Gateway System for Cross-Platform Resource Transfer Coordination

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Traditional computing systems face challenges in maintaining compatibility during resource transfers across different hardware and software platforms, making it difficult to update program code and ensuring seamless user experiences as resource transfers become more complex.

Innovation Solution

A gateway system that communicates with various computing systems via an API, allowing for efficient coordination of resource transfers while ensuring compatibility, and includes a data analytics engine to predict user and recipient actions, recommending optimal platforms and executing transfers securely across multiple third-party systems.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional computing systems use specifically programmed software to coordinate resource transfers, then compatibility with various computing systems can be achieved, but the difficulty and complexity of updating program code increases as more systems are implicated

Engineering Contradiction:
ImprovecompatibilityVSAvoidprogram code complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces a gateway as an intermediary component that mediates between the user interface and multiple resource transfer platforms. This gateway handles the complexity of integrating with different platforms (banks, payment processors, etc.) while presenting a unified interface to users. The gateway acts as a buffer that absorbs the complexity of platform-specific protocols and requirements, allowing the core system to remain relatively simple while maintaining compatibility with numerous external systems.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system is segmented into distinct functional components: user interface layer, gateway layer, and platform-specific integration layers. Each layer handles specific responsibilities independently. The gateway layer is further segmented to work with different resource transfer platforms through standardized interfaces. This segmentation allows updates to individual platform integrations without requiring changes to the entire system, reducing the complexity burden across the whole codebase.

Inventive Principle:
Principle #1Segmentation

2Reliability

If traditional computing systems specifically program software for each computing system, then compatibility is maintained, but the time and resources required for updates increase

Engineering Contradiction:
ImprovecompatibilityVSAvoidupdate time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The gateway is designed with universal functionality to work with multiple resource transfer platforms through a standardized interface. Instead of creating separate integration code for each platform, the gateway provides a single point of integration that can adapt to different platforms. This multi-functionality allows the system to maintain compatibility with numerous platforms while requiring minimal updates when adding or modifying platform support, as the gateway's universal design absorbs most of the adaptation work.

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

3Adaptability or versatility

If resource transfers are coordinated across different hardware and software platforms, then versatility is improved, but the difficulty of ensuring seamless user experience increases

Engineering Contradiction:
Improveplatform compatibilityVSAvoidsystem integration complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The gateway serves as a mediating layer that translates between the unified user interface and the diverse underlying platforms. It handles platform-specific protocols, authentication mechanisms, and data formats, presenting a consistent experience to users regardless of which platform is being used. This mediation approach allows the system to support diverse platforms while keeping the user-facing complexity low, as users interact only with the standardized gateway interface.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system employs dynamic adaptation mechanisms where the gateway can adjust its behavior based on the specific platform being accessed. Rather than using rigid, platform-specific code paths, the system dynamically selects and configures appropriate communication protocols and interfaces at runtime. This dynamic approach allows seamless handling of multiple platforms while maintaining a unified user experience, as the adaptation happens transparently behind the scenes.

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS10805424B2System for sending digital requests for resource transfers
Publication Date: 2020.10.13 BANK OF AMERICA CORP
  • US10805424B2 patent drawing
  • US10805424B2 patent drawing
  • US10805424B2 patent drawing

AI summary

The invention provides a gateway system for sending and coordinating digital requests for resource transfers amongst various computing systems. Typically, the various computing systems are configured to operate on different hardware and/or software platforms. Accordingly, the gateway system communicates with the various computing systems via an API, which provides an efficient way to coordinate resource transfers amongst the various computing systems while ensuring present and future compatibility with the various platforms during the resource transfer process.