Transaction Data Publishing With Granular Access And Integrity Checks

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Solution Overview

Problem

Financial transaction data is conventionally published at a single level of access and granularity, lacking customization and integrity verification, and stakeholders cannot determine if the data has been altered, with donors waiting for quarterly reports to see how their donations are spent.

Innovation Solution

A system and method that enable real-time or near-real-time publishing of transaction data with customizable access levels based on audience characteristics, integrity verification, and social collaboration, using a transaction management platform with modules for linking financial accounts, monitoring changes, and providing user interfaces for data review.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If transaction data is published at a single level of access and granularity, then the publishing process is simple, but the data cannot be customized for different audiences and lacks adaptability

Engineering Contradiction:

Improvecustomization of transaction data for different audiencesVSAvoidcomplexity of publishing system

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent segments transaction data into multiple levels of granularity and creates different publication channels (e.g., public website, donor portal, regulatory portal) that can display data at appropriate detail levels. Each stakeholder group receives customized data views based on their needs, with donors seeing detailed transaction information while the general public sees summarized data.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system dynamically adjusts data presentation based on user characteristics, access permissions, and stakeholder type. The publication system automatically customizes data granularity and format for different audiences without requiring manual configuration for each user, enabling adaptability while maintaining system efficiency.

Inventive Principle:

Principle #15Dynamics

2Reliability

If transaction data is published without integrity verification mechanisms, then the publishing process is faster and simpler, but stakeholders cannot determine if data has been altered or deleted

Engineering Contradiction:

Improveintegrity of transaction dataVSAvoidcomplexity of verification system

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system performs preliminary integrity verification by generating cryptographic hashes of transaction data at the source before publication. These hashes are stored and used to verify data integrity throughout the publication process, ensuring that any alterations or deletions can be detected without adding complex verification steps at each publication point.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent introduces an intermediary verification layer that uses cryptographic techniques to certify data integrity. This intermediary system acts as a trusted third party that can verify data has not been altered without requiring the publishing organization to implement complex internal verification mechanisms.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Loss of information

If donors wait for quarterly or annual reports to see how their donations are spent, then the reporting process is simpler, but donors experience delays and reduced transparency

Engineering Contradiction:

Improvetimeliness of donation tracking informationVSAvoidefficiency of information delivery

Core Design Contradiction:

Loss of informationVSProductivity

Solution Approach 1:

The system implements continuous real-time publication of transaction data through automated feeds that update immediately when new transactions occur. Donors can continuously access and monitor their donation usage without waiting for periodic reports, maintaining uninterrupted transparency while the system handles the continuous data flow efficiently through automated processes.

Inventive Principle:

Principle #20Continuity of useful action

4Reliability

If transaction data is published with detailed granularity for all users, then data transparency is maximized, but the system becomes vulnerable to fraud and unauthorized alterations

Engineering Contradiction:

Improvetransparency of transaction dataVSAvoidvulnerability to fraud and unauthorized alterations

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent applies different levels of data granularity and access permissions to different user groups and locations. Sensitive financial data is made transparent to authorized stakeholders through verified channels, while public-facing platforms receive appropriately sanitized summaries. This local differentiation maintains transparency where needed while protecting against fraud through controlled access.

Inventive Principle:

Principle #3Local quality

Data Source

PatentUS12456126B2Systems and processes that augment transparency of transaction data

Publication Date: 2025.10.28 PAYBOOK

AI summary

Techniques for augmenting transparency of published transaction data are described. The techniques can include one or more of associating a financial account with an account of a user at a transaction management platform, receiving transaction data from the financial account, categorizing the transaction data, publishing the transaction data, assigning permission levels to user for different levels of access to the amount and granularity of published transaction data, storing an immutable record of transaction data from which changes to the transaction data can be determined, and enabling crowd intelligence about the entity, account, or transactions by recording interaction of users of the published transaction data.