Selectable Transfer Methods for Fee-Free Data Completion
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Solution Overview
Problem
Existing data transfer systems often lack flexibility, as the transferor dictates the transfer protocol without considering the transferee's preferences, potentially leading to methods that are not acceptable to the transferee.
Innovation Solution
A server system that allows a transferee to select a transfer method with additional requirements, such as input-output modifiers, identity verification, or account information provision, to reduce or eliminate fees, thereby offering selectable options that cater to the transferee's preferences.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If the transferor selects the transfer protocol unilaterally, then the transfer process is simple and fast, but the transfer method may not be acceptable to the transferee
Solution Approach 1:
The patent inverts the traditional control structure by allowing the transferee (receiver) to select the transfer method instead of the transferor (sender). The system presents multiple transfer method options to the transferee, who then chooses their preferred method. This inversion resolves the contradiction by prioritizing the transferee's acceptance while maintaining system efficiency through automated processing of their selection.
Solution Approach 2:
The system dynamically adapts the transfer process by providing multiple selectable transfer methods with different requirements and characteristics. The transferee can choose from various options (e.g., different protocols, security levels, or fee structures) based on their needs. This dynamic approach allows the system to adjust to different transferee preferences while maintaining operational efficiency.
2Ease of operation
If the transferee completes additional requirements to select preferred transfer methods, then user control and satisfaction improve, but the transfer process complexity increases
Solution Approach 1:
The patent segments the transfer process into distinct phases: presenting transfer method options to the transferee, allowing selection from multiple methods with different requirements, and then executing the selected method. This segmentation allows the system to manage complexity by breaking down the decision-making process into manageable steps while maintaining user control.
Solution Approach 2:
The system performs preliminary actions by pre-configuring multiple transfer method options with their respective requirements before the transferee makes a selection. This allows the transferee to make an informed choice without encountering complexity during the actual transfer execution, as the system has already prepared and validated the selected method's requirements.
3Adaptability or versatility
If multiple transfer methods with additional requirements are offered, then transferee preferences are accommodated, but system complexity and processing time increase
Solution Approach 1:
The system implements partial action by offering a limited set of pre-defined transfer method options rather than allowing completely custom configurations. This approach provides sufficient versatility to accommodate different transferee preferences while avoiding the time loss associated with evaluating and processing fully custom transfer method creations. The system balances option diversity with processing efficiency.
Data Source
AI summary
A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a first computing device, a signal representing a data transfer request, the data transfer request including at least a transfer amount and a transfer address; send, via the communications module and to the transfer address, a signal including an electronic message, the electronic message including the transfer amount and at least one selectable option defining a transfer method, the at least one selectable option including a first selectable option defining a first transfer method that includes an additional requirement not required by a second transfer method; receive, via the communications module and from a second computing device, a signal indicating a selection of the at first selectable option defining the first transfer method; determine that the additional requirement has been completed; and when it is determined that the additional requirement has been completed, complete the data transfer using the first transfer method.