Resource Transfer Interface with Theme-Based Message Customization

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Solution Overview

Problem

Conventional systems for processing resource transfers between computing systems offer limited customization options for transfer data, restricting the ability of transferor entities to configure resource transfers to intended recipients.

Innovation Solution

The system provides a graphical user interface for configuring resource transfers, allowing transferors to select themes and multimedia content items, which are then used to customize message data associated with the transfer, enabling more comprehensive customization of resource transfer settings and data.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Extent of automation

If conventional systems process resource transfers automatically with limited configuration options, then processing speed and automation are improved, but customization capability and user control deteriorate

Engineering Contradiction:
Improveautomatic processingVSAvoidcustomization capability
Core Design Contradiction:
Extent of automationVSAdaptability or versatility

Solution Approach 1:

The system dynamically adjusts the level of automation based on user configuration needs. Transferors can configure transfer data templates that define specific parameters and constraints, allowing the system to automatically process transfers while respecting user-defined customization requirements. The configuration interface enables users to set up predefined templates for recurring transfers, balancing automation with adaptability.

Inventive Principle:
Principle #15Dynamics

2Adaptability or versatility

If the system provides extensive customization options for transfer data, then adaptability and user control are improved, but system complexity and configuration difficulty worsen

Engineering Contradiction:
Improvecustomization capabilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The transfer data configuration is segmented into multiple hierarchical levels: transfer templates, transfer data elements, and specific parameter settings. This segmentation allows users to configure transfers at different levels of detail without being overwhelmed by the entire system's complexity. Users can define high-level templates for recurring transfers and let the system handle lower-level details automatically.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system performs preliminary actions by pre-configuring transfer data templates with commonly used parameters and settings. This allows users to start with pre-defined templates and only modify the specific parameters they need to change, rather than configuring every parameter from scratch. The system also pre-validates configurations to prevent errors before transfers are executed.

Inventive Principle:
Principle #10Preliminary action

3Manufacturing precision

If the system requires detailed configuration for each resource transfer, then customization precision is improved, but processing time and operational complexity worsen

Engineering Contradiction:
Improveconfiguration precisionVSAvoidprocessing time
Core Design Contradiction:
Manufacturing precisionVSLoss of time

Solution Approach 1:

The system uses transfer data templates as reusable copies of commonly configured transfers. Once a transfer configuration is created and validated, it can be copied and reused multiple times with minimal modifications. This eliminates the need to reconfigure the same transfer parameters repeatedly, maintaining precision while reducing time loss for recurring transfers.

Inventive Principle:
Principle #26Copying

4Ease of operation

If the system provides comprehensive transfer configuration options including themes and multimedia, then user experience and customization are improved, but ease of operation deteriorates due to increased complexity

Engineering Contradiction:
Improveuser experienceVSAvoidinterface complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The interface presents different levels of configuration options in different regions or sections, allowing users to access detailed customization features only when needed. The basic transfer configuration remains simple and straightforward, while advanced options like themes and multimedia content are available in dedicated sections for users who require them, maintaining ease of operation for simple tasks while providing comprehensive customization when needed.

Inventive Principle:
Principle #3Local quality

Data Source

PatentUS12131302B2Systems and methods for configuring resource transfers
Publication Date: 2024.10.29 THE TORONTO DOMINION BANK
  • US12131302B2 patent drawing
  • US12131302B2 patent drawing
  • US12131302B2 patent drawing

AI summary

A computer-implemented method is disclosed. The method includes: providing, for display on a client device, a graphical user interface for configuring resource transfers with theme data for a theme, wherein providing the graphical user interface includes: receiving, via the client device, a selection of a theme associated with a first type; determining multimedia content items to present via the graphical user interface based on the selected theme and a mapping of message themes to available multimedia content items; and graphically presenting, via the graphical user interface, one or more user interface elements corresponding to the multimedia content items in a message composition view for a message, and causing a message composed via the message composition view and a concurrent transfer of resources comprising stored value associated with the message to be sent.