Data Transfer Affordability Recommendations From Budget Analysis

Solution Overview

Problem

Resource accounts may lack sufficient resources to complete data transfers or may have enough resources but not enough to cover scheduled transfers, leading to affordability issues.

Innovation Solution

A server computer system analyzes historical data transfers to generate a data budget, determines affordability of a requested transfer, and generates recommendations to afford the transfer by combining resources, opening additional accounts, splitting transfers, applying loyalty points, reducing spending, or using different accounts.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If data transfer is attempted from a resource account, then the data transfer can be initiated, but the account may not have enough resources to complete the transfer

Engineering Contradiction:

Improvedata transfer completionVSAvoidresource balance

Core Design Contradiction:

ProductivityVSQuantity of substance

Solution Approach 1:

The system performs preliminary analysis of the data budget and resource availability before initiating the data transfer. By evaluating historical data transfers and generating a data budget in advance, the system identifies potential resource shortfalls before they occur, allowing for preventive recommendations to be provided to the user.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system provides feedback to the user about resource sufficiency and affordability of data transfers. By analyzing the data budget and comparing it with the requested transfer, the system generates recommendations and notifications that inform users about resource constraints and suggest actions to resolve them.

Inventive Principle:

Principle #23Feedback

2Reliability

If resources are allocated for a data transfer, then the transfer can be completed, but scheduled data transfers may not have enough resources

Engineering Contradiction:

Improvescheduled transfer completionVSAvoidavailable resources

Core Design Contradiction:

ReliabilityVSQuantity of substance

Solution Approach 1:

The system performs preliminary analysis of the data budget and resource availability before initiating the data transfer. By evaluating historical data transfers and generating a data budget in advance, the system identifies potential resource shortfalls before they occur, allowing for preventive recommendations to be provided to the user.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system provides feedback to the user about resource sufficiency and affordability of data transfers. By analyzing the data budget and comparing it with the requested transfer, the system generates recommendations and notifications that inform users about resource constraints and suggest actions to resolve them.

Inventive Principle:

Principle #23Feedback

3Productivity

If multiple data transfers are scheduled, then data movement capability is maximized, but resource affordability decreases

Engineering Contradiction:

Improvedata transfer volumeVSAvoidaffordability

Core Design Contradiction:

ProductivityVSEase of operation

Solution Approach 1:

The system performs preliminary analysis of the data budget and resource availability before initiating the data transfer. By evaluating historical data transfers and generating a data budget in advance, the system identifies potential resource shortfalls before they occur, allowing for preventive recommendations to be provided to the user.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system provides feedback to the user about resource sufficiency and affordability of data transfers. By analyzing the data budget and comparing it with the requested transfer, the system generates recommendations and notifications that inform users about resource constraints and suggest actions to resolve them.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS12586047B2System and method for generating data transfer recommendations

Publication Date: 2026.03.24 THE TORONTO DOMINION BANK

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 analyze historical data transfers within one or more resource accounts to generate a data budget; receive a signal indicating a data transfer request; analyze the data transfer request and, based on the data budget, determine an affordability of the data transfer; responsive to determining that the data transfer is not affordable from one of the resource accounts, generate one or more recommendations to afford the data transfer; and send, via the communications module and to a computing device, a signal causing the computing device to display a notification that includes the one or more recommendations to afford the data transfer. Machine learning may be used to determine the affordability of the data transfer.