Data Warehouse Management for Electronic Payment Networks

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Solution Overview

Problem

Current data warehouses in electronic payment transaction processing networks lack the ability to differentiate between payment transaction records from stores that are active and inactive in an offer program, leading to inefficient operations and potential data errors.

Innovation Solution

A computer-implemented method and system that determine active and inactive stores within an offer program, allowing for distinct operations on transaction records, including update operations, based on their participation status, utilizing a hierarchical relationship between merchants and their stores.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If uniform operations are applied to all transaction records in the data warehouse, then system simplicity is maintained, but operational efficiency and data accuracy deteriorate due to inability to differentiate between active and inactive stores

Engineering Contradiction:
Improveoperational efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent applies local quality by differentiating operations based on store participation status in offer programs. Transaction records from stores active in offer programs are handled differently (frozen) compared to records from inactive stores (updated), allowing optimized processing for different data subsets without requiring complete system redesign

Inventive Principle:
Principle #3Local quality

Solution Approach 2:

The patent segments transaction records into distinct categories based on store offer program status. By dividing the data warehouse operations into separate processing paths for active and inactive stores, the system achieves specialized handling without monolithic complexity

Inventive Principle:
Principle #1Segmentation

2Measurement precision

If update operations are performed on all transaction records, then data freshness is improved, but data accuracy deteriorates due to potential interference with active offer programs

Engineering Contradiction:
Improvedata accuracyVSAvoiddata processing efficiency
Core Design Contradiction:
Measurement precisionVSProductivity

Solution Approach 1:

The patent applies preliminary anti-action by freezing transaction records from stores active in offer programs before update operations can incorrectly modify them. This preventive measure ensures data accuracy for active offer stores while allowing normal updates for inactive stores, avoiding interference before it can occur

Inventive Principle:
Principle #9Preliminary anti-action

Solution Approach 2:

Different update operations are applied locally to different store types: inactive stores receive standard update processing to maintain data freshness, while active stores have their records frozen to prevent modifications that would interfere with active offer programs

Inventive Principle:
Principle #3Local quality

3Reliability

If differentiated operations are implemented for active and inactive stores, then operational efficiency and data accuracy are improved, but system complexity increases

Engineering Contradiction:
Improvedata accuracyVSAvoiddata warehouse management complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The system incorporates feedback mechanisms that automatically determine store participation status in offer programs and adjust operations accordingly. This feedback-driven approach enables differentiated processing without manual intervention, reducing operational complexity while maintaining high data accuracy

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The data warehouse management system dynamically adjusts its behavior based on real-time offer program status. By making operations conditional and adaptive rather than static, the system achieves differentiated processing for active and inactive stores through a single unified management layer

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS11657070B2Management of data warehouse for electronic payment transaction processing networks
Publication Date: 2023.05.23 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US11657070B2 patent drawing
  • US11657070B2 patent drawing
  • US11657070B2 patent drawing

AI summary

Embodiments include apparatuses, methods, and systems for managing a data warehouse associated with an electronic payment transaction processing network. A first set of stores are active and a second set of stores are inactive in an offer program related to merchandise of a merchant. A first set of transaction records for a first set of transactions from the first set of stores and a second set of transaction records for a second set of transactions from the second set of stores are obtained. A first set of operations on the data warehouse for the first set of transaction records and a second set of operations on the data warehouse for the second set of transaction records may be performed. The second set of operations, different from the first set of operations, includes an update operation on the data warehouse. Other embodiments may also be described and claimed.