatentUS20260003915A1Controlling resource transfers based on unique digital identifier data
Publication Date: 2026.01.01 TRUIST BANK
  • US20260003915A1 patent drawing
  • US20260003915A1 patent drawing
  • US20260003915A1 patent drawing

AI summary

A system can be provided for controlling resource transfers based on unique digital identifier data. For example, the system can receive a resource request from a user device. The resource request can be a request to transfer a resource from a first user account to a second user account based on a document. The system can then identify a unique digital identifier for the document. The system can further query a centralized database using the unique digital identifier to determine, based on a status indicator stored in the centralized database and associated with the unique digital identifier, a status of the document. Additionally, based on determining that the status of the document is a pre-processing status, the system can authorize the transfer of the resource and update the status indicator to change the status of the document from the pre-processing status to the processing status.