Virtual Record for Automated Resource Delivery Reversal

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Solution Overview

Problem

The transfer of physical resources is a time-consuming process, and existing methods lack efficiency, especially when reversing transfers or delivering resources to remote locations, and do not provide options for reversing transactions once physical resources have been transferred.

Innovation Solution

A resource delivery system that uses a processor, memory, and automated channels to create a virtual record for resource transfers, allowing users to manage and reverse transactions until resources are utilized, and employs automated resource delivery vehicles to transport physical items based on virtual record instructions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If physical resources are transferred directly, then the transfer is completed, but the process is time-consuming and lacks flexibility for reversal

Engineering Contradiction:
Improvetransfer efficiencyVSAvoidtransfer time
Core Design Contradiction:
ProductivityVSLoss of time

Solution Approach 1:

The patent introduces a virtual record as an intermediary between the sender and recipient. Resources are first transferred to the virtual record, then to the final destination. This intermediary layer enables faster initial transfer while allowing reversal by redirecting from the virtual record, thus resolving the contradiction between transfer speed and reversibility.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary action by creating a virtual record before final resource delivery. This preliminary step establishes a reversible checkpoint, allowing the transfer to be completed quickly to the virtual record while maintaining the option to reverse before final delivery, thus improving efficiency without sacrificing flexibility.

Inventive Principle:
Principle #10Preliminary action

2Adaptability or versatility

If physical resources are delivered directly, then delivery is completed, but reversal options are lost and complexity increases

Engineering Contradiction:
Improvetransaction flexibilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The virtual record serves as a simplified intermediary that provides reversal capability without adding significant complexity. Instead of complex tracking systems, the patent uses a straightforward virtual account structure that naturally enables reversal by redirecting funds, thus enhancing flexibility while maintaining simplicity.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system creates a virtual copy or representation of the resource transfer process. Rather than physically moving resources immediately, a virtual record captures the transfer intent, allowing reversal by modifying the virtual record before final execution, thus providing flexibility without proportional increases in complexity.

Inventive Principle:
Principle #26Copying

3Ease of operation

If resources are transferred to remote locations, then delivery capability is improved, but time and complexity increase

Engineering Contradiction:
Improvedelivery capabilityVSAvoiddelivery time
Core Design Contradiction:
Ease of operationVSLoss of time

Solution Approach 1:

The virtual record acts as a remote-friendly intermediary that decouples the transfer initiation from final delivery. Resources can be quickly allocated to the virtual record regardless of location, with physical delivery occurring separately. This resolves the contradiction by improving remote delivery capability while minimizing the time impact through asynchronous processing.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS10402892B2Resource delivery via automated channel and virtual record
Publication Date: 2019.09.03 BANK OF AMERICA CORP
  • US10402892B2 patent drawing
  • US10402892B2 patent drawing
  • US10402892B2 patent drawing

AI summary

A resource delivery system typically includes a processor, a memory, and a resource delivery module stored in the memory. The system is typically configured for: receiving a request from a first user to transfer resources to a second user; authenticating the first user to initiate the transfer of the resources; creating a virtual record and associating a record of the second user with the virtual record; transferring the resources to the virtual record via an automated channel; identifying an event and provide the second user in response to identifying the event at least one option comprising using the resources in the virtual record; and moving the resources from the virtual record via the automated channel based on identifying that the second user selected the option comprising using the resources stored in the virtual record.