Transfer Management Interface for Real-Time Stage Tracking

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Solution Overview

Problem

In the context of electronic transfer management, it is challenging for transferring parties to communicate effectively with systems processing transfers due to the involvement of numerous servers, including intermediary or correspondent banking servers, which complicates the tracking and management of resource transfers across multiple computer systems.

Innovation Solution

A method and system for remote management of electronic transfers, involving a server computer system that performs automated processing operations, provides a transfer interface to clients, updates stage state data, and sends indications of current processing operations to client devices, enabling real-time tracking and management of transfer stages through a graphical user interface.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If numerous servers are involved in processing a transfer (including intermediary or correspondent banking servers), then the transfer processing capability and system coverage are improved, but the complexity of tracking and managing the transfer increases

Engineering Contradiction:
Improvetransfer processing capabilityVSAvoidtracking and management complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces a transfer management interface as an intermediary layer between the transferring party and the complex network of servers. This interface consolidates the complexity by providing a unified view and control mechanism, allowing users to interact with multiple servers through a single simplified interface without needing to understand or manage the underlying complexity of intermediary and correspondent banking servers.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The transfer processing system is segmented into distinct stages (e.g., initiation, authorization, execution, completion) with each stage handled by specific servers. The management interface segments the transfer into manageable phases and displays them as separate steps, making the overall complex process more digestible and controllable for users while maintaining the distributed architecture's capabilities.

Inventive Principle:
Principle #1Segmentation

2Adaptability or versatility

If numerous computer systems are engaged to process a transfer, then the transfer processing functionality is improved, but the ease of communication for the transferring party deteriorates

Engineering Contradiction:
Improvetransfer processing functionalityVSAvoidcommunication ease
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The transfer management interface serves as a communication intermediary that translates user queries into appropriate system requests and formats system responses into user-friendly information. This intermediary layer simplifies communication by abstracting away the complexity of multiple computer systems, allowing transferring parties to communicate with the transfer process through a single, intuitive interface rather than needing to navigate multiple system protocols.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system implements continuous feedback mechanisms where the transfer management interface provides real-time status updates to the transferring party about the transfer's progress through various servers. This feedback loop maintains communication transparency without requiring the user to actively query multiple systems, as the interface automatically collects and presents status information from all involved computer systems.

Inventive Principle:
Principle #23Feedback

3Productivity

If real-time monitoring is provided across multiple systems, then the transfer management capability is improved, but the system complexity and resource requirements increase

Engineering Contradiction:
Improvetransfer management capabilityVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent merges the monitoring functions across multiple servers into a single unified transfer management interface. Instead of requiring separate monitoring systems for each server, the interface consolidates monitoring capabilities to provide a centralized real-time view of transfer status across all systems, reducing overall system complexity while maintaining comprehensive monitoring productivity.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS12190299B2Real-time transfer management interface
Publication Date: 2025.01.07 THE TORONTO DOMINION BANK
  • US12190299B2 patent drawing
  • US12190299B2 patent drawing
  • US12190299B2 patent drawing

AI summary

In an aspect, a method performed at a server includes: receiving a message representing a request for a transfer; performing a series of automated processing operations on the message; providing, to a client device associated with an authenticated entity, a transfer interface, the transfer interface including an interface element for selecting the transfer; receiving an indication of a selection of the transfer; in response to receiving the indication of the selection, retrieving stage state data, the stage state data indicating a current one of the automated processing operations in the series; and sending, to the client device, an indication of the stage state data, wherein the client device is configured to update the transfer interface in response to receiving the indication to display a representation of the series of automated processing operations which identifies one of the processing operations in the series as a current processing operation.