Unified Resource Provider Aggregation Interface

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Solution Overview

Problem

The proliferation of mobile devices and applications has increased competition among resource providers, leading to inefficiencies for users who must navigate multiple platforms to find the best resource offerings, often requiring repetitive information input and complex transaction processes.

Innovation Solution

A system that aggregates content from multiple resource providers based on user requests, utilizing historical transaction data to identify preferred providers and presenting an aggregated list of offers, along with context-based content, to streamline the transaction process on a client device.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If users access multiple resource provider applications to compare offers, then they can find the best resource provider, but the user experience becomes complex and time-consuming

Engineering Contradiction:
Improveresource provider comparison accuracyVSAvoiduser interface complexity
Core Design Contradiction:
Measurement precisionVSEase of operation

Solution Approach 1:

The patent merges multiple resource provider applications and their content into a single unified application interface. The service provider computer receives requests from the user device, identifies multiple resource providers, retrieves content from each provider's application, and presents aggregated content from all providers in one unified interface, eliminating the need for users to switch between multiple applications.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The service provider computer acts as an intermediary between the user device and multiple resource provider computers. It receives the user's resource request, communicates with multiple resource provider applications to gather their content, and relays the aggregated content back to the user device, simplifying the interaction model for users.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If users manually input information to each resource provider application, then they can provide complete transaction information, but the process becomes inefficient and repetitive

Engineering Contradiction:
Improvetransaction information completenessVSAvoidtransaction processing efficiency
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The system performs preliminary actions by storing the user's transaction information in advance. When a user submits a resource request, the service provider computer automatically retrieves the stored transaction information and incorporates it into the request sent to resource providers, eliminating the need for users to manually re-input the same information for each provider.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system enables self-service by automatically managing the transaction information flow. The service provider computer autonomously retrieves stored user information, formats it appropriately, and includes it in communications with resource providers without requiring active user intervention for each interaction.

Inventive Principle:
Principle #25Self-service

3Adaptability or versatility

If resource providers compete independently across multiple platforms, then market competition increases, but the transaction complexity for users increases

Engineering Contradiction:
Improveresource provider competitionVSAvoidtransaction system complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The service provider computer provides universal functionality by serving as a common platform that interfaces with multiple resource providers simultaneously. It handles requests from users and coordinates with multiple resource provider applications through a standardized process, allowing users to access competitive offers from multiple providers through a single unified interface rather than navigating multiple separate platforms.

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

Data Source

PatentUS11144907B2Resource provider aggregation and context-based content notification system
Publication Date: 2021.10.12 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US11144907B2 patent drawing
  • US11144907B2 patent drawing
  • US11144907B2 patent drawing

AI summary

Described herein is a service provider computer and corresponding techniques for, in response to receiving a request for a resource from a client device, aggregating resource provider content and presenting that content via a client device. The service provider computer may identify a number of resource provider computers capable of providing the requested resource. In some embodiments, this may involve communicating with a transaction processing network to identify resource provider computers with which the user has previously transacted. The service provider computer may transmit details of the received request to each of the resource provider computers in the identified number of resource provider computers. The service provider computer may then relay a number of received responses to the client device. In some embodiments, the service provider computer may also identify additional context-based content related to the request and provide that context-based content to the client device.