External Resource Access Control for Data Transfer Overload

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Solution Overview

Problem

Users face difficulties in accessing external resources for resource transfers due to unawareness of their availability and complexity in identifying when to use them, leading to potential overload conditions and inefficient resource management.

Innovation Solution

A computing system that determines whether external resources should be accessed for a transfer based on account data, prompting users with query messages to select the option to use external resources when available and sufficient, thereby preventing overload conditions and optimizing resource control.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If resources are transferred directly from the logical storage area, then the transfer request is fulfilled, but future overload conditions may occur due to resource shortfall

Engineering Contradiction:
Improvetransfer request fulfillmentVSAvoidfuture resource availability
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The system performs preliminary analysis of account data and external resource availability before executing the transfer. It proactively identifies suitable external resources that can be accessed to fulfill the transfer request, preventing future overload conditions by ensuring sufficient resources are available both immediately and for future needs.

Inventive Principle:
Principle #10Preliminary action

2Adaptability or versatility

If external resources are made accessible to users, then resource management flexibility improves, but users face difficulty in identifying when to use them

Engineering Contradiction:
Improveresource access flexibilityVSAvoiduser decision complexity
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The system analyzes account data and external resource availability, then provides feedback to users through query messages that present tailored options. The feedback includes specific recommendations on when and how to access external resources based on the user's account status and available external resources, simplifying the decision-making process.

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The system automatically performs the complex analysis of account data and external resource matching, then presents simplified options to the user. The user only needs to make a simple selection from pre-analyzed options, while the system handles the complex resource identification and recommendation process.

Inventive Principle:
Principle #25Self-service

3Productivity

If the system provides real-time access to external resources, then resource management efficiency improves, but users may make uninformed decisions without proper information

Engineering Contradiction:
Improveresource management efficiencyVSAvoiduser awareness of external resources
Core Design Contradiction:
ProductivityVSLoss of information

Solution Approach 1:

The system provides real-time feedback to users through query messages that include specific information about available external resources, their suitability for the transfer request, and recommendations on whether to access them. This feedback ensures users make informed decisions while maintaining real-time access efficiency.

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The system performs preliminary analysis of external resource availability and suitability before presenting options to the user. This preliminary action ensures that users receive curated, relevant information about external resources that are actually appropriate for their specific transfer request, rather than overwhelming them with all possible external resources.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20240094960A1Systems and methods for real time access to external resource
Publication Date: 2024.03.21 THE TORONTO DOMINION BANK
  • US20240094960A1 patent drawing
  • US20240094960A1 patent drawing
  • US20240094960A1 patent drawing

AI summary

A computer-implemented method is disclosed. The method includes: receiving an initiation request for a data transfer associated with a terminal; determining that a resource external to the first logical storage area should be accessed to complete the data transfer; in response to determining that the resource external to the first logical storage area should be accessed to complete the data transfer, triggering a query message to an electronic device accessible to an entity associated with the first logical storage area, the query message prompting for an instruction to access the resource external to the first logical storage area to complete the transfer; receiving, from the electronic device, an instruction to access the resource external to the first logical storage area to complete the transfer; and in response to receiving the instruction, effecting the transfer using the resource external to the first logical storage area.