Secured Transfer Medium Transition With Single-Call Resource Return

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Solution Overview

Problem

Conventional transfer medium management systems face inefficiencies in transitioning entities from secured to unsecured transfer mediums due to resource-intensive and time-consuming communication processes, manual verification of entity identifiers, and error-prone manual input, leading to delays and inaccuracies.

Innovation Solution

A transfer medium management system that utilizes a single API call for transitioning and automates the return of entity resources, reducing manual review and input, thereby minimizing communication overhead and enhancing efficiency.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual verification and input processes are used for transfer medium transitions, then operational flexibility is maintained, but processing time and error rates increase

Engineering Contradiction:

Improvetransition processing speedVSAvoidautomation system complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The patent replaces manual mechanical verification processes with automated electronic verification systems. The transfer medium management system automatically verifies entity identifiers and processes transition requests through electronic APIs, eliminating the need for manual intervention in verification steps while maintaining operational flexibility through programmed decision logic.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system enables self-service automation where the transfer medium management system autonomously processes transition requests without requiring manual verification. The automated system performs identity verification, resource calculation, and transition execution independently, reducing processing time while the system manages its own operational complexity through integrated software modules.

Inventive Principle:

Principle #25Self-service

2Reliability

If multiple communication calls are used for transition processes, then thorough verification is achieved, but resource usage and response time increase

Engineering Contradiction:

Improveverification accuracyVSAvoidcommunication resource consumption

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

The patent merges multiple separate verification and communication calls into a single integrated API call. The transfer medium management system combines identity verification, resource status checking, and transition processing into one unified communication request, achieving thorough verification while minimizing the number of communication calls and reducing overall resource consumption.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The single API call serves multiple functions simultaneously: it verifies entity identity, checks resource availability, calculates transition parameters, and initiates the actual transition. This multi-functional approach eliminates the need for separate verification calls while maintaining comprehensive verification accuracy, thereby reducing communication resource usage.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Measurement precision

If manual review processes are used for entity resources, then detailed verification is possible, but processing time increases

Engineering Contradiction:

Improveresource verification precisionVSAvoidtransition processing time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The patent substitutes manual review processes with automated electronic verification. The system automatically calculates and verifies entity resource requirements through programmed algorithms, achieving precise resource verification without the time consumption of manual review. The automated system processes resource calculations instantaneously while maintaining the same level of precision.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS12567105B1Secured transfer medium management and graduation

Publication Date: 2026.03.03 THE HUNTINGTON NAT BANK

AI summary

Techniques are described herein for deactivating a secured transfer medium of an entity. The secured transfer medium of the entity can be identified based at least on the secured transfer medium having a closed status. Based on the secured transfer medium, a secured location at which a portion of entity resources is reserved can be determined. The entity can provide the reserved entity resources to obtain the secured transfer medium. The reserved entity resources can be returned at least in part to the entity as part of deactivating the secured transfer medium. A return process to return at least a subset of the reserved entity resources to the entity can be initiated. The secured transfer medium can be deactivated such that the entity is unable to access system resources using the secured transfer medium.