Multi-Entity Validation for Restriction-Based Transaction Approval

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Solution Overview

Problem

Existing systems face challenges in effectively processing transactions with multiple entity-based restrictions due to incomplete information across entities, leading to compliance issues and wasteful consumption of computing resources from repeated denied distribution requests.

Innovation Solution

A resource management system performs multiple entity validations to determine transaction compliance and reallocates resources from interconnected accounts to ensure transactions are completed, reducing denied requests and conserving computing resources.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If a single entity validation is performed for resource interactions, then the processing speed is maintained, but compliance accuracy deteriorates due to incomplete information across entities

Engineering Contradiction:

Improvecompliance accuracyVSAvoidvalidation system complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The validation system is segmented into multiple independent validation components, each responsible for validating against restrictions from a specific entity. Each validation component receives the resource interaction request and independently checks compliance with entity-specific restrictions, then returns results to the central system for consolidated decision-making.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

Multiple validation results from different entities are merged and consolidated into a single compliance determination. The system combines the validation outcomes from multiple entities, applying logical rules (such as requiring all validations to pass or allowing fallback to alternative resources) to make a final go/no-go decision on the resource interaction.

Inventive Principle:

Principle #5Merging (Combining)

2Reliability

If multiple entity validations are performed for resource interactions, then compliance accuracy is improved, but processing time increases

Engineering Contradiction:

Improvecompliance accuracyVSAvoidprocessing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-fetching and caching restriction information from multiple entities before the actual resource interaction occurs. Validation rules and restriction data are loaded in advance, so that when a resource interaction request arrives, the validation process can proceed quickly using pre-loaded data rather than making real-time queries to all entities.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

Each validation component operates autonomously and independently, validating against its entity's restrictions without requiring coordination or blocking waits for other validation components. This self-service approach allows parallel processing of multiple validations, reducing overall processing time while maintaining comprehensive compliance checking.

Inventive Principle:

Principle #25Self-service

3Reliability

If resource interactions are denied due to incomplete validation information, then compliance risk is reduced, but productivity deteriorates due to repeated denied distribution requests

Engineering Contradiction:

Improvecompliance risk controlVSAvoidtransaction completion rate

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The system introduces an intermediary validation orchestration layer that coordinates between multiple entities and the resource interaction request. This intermediary consolidates validation results, resolves conflicts between different entity restrictions, and makes intelligent decisions about whether to allow, deny, or request additional information, thereby reducing unnecessary denials while maintaining compliance.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system dynamically changes validation parameters such as the strictness of restriction enforcement, the order in which entity validations are performed, and the thresholds for allowing resource interactions based on the specific context, resource type, and entity priorities. This adaptive parameter adjustment allows the system to be more lenient in low-risk scenarios and stricter in high-risk scenarios, improving overall transaction completion rates.

Inventive Principle:

Principle #35Parameter changes

Data Source

PatentUS12470563B2System and method for processing restriction-based interactions by performing multiple entity validations

Publication Date: 2025.11.11 BANK OF AMERICA CORP

AI summary

Embodiments of the invention are directed to systems, methods and computer program products for processing restriction-based interactions by performing multiple entity validations. The invention may identify initiation of a resource interaction at a point of interaction device by a user, cause the point of interaction device to perform a registered restriction check on the resource interaction to check for one or more registered restrictions, identify at least one registered restriction associated with the resource interaction based on performing the registered restriction check, perform consolidated multiple entity validations associated with the at least one registered restriction by communicating with multiple entities associated with processing the resource interaction, determine if the multiple entity validations are successful, and allow or deny the resource interaction based at least in part on determining if the multiple entity validations are successful.