Automated Resource Transfer via Message Scanning

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Solution Overview

Problem

Individuals face challenges in managing and processing numerous resource request messages, such as bill payment notifications, which are often buried among other emails, requiring manual sorting and data entry to initiate payments, leading to inefficiencies and increased labor in transferring resources to various service providers.

Innovation Solution

A system and method that utilize a client device, resource server, and message server to identify resource request messages, such as bill payment notifications, through defined criteria, generate transfer request alerts, and facilitate resource transfers by allocating resources based on user preferences and scheduling criteria, reducing the need for manual data entry and sorting.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If manual sorting and data entry is used to process resource request messages, then users can accurately identify and process payment notifications, but the time and effort required to manage multiple messages increases significantly

Engineering Contradiction:

Improveaccuracy in identifying resource request messagesVSAvoidtime required to sort and process messages

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The system enables self-service by automatically identifying resource request messages and generating transfer requests without requiring manual user intervention. The message server autonomously scans messages, extracts payment information, and initiates transfers based on predefined criteria, freeing users from time-consuming manual processing while maintaining accurate identification of legitimate payment requests

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The patent replaces the mechanical manual sorting and data entry process with an automated electronic system. Instead of users manually reading and processing each message, the system uses automated message scanning, pattern recognition, and data extraction algorithms to identify resource request messages and populate transfer information, dramatically reducing processing time while maintaining accuracy

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If users manually process each resource request message, then they can control and verify each transfer, but the complexity and labor involved in managing numerous messages increases

Engineering Contradiction:

Improveuser control over resource transfersVSAvoidease of managing multiple payment notifications

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system introduces an intermediary automated processing layer between the user and the numerous resource request messages. This intermediary automatically filters, identifies, and prepares transfer requests based on predefined criteria, presenting users with consolidated, pre-verified transfer options rather than requiring them to manually process each individual message, thus maintaining control while simplifying operation

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system implements multi-functionality by combining message scanning, information extraction, transfer request generation, and user notification into a single automated workflow. This universal system handles diverse resource request messages from multiple sources using the same processing logic, reducing the operational complexity of managing numerous different payment notifications through a unified interface

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Productivity

If automated identification of resource request messages is implemented, then processing efficiency increases, but the system complexity increases

Engineering Contradiction:

Improveefficiency of processing resource request messagesVSAvoidcomplexity of the automated processing system

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The automated processing system is segmented into distinct functional modules: a message server for scanning and identifying resource request messages, a data extraction component for retrieving transfer information, a transfer request generator for creating payment requests, and a notification system for user alerts. This segmentation allows each component to perform its specific function efficiently while reducing overall system complexity through modular design and clear separation of concerns

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS20230394452A1Configuring data transfers based on electronic messages

Publication Date: 2023.12.07 THE TORONTO DOMINION BANK

AI summary

Configuring data transfers based on electronic messages. A system includes a communication module, a processor, and a memory. The memory stores instructions that, when executed, configure the processor to: receive, from a client device, an authentication credential and associate the authentication credential with a client record. The processor identifies, based on delegated access to query a message account at a message server, a resource request message associated with the message account using a defined criteria. The processor obtains, based on the resource request message, a resource parameter to define a proposed resource transfer to a recipient entity. The processor generates and transmits, to the client device, a transfer request alert based on the proposed resource transfer for display at the client device. In response to receiving, from the client device, a selection of a selectable option, the processor allocates a resource to the recipient entity.