Roaming Partner Processor for Seamless M2M Data Transactions

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Solution Overview

Problem

Users face inefficiencies and additional costs when accessing data processing services from a home computing infrastructure while in a foreign region due to compatibility issues and the need for intermediary services.

Innovation Solution

The system automatically determines and coordinates with pre-authorized partner processors in foreign regions for seamless data processing transactions between home and partner processors, eliminating the need for intermediary services and optimizing network performance.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If a foreign computing infrastructure is used to access data processing services while traveling, then access to services is enabled, but compatibility issues arise and additional costs are incurred

Engineering Contradiction:
Improveaccess to data processing servicesVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces a roaming partner processor as an intermediary between the user device and home processor. This mediator establishes pre-configured connections that enable seamless data processing transactions without requiring the user to directly interface with incompatible foreign infrastructures, thus resolving compatibility issues while maintaining service accessibility

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary actions by pre-configuring associations between home processors and roaming partner processors before travel. This advance setup includes establishing trust relationships and communication protocols, eliminating the need for complex real-time compatibility negotiations when the user actually needs to access services abroad

Inventive Principle:
Principle #10Preliminary action

2Ease of operation

If an intermediary data service is used to communicate between home and foreign infrastructure, then communication is enabled, but processing efficiency decreases and additional costs are passed to the user

Engineering Contradiction:
Improvecommunication capabilityVSAvoidprocessing efficiency
Core Design Contradiction:
Ease of operationVSProductivity

Solution Approach 1:

The roaming partner processor serves as a direct intermediary that maintains pre-configured associations with home processors. This dedicated mediator enables efficient data transfer by eliminating the need for generic intermediary data services, thus preserving processing efficiency while enabling communication between incompatible infrastructures

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

Pre-configured associations are established in advance between roaming partner processors and home processors, including pre-negotiated data transfer protocols and trust relationships. This preliminary setup eliminates the need for real-time protocol negotiation and intermediary service intervention during actual data processing transactions, thereby maintaining high processing efficiency

Inventive Principle:
Principle #10Preliminary action

3Productivity

If M2M data transfer is implemented between user device, home processor, and partner processor, then data transfer efficiency improves, but system coordination complexity increases

Engineering Contradiction:
Improvedata transfer efficiencyVSAvoidcoordination complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system implements self-service mechanisms where the roaming partner processor autonomously authenticates data processing transactions using pre-configured associations with the home processor. This self-authentication capability eliminates the need for complex multi-party coordination protocols, enabling efficient M2M data transfer while keeping system coordination manageable

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system employs feedback mechanisms where authentication results and transaction status are automatically communicated between the roaming partner processor and home processor. This automated feedback loop enables efficient M2M data transfer by eliminating manual intervention while maintaining systematic coordination through standardized response protocols

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS11784981B2Data processing transactions using machine to machine (M2M) data transfer
Publication Date: 2023.10.10 BANK OF AMERICA CORP
  • US11784981B2 patent drawing
  • US11784981B2 patent drawing
  • US11784981B2 patent drawing

AI summary

A user device is provided. The user device is configured to detect that a user is in a foreign region outside a home region of the user, wherein the user is registered with a home processor located within the home region of the user. The user device provides a recommendation to the user of one or more partner processors located within the foreign region, wherein each of the one or more partner processors has a predetermined association with the home processor. The user device receives a selection of a partner processor selected by the user from the one or more partner processors. The user device authenticates a data processing transaction at the selected partner processor by verifying an identity of the user and initiates the data processing transaction at the selected partner processor after the authentication.