Dynamic EBPP Workflow Configuration via State Machines

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Solution Overview

Problem

Existing electronic bill presentment and payment (EBPP) systems lack customization options for businesses, failing to adapt aesthetically or logistically to specific business needs, and do not allow for real-time dynamic updates.

Innovation Solution

Implementing an EBPP workflow configuration module that receives instructions from billers to customize configuration parameters, generate state machines, and execute business logic scripts, enabling dynamic and real-time customization of EBPP workflows, including aesthetic appearance, page ordering, and payment processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If businesses develop their own electronic bill presentment and payment system, then customization capability is improved, but development cost and complexity increase

Engineering Contradiction:

Improvecustomization capabilityVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent implements a universal EBPP platform that serves multiple businesses with different customization needs. The system provides a common infrastructure for bill presentment and payment processing that can be adapted to various business requirements through configuration rather than custom development, achieving multi-functionality across different clients.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system employs dynamic configuration capabilities that allow businesses to customize workflows, user interfaces, and business logic at runtime without requiring system redesign. Configuration parameters, state machines, and scripts can be modified dynamically to adapt to changing business requirements while maintaining the core platform integrity.

Inventive Principle:

Principle #15Dynamics

2Reliability

If traditional fixed EBPP systems are used, then system stability is improved, but adaptability to business changes deteriorates

Engineering Contradiction:

Improvesystem stabilityVSAvoidreal-time customization capability

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The system architecture separates the stable core EBPP platform from the customizable configuration layer. The core system maintains stability while the configuration layer (including workflows, parameters, and scripts) can be independently modified. This segmentation allows changes in the adaptive layer without affecting the reliability of the underlying infrastructure.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system implements dynamic configuration mechanisms that enable real-time customization of EBPP workflows through configuration parameters, state machines, and executable scripts. These dynamic elements allow the system to adapt to business changes while the core platform remains stable and reliable.

Inventive Principle:

Principle #15Dynamics

3Adaptability or versatility

If highly customizable EBPP workflows are implemented, then business practice alignment is improved, but implementation complexity increases

Engineering Contradiction:

Improvebusiness logic customizationVSAvoidworkflow configuration complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system provides template-based workflow configurations that businesses can copy and adapt to their specific needs. Pre-defined state machines, business logic scripts, and workflow patterns serve as reusable templates that reduce configuration complexity while maintaining the ability to align with specific business practices through customization of these templates.

Inventive Principle:

Principle #26Copying

4Adaptability or versatility

If businesses customize their own EBPP systems, then branding alignment is improved, but development cost increases

Engineering Contradiction:

Improvebranding customizationVSAvoiddevelopment cost

Core Design Contradiction:

Adaptability or versatilityVSEase of manufacture

Solution Approach 1:

The universal EBPP platform provides built-in branding customization capabilities that allow businesses to align the system with their aesthetic appearance and branding requirements without requiring custom development. The platform serves multiple businesses simultaneously, distributing the cost of customization across multiple clients and reducing individual development expenses.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS10504075B2Methods, systems, and devices to dynamically customize electronic bill presentment and payment workflows

Publication Date: 2019.12.10 ALIASWIRE

AI summary

Embodiments of systems, methods and devices for electronic bill presentment and payment (EBPP) include receiving one or more instructions from a biller at a remote computer server. The remote computer server implements an electronic bill presentment and payment (EBPP) workflow configuration module and provisions, using the EBPP workflow configuration module, one or more configuration parameters for the biller based on the one or more received instructions. In addition, embodiments include configuring, dynamically an EBPP workflow based on the one or more received instructions and provisioned configuration parameters using the EBPP workflow configuration module. The configuring of the EBPP workflow includes generating a state machine implementing the EBPP workflow. Moreover, embodiments include configuring one or more business logic scripts by the EBPP workflow configuration module to implement the EBPP workflow as well as configuring one or more view templates by the EBPP workflow configuration module to implement the EBPP workflow.