Encapsulated Financial Message Routing for Mobile Devices

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Solution Overview

Problem

Existing financial message transmission systems do not effectively leverage the capabilities of mobile devices, particularly in terms of location awareness and limited display size, making it inconvenient for users to view and respond to financial messages.

Innovation Solution

A financial messaging apparatus that encapsulates financial messages with actions based on message characteristics and recipient information, including geo-location restrictions, routing rules, and priority settings, to optimize transmission and display on mobile devices.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If financial messages are transmitted using traditional systems, then message delivery is achieved, but user convenience and mobile device optimization are poor

Engineering Contradiction:
Improveuser convenienceVSAvoidmobile device optimization
Core Design Contradiction:
Ease of operationVSAdaptability or versatility

Solution Approach 1:

The patent applies local quality by customizing message transmission and display based on specific mobile device characteristics. The system analyzes message characteristics and recipient information to determine optimal display formats, routing preferences, and geo-location restrictions tailored to each user's device and location, rather than using a one-size-fits-all approach.

Inventive Principle:
Principle #3Local quality

Solution Approach 2:

The patent implements dynamics by making the message transmission system adaptive and flexible. The system dynamically adjusts message routing, display timing, and access restrictions based on real-time factors such as user location, device capabilities, and message priority, allowing the system to respond to changing conditions rather than following rigid predetermined paths.

Inventive Principle:
Principle #15Dynamics

2Reliability

If financial messages are transmitted without encapsulation, then transmission speed is maintained, but message security and routing control are reduced

Engineering Contradiction:
Improvemessage securityVSAvoidmessage structure
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies the nested doll principle by encapsulating the financial message within an outer envelope structure. The message is placed inside an encapsulated format that contains additional layers of control information, including routing instructions, geo-location restrictions, and access conditions. This nested structure adds security and control without fundamentally changing the core message content.

Inventive Principle:
Principle #7Nested doll (Nesting)

3Reliability

If geo-location restrictions are implemented, then message security is improved, but message accessibility is limited

Engineering Contradiction:
Improvemessage securityVSAvoidmessage accessibility
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent applies preliminary action by pre-configuring geo-location restrictions and routing preferences into the encapsulated message before transmission. The system anticipates potential security issues by establishing location-based access rules in advance, so that when the message reaches the user, the security controls are already in place and do not require real-time intervention, thus maintaining both security and accessibility.

Inventive Principle:
Principle #10Preliminary action

4Ease of operation

If message routing is optimized for mobile devices, then user experience is improved, but network infrastructure complexity increases

Engineering Contradiction:
Improveuser experienceVSAvoidnetwork infrastructure
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The patent applies the intermediary principle by introducing an encapsulation layer that acts as a mediator between the traditional financial message system and mobile devices. This encapsulated format includes embedded routing instructions and device-specific parameters that guide message delivery through the network, allowing optimized mobile delivery without requiring complex changes to the underlying network infrastructure.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS10142267B2Method for tracking and routing financial messages for mobile devices
Publication Date: 2018.11.27 BOTTOMLINE TECHNOLOGIES INC
  • US10142267B2 patent drawing
  • US10142267B2 patent drawing
  • US10142267B2 patent drawing

AI summary

A financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.