Derivative Locator Record Access for Timely Fraud Detection

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Solution Overview

Problem

Existing systems face challenges in detecting fraudulent transactions during commercial transactions, particularly in ecommerce, due to the risk of fraudulent activities.

Innovation Solution

A method and system for accessing records via derivative locators, which involves formulating a derivative locator based on transaction information, searching a repository for index information, and receiving records to determine transaction approval or rejection, utilizing a processor to compare timestamps and reputation analysis.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional transaction verification systems are used, then transaction processing is simple and fast, but fraud detection capability is insufficient

Engineering Contradiction:

Improvefraud detection capabilityVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces a derivative locator as an intermediary mechanism that translates transaction information into a searchable index format. This intermediary layer enables sophisticated fraud detection by creating a bridge between raw transaction data and the repository of historical records, allowing complex queries without fundamentally redesigning the entire verification system.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary actions by pre-processing transaction information into derivative locators before the actual fraud detection query. This preparation step organizes data in advance, enabling fast and accurate retrieval of relevant historical records when fraud detection is needed, thus improving detection capability without adding significant complexity to the main verification flow.

Inventive Principle:

Principle #10Preliminary action

2Measurement precision

If comprehensive fraud detection information is accessed, then fraud detection accuracy improves, but information retrieval time increases

Engineering Contradiction:

Improvefraud detection accuracyVSAvoidinformation retrieval time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The patent segments the information retrieval process into distinct components: transaction information processing, derivative locator formulation, index searching, and record retrieval. This segmentation allows each component to be optimized independently, enabling comprehensive fraud detection through structured queries while maintaining fast retrieval speeds through efficient indexing.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system changes the parameter representation by transforming raw transaction information into derivative locators that serve as optimized search keys. This parameter transformation enables precise and efficient retrieval of historical records by converting complex query requirements into simple, fast index lookups, thus achieving high accuracy without time penalties.

Inventive Principle:

Principle #35Parameter changes

3Productivity

If transaction verification is automated, then processing speed increases, but verification accuracy may decrease

Engineering Contradiction:

Improveprocessing speedVSAvoidverification accuracy

Core Design Contradiction:

ProductivityVSMeasurement precision

Solution Approach 1:

The patent implements feedback mechanisms where the system retrieves historical transaction records based on derivative locators and uses this information to inform real-time verification decisions. The feedback loop compares current transactions against historical patterns, enabling automated processing to achieve both high speed and high accuracy by learning from past data.

Inventive Principle:

Principle #23Feedback

Solution Approach 2:

The system replaces manual verification processes with automated information retrieval and analysis mechanisms. By substituting mechanical manual checking with automated derivative locator-based queries and repository searches, the system achieves both increased processing speed and maintained or improved verification accuracy through algorithmic decision-making.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS12430651B2Systems and methods for accessing records via derivative locators

Publication Date: 2025.09.30 THE 41ST PARAMETER

AI summary

Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository. The requesting party may determine whether to accept or decline the transaction, optionally with the aid of the information accessed from the repository.