Data Processing System for Legacy Account Management

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Solution Overview

Problem

Legacy account management systems in the financial and banking sector are unable to efficiently provide complex data processing functionalities, leading to costly and inefficient solutions, such as replacing the systems or performing additional programming work.

Innovation Solution

A data processing system that integrates with legacy account management systems, utilizing storage means for account identifiers with assigned control parameters and application programs to perform complex data processing tasks, such as overdraft protection, bundle pricing, and payment distribution, while allowing the account management system to handle elementary transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If legacy account management systems are used for complex data processing functionalities, then additional programming work is required that is costly and difficult to maintain, but replacing the system incurs large expenses

Engineering Contradiction:

Improvecomplex data processing functionalitiesVSAvoidprogramming work and maintenance difficulty

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent divides the account management system into two distinct parts: a legacy account management system that handles elementary transactions and a separate data processing system that handles complex data processing functionalities. This segmentation allows each system to specialize in its designated tasks, avoiding the need to modify the legacy system while still enabling complex processing capabilities.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces an interface as an intermediary component that couples the data processing system with the legacy account management system. This interface enables communication and data exchange between the two systems, allowing the data processing system to access account data and send postings back to the legacy system without requiring direct integration or modification of the legacy system.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If legacy account management systems are replaced with new systems providing complex functionalities, then complex data processing can be provided, but large expenses are incurred

Engineering Contradiction:

Improvecomplex data processing functionalitiesVSAvoidcosts

Core Design Contradiction:

Adaptability or versatilityVSLoss of energy

Solution Approach 1:

The patent segments the system architecture to preserve the legacy account management system for elementary transactions while adding a separate data processing system for complex functionalities. This avoids the costly replacement of the entire system while still achieving the desired complex processing capabilities.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The data processing system serves multiple purposes: it handles complex data processing tasks, interfaces with the legacy system, and can process various types of account data using different application programs. This multi-functionality is achieved without requiring a complete system replacement.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Adaptability or versatility

If additional programming work is done on legacy systems to provide complex functionalities, then complex data processing can be achieved, but maintenance becomes difficult

Engineering Contradiction:

Improvecomplex data processing functionalitiesVSAvoidmaintenance difficulty

Core Design Contradiction:

Adaptability or versatilityVSEase of repair

Solution Approach 1:

By separating complex data processing functionality into a standalone system rather than embedding it in the legacy system, the patent makes maintenance easier. The data processing system can be developed, tested, and maintained independently without affecting the legacy account management system.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The interface acts as a mediator that simplifies maintenance by providing a standardized communication layer between the data processing system and the legacy system. This abstraction layer isolates the data processing system from the internal complexities of the legacy system, making it easier to maintain and modify.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS8285612B2Systems and methods for data processing

Publication Date: 2012.10.09 SAP SE

AI summary

Systems and methods are provided for data processing. In one implementation, a data processing system includes storage means for storing sets of account identifiers, each of the sets of account identifiers being assigned a set of control parameters. The data processing system may also include an account management system that stores account data of accounts that are identified by the account identifiers, interface means coupled to the account management system, and one or more sets of application programs that are adapted to process account data of accounts identified by at least one of the one or more sets of account identifiers using the set of control parameters assigned to the at least one of the one or more sets of account identifiers. The interface means may obtain the account data from the account management system on request of one of the application programs.