Geographic Transaction Routing for Regulatory Data Segregation

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Solution Overview

Problem

Existing transactional banking systems face challenges in efficiently managing and storing transactional data across different geographic regions due to varying regulatory requirements, leading to inefficient data management and storage practices.

Innovation Solution

Implementing an intelligent geo-tagged data segregation system that automatically routes transactions to localized data stores based on context packets, creating or modifying colonies to meet regulatory demands, and using plug-ins to store data in appropriate schemas, while managing and segregating data efficiently.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Device complexity

If transactional data is stored in centralized data centers, then data management is simplified, but regulatory compliance across different geographic regions becomes difficult to maintain

Engineering Contradiction:

Improvedata management complexityVSAvoidregulatory compliance

Core Design Contradiction:

Device complexityVSReliability

Solution Approach 1:

The patent segments transactional data into geographic colonies, creating separate data storage units for different regions. Each colony stores data specific to its geographic area, allowing localized regulatory compliance while maintaining overall system organization through automated routing based on context packets.

Inventive Principle:

Principle #1Segmentation

2Reliability

If data is localized to meet regulatory requirements, then compliance is improved, but data management complexity increases

Engineering Contradiction:

Improveregulatory complianceVSAvoiddata management complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system implements self-service through automated routing mechanisms that use context packets to determine the appropriate geographic colony for each transaction. This automation eliminates manual data classification and routing, reducing management complexity despite the distributed colonial structure.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The patent changes the organizational parameter from centralized to geographic distribution, using context packets containing geographic information to route transactions to appropriate colonies. This parameter change enables automated localization without increasing operational complexity.

Inventive Principle:

Principle #35Parameter changes

3Adaptability or versatility

If replicas and virtualized data centers are created, then geographic coverage is improved, but data management practices become more complex

Engineering Contradiction:

Improvegeographic coverageVSAvoiddata management practices

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent creates universal data colonies that can serve multiple functions across different geographic regions. Each colony is designed to handle various transaction types while complying with local regulations, providing versatile geographic coverage without proportionally increasing management complexity through standardization.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS12475107B2Colonization of transactional data based upon geography

Publication Date: 2025.11.18 WELLS FARGO BANK NA

AI summary

An example computer system for colonizing transactions can include: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: receive a transaction initiated by an originator; automatically route the transaction to a colony based upon a context packet associated with the transaction; and store data associated with the transaction in the colony; wherein the colony satisfies regulatory requirements of a geographic area associated with the transaction.