Secured Transfer Medium Graduation with Single-API Automation

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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 during termination processes.

Innovation Solution

A transfer medium management system that reduces communication overhead by using a single API call for transitions and automates the return of entity resources, eliminating manual review and input through automated sequence verification and orchestration.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual verification and input processes are used for transfer medium termination, then operational flexibility is maintained, but resource usage increases and time consumption increases

Engineering Contradiction:
Improvetransition speedVSAvoidtime consumption
Core Design Contradiction:
ProductivityVSLoss of time

Solution Approach 1:

The system automatically verifies entity identifiers and processes termination requests without manual intervention. The evaluation module autonomously determines eligibility for unsecured transfer medium transition, and the transfer medium module automatically executes the transition, eliminating time-consuming manual verification and input processes

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

Manual mechanical processes of verification and input are replaced with automated electronic systems. The evaluation module uses electronic criteria assessment instead of manual review, and the orchestration platform handles automated coordination instead of manual coordination, significantly reducing time consumption

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Productivity

If multiple communication calls are used for transition processes, then process completeness is ensured, but resource usage increases

Engineering Contradiction:
Improveresource usage efficiencyVSAvoidcommunication overhead
Core Design Contradiction:
ProductivityVSLoss of energy

Solution Approach 1:

Multiple separate communication calls for verification, evaluation, and transition are merged into a single integrated API call. The orchestration platform consolidates these operations into one coordinated request, reducing communication overhead while maintaining process completeness through integrated handling

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The single API call performs multiple functions including verification, evaluation, and transition initiation simultaneously. This multi-functional approach eliminates the need for multiple separate communication calls, reducing resource usage while ensuring all necessary process steps are completed

Inventive Principle:
Principle #6Universality (Multi-functionality)

3Reliability

If manual review processes are used for entity transitions, then accuracy can be verified, but error rates increase and time consumption increases

Engineering Contradiction:
Improvetransition accuracyVSAvoidprocessing efficiency
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The evaluation module provides automated feedback on entity eligibility based on predefined criteria. This automated feedback mechanism ensures consistent and accurate determination of transition eligibility while eliminating manual review errors, maintaining high reliability without sacrificing productivity

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS12379968B1Secured transfer medium management and graduation
Publication Date: 2025.08.05 THE HUNTINGTON NAT BANK
  • US12379968B1 patent drawing
  • US12379968B1 patent drawing
  • US12379968B1 patent drawing

AI summary

Techniques are described herein for determining whether entities are eligible to transition from a secured transfer medium to an unsecured transfer medium. A set of entities can be identified where the set of entities each have a respective secured transfer medium assigned after providing a respective portion of entity resources. Each secured transfer medium can have a respective resource usage threshold equivalent to the respective portion of entity resources. An entity of the set of entities can be evaluated to determine whether to transition the entity to the unsecured transfer medium. The entity can be evaluated based on an evaluation indicator associated with the entity and a set of criteria related at least in part to resource usage of the entity. Based on determining to transition the entity to the unsecured transfer medium, a graduation request can be transmitted to initiate a transition to the unsecured transfer medium.