Resource Transfer Device Pairing Through Wireless Authentication

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Solution Overview

Problem

Existing electronic resource transfer systems are inefficient and prone to errors due to manual entry of resource transfer device details and lack seamless integration with wireless networks, particularly in private networks, compromising security.

Innovation Solution

A system for pairing resource transfer devices with private wireless networks, enabling electronic resource transfers through user characteristic authentication, eliminating manual input, and ensuring secure integration with endpoint devices.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual entry of resource transfer device details is used, then device pairing can be achieved, but efficiency decreases and errors increase

Engineering Contradiction:
Improveresource transfer efficiencyVSAvoidmanual input requirement
Core Design Contradiction:
ProductivityVSEase of operation

Solution Approach 1:

The resource transfer device automatically pairs with the wireless network by utilizing its own transmitted signal for authentication, eliminating the need for manual entry of device details. The system performs self-configuration and self-authentication, allowing the device to service itself without user intervention for pairing operations.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent replaces manual mechanical input (typing device details) with automated signal-based communication. The resource transfer device transmits its own signal characteristics to the system, which automatically extracts and uses this information for pairing, substituting manual data entry with automated signal processing.

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

2Reliability

If strict security checks are implemented in public networks, then security improves, but ease of operation decreases

Engineering Contradiction:
Improvesecurity protectionVSAvoidcommunication seamless integration
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent implements different security characteristics for different network types. Private networks are configured with reduced security checks and restrictions compared to public networks, allowing seamless integration. The system automatically identifies the network type and applies appropriate security levels, providing local quality differentiation in security enforcement.

Inventive Principle:
Principle #3Local quality

Solution Approach 2:

The security check intensity is made dynamic rather than static. The system automatically adjusts the level of security checks based on the network type (public vs. private) and contextual factors. In private networks, the system implements less strict security checks to enable seamless device integration, while maintaining security through automated authentication mechanisms.

Inventive Principle:
Principle #15Dynamics

3Ease of operation

If automated pairing is implemented, then ease of operation improves, but device complexity increases

Engineering Contradiction:
Improvepairing automationVSAvoidauthentication system complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The wireless network signal serves multiple functions simultaneously: it provides network connectivity, carries authentication information, and enables device identification. By making the signal multi-functional, the system avoids adding separate complex authentication hardware or protocols, reducing overall system complexity while achieving automated pairing.

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

Solution Approach 2:

The patent uses the existing wireless network signal as an intermediary carrier for authentication information. Instead of implementing a separate complex authentication protocol, the system embeds authentication data within the standard network signal transmission, using the signal itself as the mediator between devices and the authentication system.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS12413971B2System and method for electronic resource transfers in a distributed network via network-paired resource transfer devices
Publication Date: 2025.09.09 BANK OF AMERICA CORP
  • US12413971B2 patent drawing
  • US12413971B2 patent drawing
  • US12413971B2 patent drawing

AI summary

Systems, computer program products, and methods are described herein for electronic resource transfers in a distributed network via network-paired resource transfer devices. The present invention is configured to receive login credentials from a user via a user interface of an endpoint device to access an account, determine, in response to a prompt by the user, at least one network device on a wireless network, wherein the at least one network device may include a resource transfer device, display the resource transfer device on the user interface, receive a selection of the resource transfer device via the user interface, activate a user characteristic authentication feature of the resource transfer device, and receive a signal of an authenticated user characteristic from the resource transfer device.