Configurable Global Money Transfer Module Platform

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Solution Overview

Problem

Current methods for updating web and mobile applications for global money transfers are time-consuming and resource-intensive due to the need for country-specific compliance with ever-changing regulatory requirements, requiring individual updates and hard-coding for various app stores.

Innovation Solution

A global module platform with a configurable framework that supports diverse regulatory requirements, using a sync adapter library and common API to update mobile applications continuously and automatically, reducing the need for frequent app store submissions and allowing for country-specific configurations without significant hard-coding.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If individual country-specific application updates are implemented manually, then compliance with regulatory requirements is achieved, but time consumption and resource intensity increase significantly

Engineering Contradiction:

Improvecompliance with regulatory requirementsVSAvoidtime consumption for updates

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The application is divided into country-specific modules, each handling regulatory requirements for a particular jurisdiction. This segmentation allows independent configuration and updating of each country's compliance rules without affecting other regions, enabling automated updates through a centralized management system that distributes changes to relevant modules only.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

A universal configuration framework is implemented that can handle multiple country-specific regulatory requirements through a single system. This framework provides common functionality for managing compliance rules across all countries, allowing centralized update deployment that automatically adapts to each target country's specific requirements without manual intervention.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If individual country-specific application updates are implemented manually, then compliance with regulatory requirements is achieved, but resource consumption increases significantly

Engineering Contradiction:

Improvecompliance with regulatory requirementsVSAvoidresource efficiency

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system implements self-service capabilities where the configuration framework automatically detects, configures, and deploys compliance updates to the appropriate country modules without requiring manual developer intervention. The system autonomously manages the update lifecycle, reducing resource consumption by eliminating repetitive manual tasks.

Inventive Principle:

Principle #25Self-service

3Reliability

If frequent app store submissions are required for updates, then regulatory compliance is maintained, but user interaction and complexity increase

Engineering Contradiction:

Improveregulatory complianceVSAvoidupdate deployment complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

Compliance configurations and regulatory rule changes are prepared and validated in advance within the development environment before deployment. The configuration framework performs preliminary checks and preparations, ensuring that updates are ready for immediate deployment without requiring multiple iterative app store submissions, thus reducing deployment complexity and time.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

A configuration framework acts as an intermediary layer between the application code and the app store submission process. This framework manages the complexity of compliance configurations and handles update packaging, validation, and submission logistics, shielding developers from the intricacies of frequent app store processes while maintaining regulatory compliance.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS11651348B2Systems and methods for implementing global money transfers

Publication Date: 2023.05.16 WESTERN UNION CO

AI summary

Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.