URL Embedded Variables for Digital Form Population

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Solution Overview

Problem

Consumers face challenges in accessing convenient and affordable financing options for purchases, particularly for high-value items like vehicles, due to lack of awareness and inconvenient processes.

Innovation Solution

A computing system that generates a URL with embedded variables to partially populate a digital data submission form, allowing users to easily access and fill out loan applications by scanning a scannable image, which includes embedded information such as dealership and product details, streamlining the financing process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If consumers manually fill out loan application forms, then they can provide complete information, but the process is time-consuming and inconvenient

Engineering Contradiction:

Improveconvenience of loan applicationVSAvoidtime required to complete application

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The system performs preliminary action by pre-populating the loan application form with data extracted from the URL parameters before the user submits the form. This allows the form to be partially or fully filled out in advance, reducing the time and effort the user needs to spend on manual input while ensuring complete and accurate information provision.

Inventive Principle:

Principle #10Preliminary action

2Adaptability or versatility

If consumers are provided with financing options, then accessibility to credit improves, but awareness of available options remains limited

Engineering Contradiction:

Improveaccessibility to financing optionsVSAvoidconsumer awareness of financing options

Core Design Contradiction:

Adaptability or versatilityVSLoss of information

Solution Approach 1:

The system implements feedback by dynamically generating and presenting financing options based on the URL parameters and user inputs. The system processes the provided information, determines applicable financing options, and presents them to the user, thereby increasing awareness and accessibility to relevant financing opportunities.

Inventive Principle:

Principle #23Feedback

3Productivity

If a URL with embedded variables is generated, then data transmission efficiency improves, but the complexity of the system increases

Engineering Contradiction:

Improvedata transmission efficiencyVSAvoidsystem complexity for URL generation

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system merges multiple functions into a single integrated process: URL generation, data extraction, form population, and financing option determination are combined into one cohesive system. This integration improves data transmission efficiency by using compact URL parameters while managing complexity through unified processing logic rather than separate discrete systems.

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS20240354356A1Uniform resource locator comprising embedded variable(s) to at least partially populate a digital data submission form

Publication Date: 2024.10.24 TRUIST BANK

AI summary

Systems and methods receive, via a network and based on a user providing input(s) via a graphical user interface of a user device, information comprising variable(s) to be embedded within the URL, wherein the variable(s) are to at least partially populate a digital data submission form. Based on receiving the information, data processing is performed to generate the URL and embed the one or more variables therein. In addition, it is determined that the URL is being electronically accessed, and based thereon transmit for display, via a digital electronic display, the digital data submission form that is at least partially populated with the one or more variables.