Dynamic Base Limit Value Allocation for Multi-Account Transaction Interfaces
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Solution Overview
Problem
Conventional systems face challenges in providing flexible and efficient user interfaces for managing user accounts and digital information, particularly in navigating obscure outputs from computer-based models and tracking digital transactions across multiple connected accounts.
Innovation Solution
The dynamic base limit value allocation system utilizes machine learning models and a base limit value model to dynamically determine, track, modify, and display base limit values across digital transactions on multiple connected accounts, enabling transparent and efficient user interface elements and accurate authorization of digital transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If conventional systems utilize computer-based models to analyze variables and generate predictions, then the system can determine account-specific values and limits, but the outputs become obscure and difficult to navigate within the GUI
Solution Approach 1:
The patent introduces an intermediary layer between the computer-based model and the user interface. This intermediary translates the obscure model outputs into clear, actionable visual representations within the GUI, allowing users to understand account-specific values and limits without directly interacting with the complex underlying model logic.
Solution Approach 2:
The patent utilizes visual encoding techniques including color changes to represent different account states, limit levels, and transaction impacts. By mapping abstract model outputs to visual attributes like color intensity and hue, the system makes complex predictions intuitive and easily navigable within the GUI.
2Loss of information
If conventional systems require navigation between multiple user interfaces to understand model outputs and future actions, then the system can provide detailed information, but the computational resources are inefficiently utilized
Solution Approach 1:
The patent merges multiple user interface functions into a single integrated interface that simultaneously displays model outputs, account values, limits, and transaction impacts. By combining what would traditionally require navigation through multiple separate interfaces into one unified view, the system reduces the computational overhead of multiple interface rendering operations while maintaining comprehensive information accessibility.
Solution Approach 2:
The system performs preliminary computation of account-specific values, limits, and transaction impacts before the user needs to view them. By pre-calculating and caching this information, the system avoids repeated computational operations during user navigation, thereby reducing overall computational resource consumption while ensuring immediate availability of detailed information.
3Loss of information
If conventional systems fail to accurately visualize outputs from computer-based models within limited screen spaces, then the system can provide comprehensive data, but the user interface becomes inflexible and unable to adapt to different display requirements
Solution Approach 1:
The patent implements a dynamic user interface that automatically adapts its layout, granularity, and visualizations based on the current account state, model output complexity, and available screen space. The interface can dynamically reconfigure to prioritize different information elements or adjust the level of detail displayed, ensuring comprehensive model output visualization across varying display constraints without sacrificing flexibility.
4Reliability
If conventional systems are unable to track digital transactions over multiple connected accounts in real time, then the system can maintain simpler architecture, but the authorization accuracy and speed are compromised
Solution Approach 1:
The patent implements a universal base limit value that serves multiple functions across different account types and connected accounts. This single limit value dynamically aggregates the impact of transactions across all accounts, allowing the system to track and authorize transactions accurately without requiring separate complex tracking mechanisms for each account type, thereby reducing overall system complexity while maintaining high reliability.
Data Source
AI summary
The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that determine, track, modify, and display a base limit value across digital transactions detected on multiple connected accounts corresponding to a user account. Indeed, the disclosed systems can determine an available base limit value for a user account. Furthermore, the disclosed systems can utilize a transaction value limit (based digital deposit transactions), in a secured credit account, to enable digital transactions. In addition, the disclosed systems can detect digital transactions and utilize the universal base limit value to enable a digital transaction that exceeds a transaction value limit. Moreover, the disclosed systems can display updates to the base limit value and the transaction value limit based on digital transactions across multiple connected accounts. Additionally, the disclosed systems can also authorize digital transactions based on tracked updates to the universal base limit value and the transaction value limit.