Resource Transfer Event Messaging with User Data
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Solution Overview
Problem
Current resource transfer event messaging systems are limited in conveying user data beyond resource account identifiers, leading to network congestion and potential delays due to the high volume of messages required for resource transfer events.
Innovation Solution
Incorporating additional user data, such as preferences and contact information, into resource transfer event messages, which are stored by resource storage entities, reducing the need for separate messages and enabling real-time processing networks to handle transactions more efficiently.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If additional user data is included in resource transfer event messages, then the resource storage entity can associate user preferences with the resource transfer event, but the network traffic volume increases and processing burden increases
Solution Approach 1:
The patent combines multiple data elements (resource account identifier, user preferences, contact information, delivery instructions) into a single resource transfer event message. This merging approach allows the resource storage entity to receive comprehensive user data in one message rather than multiple separate messages, thereby associating complete user information with the resource transfer event while actually reducing the total number of messages transmitted on the network.
2Loss of information
If additional user data is included in resource transfer event messages, then the resource storage entity can associate user preferences with the resource transfer event, but the message complexity increases
Solution Approach 1:
The patent segments the resource transfer event message into distinct, well-defined fields including resource account identifier data, user preference data, contact information, and delivery instructions. Each field has a specific purpose and data format, which simplifies processing despite the comprehensive nature of the data. This structured segmentation allows the resource storage entity to easily parse and associate different types of user data with the resource transfer event without being overwhelmed by message complexity.
3Productivity
If the volume of resource transfer event messages is reduced, then the network burden is lessened and delays are minimized, but the resource storage entity may not receive sufficient user data to properly process events
Solution Approach 1:
The patent incorporates all necessary user data (preferences, contact information, delivery instructions) into the resource transfer event message before transmission to the resource storage entity. This preliminary inclusion of complete user data ensures that the resource storage entity receives sufficient information in advance to properly validate and process the resource transfer event without requiring additional follow-up messages or data requests, thereby enabling fast real-time processing while maintaining data completeness.
Data Source
AI summary
Configuring resource transfer event messages to include, not only the user data required to affect the resource transfer (e.g., resource repository identifier and the like), but other user data related to the resource transfer event, such as user preference data. The resource transfer event messages are communicated to resource storage entities that subsequently store user records that associate users with the resource transfer events and the additional user data. In this regard, a security benefit is realized, in that, resource storage entities can leverage the additional data to investigate potential nefarious actions. Moreover, by including the additional user information in resource transfer event messages communicated to resource storage entities, the volume of resource transfer event messages or other network-based messages is lessened thereby limiting network traffic and making the overall process more efficient and effective.