Real-Time Approval Logic Alignment Using ML Confidence Feedback

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Conventional systems fail to leverage machine learning models to synchronize the logic of batch-based resource processing systems with real-time systems, leading to inefficiencies and inaccuracies due to data format differences and the inability to directly train real-time systems using machine learning techniques.

Innovation Solution

A machine learning model is trained using a dataset from a rule set-based batch processing system to correlate resource access requests with approval determinations, generating confidence scores for real-time system decisions and adjusting logical operations based on discrepancies and explainability vectors to align with batch-based processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If a real-time resource processing system is built without leveraging batch-based system logic, then the system can be designed with modern real-time processing capabilities, but the system will lack the proven logic and accuracy of the legacy batch-based system

Engineering Contradiction:
Improvereal-time processing speedVSAvoidapproval decision accuracy
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

A machine learning model is introduced as an intermediary component that bridges the legacy batch-based approval system and the new real-time processing system. The ML model is trained on historical data from the batch system to learn its decision logic, then deployed to generate predictions for real-time requests. These predictions are used to guide and validate the real-time system's approval decisions, ensuring consistency with the proven batch system logic while enabling real-time processing speeds.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Ease of manufacture

If machine learning techniques are applied directly to train real-time systems, then training efficiency can be improved, but data format differences and system constraints prevent direct application

Engineering Contradiction:
Improvesystem training efficiencyVSAvoiddata format compatibility
Core Design Contradiction:
Ease of manufactureVSDevice complexity

Solution Approach 1:

Instead of training the real-time system directly using complex machine learning techniques, the invention creates a simplified copy of the batch system's decision logic through a machine learning model trained on historical batch data. This ML model captures the essential approval logic in a format that is easier to train and deploy. The model processes real-time requests and outputs predictions that guide the real-time system's decisions, effectively copying the batch system's intelligence without requiring direct training of the real-time system using complex ML methods.

Inventive Principle:
Principle #26Copying

3Speed

If the real-time system operates independently from the batch-based system, then processing speed increases, but output variance and logic divergence occur

Engineering Contradiction:
Improveprocessing speedVSAvoidlogic consistency
Core Design Contradiction:
SpeedVSStability of the object's composition

Solution Approach 1:

The machine learning model serves as a feedback mechanism that continuously monitors and guides the real-time system's approval decisions. The model is trained on historical batch system data, establishing the expected logic and decision patterns. When the real-time system processes requests, the ML model provides predictions and confidence scores that feedback into the decision-making process. This feedback loop ensures that the real-time system maintains logic consistency with the batch system while operating at real-time processing speeds, preventing output variance and logic divergence.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS20260050825A1Systems and methods for monitoring and mitigating output variance between batch-based and real-time resource processing systems
Publication Date: 2026.02.19 CAPITAL ONE SERVICES LLC
  • US20260050825A1 patent drawing
  • US20260050825A1 patent drawing
  • US20260050825A1 patent drawing

AI summary

Systems and methods for using a machine learning model for alignment with a rule set. In some aspects, the system receives a training dataset. The system trains a machine learning model based on the training dataset. The system processes, using a real-time resource processing system, a first resource access request, a first initial account state, and a first subsequent account state from a real-time data stream and generates a first approval determination. The system applies the machine learning model to the real-time data stream to generate a first confidence score that the new resource access request was executed correctly. Based on the first confidence score, the system determines that there is a discrepancy between the first approval determination by the real-time resource processing system and an expected approval of the machine learning model. Based on the discrepancy and a runtime explainability vector, the system adjusts the real-time resource processing system.