Atomic Deposit Transaction Server-Side Processing
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Solution Overview
Problem
Incomplete electronic check deposit transactions occur when users navigate away from the web page before confirming the upload of a digital image, leading to incomplete processing and lack of confirmation for the user.
Innovation Solution
The transaction processing is moved to the server side after the user submits the digital image file for deposit, allowing the institution to manage the transaction independently of the user's computing device, ensuring completion and providing confirmation to the user.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the user submits the digital image file and the system waits for user confirmation before processing, then the user can verify the upload, but the transaction may become incomplete if the user navigates away before confirming
Solution Approach 1:
The system performs the image upload and processing initiation in advance, before the user completes their navigation. The servlet starts processing the digital image file immediately upon submission, and the transaction is marked as complete once processing begins, eliminating the need for user confirmation while ensuring reliability.
Solution Approach 2:
The confirmation step is extracted from the mandatory transaction flow. The system separates the upload confirmation from the processing completion, allowing the transaction to be considered complete once the image is uploaded and processing initiates, even if the user navigates away before seeing a confirmation message.
2Reliability
If the system processes the transaction on the client side requiring user presence, then the user can control the process, but the transaction fails if the user disconnects or navigates away
Solution Approach 1:
The system makes the institution's server self-sufficient by transferring the processed digital image file and transaction details to persistent storage. The servlet completes the transaction independently without requiring further user presence, and the system automatically manages the processing workflow from upload to completion.
Solution Approach 2:
The transaction processing moves from the client-side dimension (user's computing device) to the server-side dimension (institution's system). By storing the processed image and transaction details on the institution's server, the system creates a separate processing dimension that operates independently of user presence.
3Reliability
If the user must remain on the page to complete the deposit, then the transaction can be verified, but the user experience is degraded due to connection requirements
Solution Approach 1:
The system provides automatic feedback to the user through the advisory message that confirms upload success and initiates processing. This feedback mechanism verifies the transaction without requiring the user to remain on the page, as the processing continuation is implied by the successful upload confirmation.
Data Source
AI summary
A user may generate a digital image of a negotiable instrument such as a check. The digital image may be transmitted to an institution in a digital image file for deposit of the check. After the user selects to submit the digital image file, the digital image file may be sent from a user computing device to the institution. The user computing device may be decoupled from the transaction once the submission of the digital image file for deposit of the check is made. The transaction is thereafter managed by the institution. Incomplete transactions are avoided by moving the transaction processing to the server side at the institution after the user submits the digital image file. This may be referred to as an atomic deposit transaction.