AI Transaction Failure Prediction for Preemptive Service Intervention

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Solution Overview

Problem

Existing transaction processing systems face inefficiencies due to high failure rates, which consume significant computing resources and are difficult to diagnose and rectify, especially at high transaction volumes.

Innovation Solution

A machine-learning model is trained to predict transaction failures by learning relationships between transaction characteristics and computing services, allowing for preemptive intervention to prevent failures before processing begins.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If traditional transaction processing systems are used to handle high transaction volumes, then processing capacity is maintained, but failure rates increase and resource consumption increases

Engineering Contradiction:
Improvetransaction processing capacityVSAvoidtransaction failure rate
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The system performs preliminary actions by predicting potential transaction failures before they occur. The machine learning model analyzes transaction characteristics and computing service histories to identify patterns that precede failures, allowing the system to take preventive measures such as adjusting processing parameters, selecting alternative services, or alerting operators before the actual failure happens, thus maintaining high processing capacity while reducing failure rates

Inventive Principle:
Principle #10Preliminary action

2Productivity

If traditional transaction processing systems are used, then processing continues, but computing resources are wasted on failed transactions

Engineering Contradiction:
Improvecontinuous processingVSAvoidcomputing resource consumption
Core Design Contradiction:
ProductivityVSLoss of energy

Solution Approach 1:

The system performs preliminary analysis of transaction characteristics against the trained machine learning model before committing computing resources to processing. By predicting potential failures in advance, the system can prevent resource-wasting operations on transactions likely to fail, while still maintaining continuous processing capability for transactions that appear successful based on their characteristics

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system continuously monitors actual transaction outcomes and feeds this information back into the machine learning model for retraining. This feedback loop allows the model to learn from actual failures and successes, improving its prediction accuracy over time and enabling more effective resource allocation decisions that reduce waste while maintaining productivity

Inventive Principle:
Principle #23Feedback

3Productivity

If transaction failures are detected after processing, then processing completed, but diagnosis and rectification become difficult

Engineering Contradiction:
Improveprocessing completionVSAvoidfailure diagnosis difficulty
Core Design Contradiction:
ProductivityVSDifficulty of detecting and measuring

Solution Approach 1:

The system performs preliminary identification of potential failures before processing completes, making failures detectable and diagnosable in advance. The machine learning model identifies patterns in transaction characteristics and service histories that correlate with failures, allowing the system to flag problematic transactions early. This preliminary detection makes diagnosis much easier compared to post-processing detection, as the root cause patterns are still visible and actionable

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The machine learning model acts as an intermediary between the transaction processing system and the failure detection mechanism. Instead of relying on post-processing error signals that are difficult to interpret, the model provides intermediate predictions about potential failures based on learned patterns. This intermediary layer translates complex processing states into actionable failure predictions, significantly improving diagnostic capability

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS12566684B2Avoiding failed transactions with artificial-intelligence based monitoring
Publication Date: 2026.03.03 TRUIST BANK
  • US12566684B2 patent drawing
  • US12566684B2 patent drawing
  • US12566684B2 patent drawing

AI summary

A system can receive training data that includes relationships between characteristics of failed requests and computing services at which the failed requests failed. The system can then train a machine-learning model using the training data to learn relationships between the characteristics of the failed requests and the computing services at which the failed requests failed. Thereafter, the system can receive a request and provide a characteristic of the pending request as input to the trained machine-learning model, which can generate a failure prediction based on the characteristic of the pending request. In response to the failure prediction indicating that the pending request is likely to fail, the system can determine an intervention for the pending request based on the computing service at which the pending request is predicted to fail and execute the intervention.