AI Payment System for Fraud Detection and Personalized Proposals

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Solution Overview

Problem

Users face challenges in managing and optimizing bank card payments, including increased workload, invoicing issues, and the need for quick reservations of services, particularly in market segments where credit card usage is prevalent, leading to potential fraud and unnoticed undue charges.

Innovation Solution

A distributed computing environment and system that provides personalized and automated payment services, using a data processing engine to analyze payment data, generate purchase proposals, and execute electronic payments, thereby optimizing payment processes, detecting unusual transactions, and learning user habits to personalize services.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users manually manage and control bank card payments and subscriptions, then they can detect invoicing issues and fraud, but the workload and time required for payment management increases significantly

Engineering Contradiction:

Improvedetection of invoicing issues and fraudVSAvoidtime for payment management

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs self-service by automatically analyzing payment data, detecting anomalies, and identifying invoicing issues without requiring user intervention. The AI engine autonomously monitors transactions, compares them against historical patterns, and flags potential fraud or billing errors, freeing users from manual payment management while maintaining high detection reliability.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The patent replaces the mechanical manual review process with an automated AI-based analysis system. Instead of users manually examining invoices and payment records, the system uses machine learning algorithms to process and analyze payment data, substituting human effort with computational automation that maintains or improves detection accuracy.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If users carefully review and double-check billing items, then they can detect undue charges, but the control burden and stress on users increases

Engineering Contradiction:

Improvedetection of undue chargesVSAvoidcontrol burden on user

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system provides feedback to users about detected issues, unusual transactions, and potential undue charges. This feedback mechanism allows users to review only the flagged items rather than manually checking every billing detail, significantly reducing the control burden while maintaining reliable detection of problems.

Inventive Principle:

Principle #23Feedback

3Productivity

If the system provides quick reservations and automated payments, then payment processes are optimized and user experience improves, but the risk of fraud and unnoticed undue charges increases

Engineering Contradiction:

Improvespeed of payment processingVSAvoiddetection of fraud and undue charges

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The system performs preliminary analysis of payment data before finalizing transactions. The AI engine proactively identifies potential fraud patterns and unusual charges in advance, allowing the system to flag or prevent suspicious transactions before they are completed, thus maintaining both speed and reliability in automated payment processing.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

Inventive Principle:

Principle #23Feedback

4Adaptability or versatility

If the system personalizes payment services based on user habits, then service effectiveness is optimized, but the complexity of data processing and analysis increases

Engineering Contradiction:

Improvepersonalization of payment servicesVSAvoidcomplexity of data processing system

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS12190319B2Method and system with artificial intelligence for providing purchase proposals and personalized and/or automated payment services

Publication Date: 2025.01.07 CORNER BANCA SA

AI summary

A method for providing purchase proposals and personalized and/or automated payment services to a subject includeselectronic accessing a personalized payment services provisioning system andretrieval of at least a first type of electronic data of said subject including payment data and/or deadlines and a data group identifying one or more characteristics of the subject.At least part of the first type of electronic data is stored.Electronic processing is performed, including electronic profiling of the subject. A group of personalized service proposals is generated for the subject and/or of proposals of personalized electronic payment requests, and at least one of the following proposal actions is generated:an electronic proposition of said services personalized for the subject, for the purchase of at least a product and/or service,a proposition of said personalized electronic payment request of a predetermined amount associated to the purchase of a product and/or service.