Stored-Value Card Transfer Triggers to Reduce Network Bandwidth

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Transfers of resources often occupy significant bandwidth on networks, necessitating efficient management to reduce network traffic.

Innovation Solution

A server computer system that includes a communications module, processor, and memory to manage stored-value cards by identifying them, updating records, and initiating transfers based on trigger conditions such as resource thresholds and network traffic levels, generating digital representations, and provisioning mobile wallets.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If resource transfers are performed at a high rate, then resource management efficiency is improved, but network bandwidth consumption increases significantly

Engineering Contradiction:
Improveresource transfer rateVSAvoidnetwork bandwidth
Core Design Contradiction:
ProductivityVSLoss of energy

Solution Approach 1:

The system implements periodic resource transfers based on trigger conditions rather than continuous high-rate transfers. Resources are transferred at specific intervals when predetermined conditions are met, reducing overall network bandwidth consumption while maintaining resource management effectiveness.

Inventive Principle:
Principle #19Periodic action

Solution Approach 2:

The system dynamically adjusts transfer parameters including rate, timing, and amount based on current system state and trigger conditions. This allows optimization of transfer efficiency while adapting to varying network conditions to minimize bandwidth usage.

Inventive Principle:
Principle #35Parameter changes

2Reliability

If resource transfers are initiated frequently, then resource availability is improved, but network traffic increases

Engineering Contradiction:
Improveresource availabilityVSAvoidnetwork traffic
Core Design Contradiction:
ReliabilityVSQuantity of substance

Solution Approach 1:

The system performs preliminary actions by pre-establishing trigger conditions and transfer parameters before actual resource transfers occur. This allows the system to determine in advance when transfers should be initiated, ensuring resource availability while avoiding unnecessary network traffic.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system uses feedback mechanisms to monitor resource levels and system state, initiating transfers only when predetermined conditions are met. This feedback-driven approach ensures resource availability is maintained while minimizing network traffic by avoiding unnecessary transfers.

Inventive Principle:
Principle #23Feedback

3Measurement precision

If continuous monitoring of transfer conditions is performed, then transfer timing accuracy is improved, but system complexity increases

Engineering Contradiction:
Improvetransfer timing accuracyVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The system implements self-service monitoring where the resource management system automatically monitors its own state and determines when transfer conditions are met. This self-monitoring approach improves timing accuracy without requiring complex external monitoring infrastructure.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system combines multiple functions including monitoring, condition evaluation, and transfer initiation into a single integrated resource management system. This merging reduces overall system complexity while maintaining accurate transfer timing through unified control logic.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS12619961B2System and method for initiating a transfer of resources
Publication Date: 2026.05.05 THE TORONTO DOMINION BANK
  • US12619961B2 patent drawing
  • US12619961B2 patent drawing
  • US12619961B2 patent drawing

AI summary

A server computer system 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 obtain, via the communications module, data; analyze the data to identify a stored-value card and an amount for the stored-value card; update a data record associated with the stored-value card based on the amount for the stored-value card; transfer resources to a network restricted data record based on the amount for the stored-value card; determine a trigger condition; and responsive to determining the trigger condition, initiate a transfer of resources from the network restricted data record to a network unrestricted data record.