Mobile Terminal Pre-Checking for Bank Statement Verification
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Solution Overview
Problem
Bank statements often contain a large amount of information, making it time-consuming for users to verify the accuracy of transactions, as they need to manually check each transaction individually.
Innovation Solution
A method that utilizes a mobile terminal to mark transactions as pre-checked, allowing a banking organization to process and differentiate them from non-pre-checked transactions, enabling a separate and efficient presentation in bank statements, such as grouping or highlighting pre-checked transactions for easier verification.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If all transactions are presented in detail on bank statements, then complete information is provided, but the time required for users to verify accuracy increases significantly
Solution Approach 1:
The system performs preliminary verification of transactions by comparing transaction data from the transaction device with bank statement data before the user receives the statement. Transactions that match are pre-checked and marked accordingly, so users don't need to verify them manually, thus reducing verification time while maintaining information completeness
Solution Approach 2:
The bank statement is segmented into different types of transactions: pre-checked transactions (verified by the system) and non-pre-checked transactions (requiring user verification). This segmentation allows users to focus only on transactions that need their attention, reducing overall verification time while preserving complete transaction information
2Reliability
If manual verification of each transaction is required, then accuracy can be confirmed, but the complexity and time consumption of the process increases
Solution Approach 1:
The system introduces an intermediary automated verification process that compares transaction data with bank records before presenting the statement to the user. This intermediary layer handles the complex verification logic, reducing the complexity of the user's verification task while maintaining high accuracy through systematic data comparison
3Loss of information
If traditional bank statement presentation is used, then all transaction data is displayed, but users cannot easily distinguish verified from unverified transactions
Solution Approach 1:
The system uses visual indicators such as color coding, icons, or symbols to mark pre-checked transactions on the bank statement. This allows users to quickly distinguish between verified and unverified transactions at a glance, improving ease of operation while displaying all transaction data without omission
Data Source
AI summary
A method and apparatus are provided for assisting in checking accuracy of bank transaction records edited in a bank statement and performed by at least one transaction device. The method includes, for at least one of the transactions: emission, by the transaction device, of at least one first signal including a message relating to the transaction; receipt, by at least one mobile terminal, of the at least one first signal; transmission, by the mobile terminal, of a second signal including at least the message, to at least one banking organization; association, by a server of the banking organization in charge of the transaction, of the message with at least one datum relating to the transaction, and marking of the transaction as a pre-checked transaction.