Merchant Matching Model for Multi-Source Data Identification

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Solution Overview

Problem

Existing systems face difficulties in identifying and accessing merchant data across multiple disparate data structures, leading to inefficiencies in data retrieval and resource utilization due to varying storage formats, identifiers, and incomplete data.

Innovation Solution

A merchant data device utilizing machine learning to generate a merchant matching model that identifies a unique core merchant identifier, enabling access to merchant data across multiple data sources by mapping this identifier to separate merchant identifiers and data structures.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If merchant data is stored across multiple disparate data structures with varying formats and identifiers, then data coverage and completeness are improved, but data retrieval complexity and resource consumption increase

Engineering Contradiction:
Improvedata completenessVSAvoiddata structure complexity
Core Design Contradiction:
Loss of informationVSDevice complexity

Solution Approach 1:

The patent introduces a merchant matching model as an intermediary layer between the query system and multiple disparate data structures. This model receives merchant data in various formats, processes it through machine learning algorithms, and outputs standardized matching results. The intermediary handles the complexity of multiple data structures internally while presenting a unified interface to users, thus maintaining data completeness without exposing retrieval complexity.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system segments the complex task of merchant data retrieval into distinct components: data ingestion from multiple sources, merchant matching model processing, and result output. Each component handles specific aspects of the data retrieval process independently, allowing the system to manage multiple disparate data structures without requiring the entire system to handle all complexity simultaneously.

Inventive Principle:
Principle #1Segmentation

2Loss of information

If traditional querying methods are used to search across multiple databases, then comprehensive merchant data can be retrieved, but computational resources and network bandwidth are excessively consumed

Engineering Contradiction:
Improvedata retrieval completenessVSAvoidcomputational resource consumption
Core Design Contradiction:
Loss of informationVSUse of energy by moving object

Solution Approach 1:

The merchant matching model is pre-trained using machine learning on comprehensive merchant data from multiple sources. This preliminary training phase allows the model to learn patterns and relationships in the data, enabling it to perform accurate matching without requiring exhaustive queries across all underlying databases during operation. The heavy computational work is done in advance during training, not during runtime queries.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent replaces traditional mechanical querying methods (systematic searches across multiple databases) with a machine learning-based matching model. Instead of mechanically querying each database and comparing results, the system uses the trained model to directly determine merchant matches based on input data, significantly reducing computational overhead and network bandwidth consumption during operation.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Reliability

If redundant queries are performed across multiple data structures, then data accuracy can be verified, but operating speed and efficiency decrease

Engineering Contradiction:
Improvedata accuracyVSAvoidoperating speed
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The merchant matching model incorporates feedback mechanisms where query results are used to refine and improve future matching accuracy. The system learns from past queries and matching outcomes, adjusting its internal parameters to improve accuracy over time without requiring redundant verification queries. This feedback loop maintains data reliability while improving operating speed.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS12189690B2Identifying merchant data associated with multiple data structures
Publication Date: 2025.01.07 CAPITAL ONE SERVICES LLC
  • US12189690B2 patent drawing
  • US12189690B2 patent drawing
  • US12189690B2 patent drawing

AI summary

A device may receive a merchant query including first merchant data associated with a first merchant. The first merchant data may be provided, as input, to a merchant matching model associated with a merchant data structure, the merchant matching model having been trained to determine a measure of confidence that input merchant data corresponds to an existing merchant in the merchant data structure. The device may receive, as output from the merchant matching model, a measure of confidence that the first merchant data corresponds to a second merchant, the second merchant being associated with second merchant data stored in the merchant data structure. The device may also determine, based on the measure of confidence, that the first merchant corresponds to the second merchant. Based on the determination, the device may obtain the second merchant data from the merchant data structure and perform an action based on the second merchant data.