Net Flow Calculation Using Normalized Multi-Source Asset Data

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Solution Overview

Problem

Institutions face challenges in accurately calculating net asset flows due to data inconsistencies from various sources, which are often received in different formats and coding, making real-time tracking and incentive calculations difficult.

Innovation Solution

A system and method for normalizing and transforming transaction event data from multiple sources into a common data scheme, enabling real-time calculation of net flows, and providing graphical reports for managers to track productivity and performance.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Quantity of substance

If data from multiple sources is collected to calculate net flows, then the comprehensiveness of net flow calculation is improved, but data consistency and calculation accuracy deteriorate due to different formats and coding

Engineering Contradiction:

Improvecomprehensiveness of data collectionVSAvoidcalculation accuracy

Core Design Contradiction:

Quantity of substanceVSMeasurement precision

Solution Approach 1:

The patent introduces a data normalization layer as an intermediary between multiple data sources and the net flow calculation system. This normalization layer standardizes different data formats, codes, and structures into a unified format, enabling accurate calculation while maintaining comprehensive data collection from diverse sources including banks, brokerages, and financial institutions

Inventive Principle:

Principle #24Intermediary (Mediator)

2Measurement precision

If manual recognition of each transaction is used to calculate net assets, then calculation accuracy is improved, but productivity and time consumption deteriorate

Engineering Contradiction:

Improvecalculation accuracyVSAvoidprocessing speed

Core Design Contradiction:

Measurement precisionVSProductivity

Solution Approach 1:

The patent replaces manual recognition processes with automated computational systems that use standardized data formats and algorithms to classify transactions as inflows or outflows. The system automatically processes large volumes of transaction data through electronic data processing, eliminating the need for manual review while maintaining accuracy through consistent application of classification rules

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent implements preliminary data normalization and classification before the actual net flow calculation. By pre-processing data to ensure consistent formatting and coding across all sources, the system enables automated high-speed processing without sacrificing accuracy, as the data is already prepared in the correct format for algorithmic processing

Inventive Principle:

Principle #10Preliminary action

3Productivity

If automated estimation is used for net flow calculation, then productivity is improved, but calculation accuracy deteriorates when unknown variables are present

Engineering Contradiction:

Improveprocessing speedVSAvoidcalculation accuracy

Core Design Contradiction:

ProductivityVSMeasurement precision

Solution Approach 1:

The patent implements a system that automatically detects and flags transactions with unknown variables or insufficient data for automated processing. The system self-manages the calculation process by routing complete, standardized transactions through automated processing while identifying incomplete transactions for alternative handling, thereby maintaining both high productivity for routine transactions and accuracy for complex cases

Inventive Principle:

Principle #25Self-service

4Stability of the object's composition

If data normalization is implemented to standardize formats from multiple sources, then data consistency is improved, but system complexity increases

Engineering Contradiction:

Improvedata consistencyVSAvoidsystem complexity

Core Design Contradiction:

Stability of the object's compositionVSDevice complexity

Solution Approach 1:

The patent implements a universal data normalization framework that handles multiple data sources, formats, and coding schemes through a single standardized interface. The normalization layer provides multi-functional capabilities to transform various input formats (CSV, XML, JSON, fixed-width files) into a unified structure, reducing overall system complexity by consolidating format-handling logic in one place rather than requiring separate processing paths for each data source

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS20260057447A1Systems and methods for calculating net flows

Publication Date: 2026.02.26 PNC FINANCIAL SERVICES GROUP INC

AI summary

Methods, systems, apparatuses, and non-transitory computer readable media are provided for calculating a net amount of assets. The operations may include receiving data from a transmission server in communication with a plurality of input sources, sending the data to a database, transforming the data into normalized data elements, analyzing the normalized data, transmitting a notification to an administrative entity to provide at least one supplementary data element, transforming the at least one normalized data element that complies with the common data scheme into tabulated data, calculating a net flow associated with the received data, based on the tabulated data, and sending the net flow calculation and the tabulated data to at least one electronic device associated with an external entity.