NFC Tag Embedded in Resource Distribution Documents

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Solution Overview

Problem

Current resource distribution methods rely on physical documents, requiring manual exchange and processing, which is inefficient and lacks automation, necessitating a transition to fully electronic systems to eliminate the need for physical document exchange.

Innovation Solution

Embedding a short-range wireless tag, such as a Near-Field Communication (NFC) tag, in resource distribution request documents to store instructions for electronic processing, allowing mobile devices with NFC readers to automate the completion of resource distributions and arrange subsequent requests electronically.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If physical resource distribution documents are used, then the system is simple and easy to understand, but the process is manual and inefficient

Engineering Contradiction:
Improveresource distribution efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent introduces a mobile communication device as an intermediary between the physical document and the electronic processing system. The NFC tag on the physical document communicates with the mobile device, which then facilitates electronic resource distribution, thereby bridging the gap between simple physical documents and complex electronic systems without requiring complete system replacement

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical manual document exchange process with an electronic system using NFC technology. The physical document still exists but serves as a trigger for electronic processing, substituting the manual handling and exchange of documents with automated electronic communication and processing

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Extent of automation

If physical documents are exchanged manually, then the process is straightforward, but it requires manual intervention and time consumption

Engineering Contradiction:
Improveresource distribution automationVSAvoiddocument processing time
Core Design Contradiction:
Extent of automationVSLoss of time

Solution Approach 1:

The physical document is prepared in advance with an embedded NFC tag containing instructions for electronic processing. This preliminary preparation allows the document to automatically trigger the electronic resource distribution process when scanned by a mobile device, eliminating the need for manual data entry and processing steps

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system enables self-service by allowing the physical document to automatically initiate the electronic processing sequence through NFC communication. The mobile communication device reads the instructions from the NFC tag and automatically proceeds with resource distribution without requiring continuous manual intervention

Inventive Principle:
Principle #25Self-service

3Adaptability or versatility

If conventional physical documents are used, then the system is simple to implement, but it cannot facilitate automated electronic processing

Engineering Contradiction:
Improveelectronic processing capabilityVSAvoidsystem implementation ease
Core Design Contradiction:
Adaptability or versatilityVSEase of manufacture

Solution Approach 1:

The physical document is designed with multi-functionality by embedding an NFC tag that enables both traditional physical document functions and electronic processing capabilities. The same document serves as both a physical record and an electronic trigger, allowing the system to maintain simplicity while gaining electronic processing adaptability

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

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

Enables fully automated electronic resource distribution, eliminating the need for physical documents and facilitating seamless, efficient transactions between resource providers and requesters, including automatic processing and real-time payments.

Implementation Method 1

embedding a short-range wireless tag/chip, such as a Near-Field Communication (NFC) tag or the like in a resource distribution request

Methodology Applied
Scientific EffectNear-Field Communication (NFC): Electromagnetic Induction

Data Source

PatentUS10998937B2Embedded tag for resource distribution
Publication Date: 2021.05.04 BANK OF AMERICA CORP
  • US10998937B2 patent drawing
  • US10998937B2 patent drawing
  • US10998937B2 patent drawing

AI summary

Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.