Dynamic Transaction Processing with Predicted Computation Costs

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Solution Overview

Problem

The increasing frequency and scale of transactions put a significant burden on service provider systems, overwhelming computer resources and impacting availability and security, especially due to the need for additional security measures and infrastructure to handle smaller, more frequent transactions.

Innovation Solution

A framework that dynamically manages computer resources by selectively applying techniques such as tiered model selection and batch/data caching based on transaction characteristics, optimizing resource usage without compromising security, by assigning appropriate computational models and processing transactions in batches or using cached data for related transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If additional security measures and infrastructure are implemented to handle increased transaction frequency, then transaction security is improved, but computer resource usage efficiency deteriorates

Engineering Contradiction:
Improvetransaction securityVSAvoidcomputer resource usage efficiency
Core Design Contradiction:
ReliabilityVSLoss of energy

Solution Approach 1:

The patent applies local quality by implementing risk-based transaction processing where different security measures are applied to different transactions based on their risk profile. Low-risk transactions receive minimal processing while high-risk transactions undergo enhanced security checks, allowing the system to maintain high security standards overall while avoiding unnecessary resource consumption on safe transactions.

Inventive Principle:
Principle #3Local quality

Solution Approach 2:

The system dynamically adjusts security processing intensity based on real-time transaction characteristics and risk assessment. The processing depth, authentication requirements, and security checks are adaptively modified for each transaction, enabling the system to optimize the balance between security and resource efficiency rather than applying uniform high-security processing to all transactions.

Inventive Principle:
Principle #15Dynamics

2Reliability

If enhanced authentication services and data encryption are implemented for all transactions, then transaction security is improved, but processing speed deteriorates

Engineering Contradiction:
Improveauthentication securityVSAvoidtransaction processing speed
Core Design Contradiction:
ReliabilityVSSpeed

Solution Approach 1:

The patent implements local quality by applying different authentication service depths and encryption levels to different transactions based on risk assessment. Low-risk transactions receive streamlined authentication while high-risk transactions undergo comprehensive verification, maintaining security standards while optimizing processing speed for the majority of safe transactions.

Inventive Principle:
Principle #3Local quality

3Measurement precision

If comprehensive data processing and analysis are performed for each transaction, then transaction accuracy is improved, but computer resource consumption increases

Engineering Contradiction:
Improvetransaction processing accuracyVSAvoidcomputer resource consumption
Core Design Contradiction:
Measurement precisionVSLoss of energy

Solution Approach 1:

The system changes processing parameters dynamically based on transaction characteristics. The depth of data analysis, the number of validation checks, and the complexity of processing algorithms are adjusted according to the transaction's risk profile and characteristics, enabling accurate processing of high-risk transactions while using efficient simplified processing for low-risk transactions.

Inventive Principle:
Principle #35Parameter changes

Data Source

PatentUS20240411600A1Dynamic processing of transactions based on predicted computation costs
Publication Date: 2024.12.12 PAYPAL INC
  • US20240411600A1 patent drawing
  • US20240411600A1 patent drawing
  • US20240411600A1 patent drawing

AI summary

Methods and systems are presented for providing a framework for dynamically managing computer resources in processing transactions by selectively applying one or more techniques to improve the computer resource usage efficiency of processing different transactions. When a request for processing a first transaction is received, an estimated frequency of future transactions that are related to the first transaction is predicted. Based on the estimated frequency of future transactions, one or more actions that improves the computer resource usage efficiency for processing the first transaction are applied. The action may include suspending the processing of the first transaction and subsequently performing a batch process including the first transaction and a second transaction related to the first transaction. The action may include storing data associated with the processing of the first transaction in a cache memory for use in the subsequent processing of a second transaction.