RDC Transaction Tracking for Automatic Missing Deposit Remediation
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Solution Overview
Problem
Assessing and remediating network processing anomalies across complex networks using human operators is expensive, inefficient, and adds complexity, especially in high-volume data processing environments like remote deposit capture systems, requiring significant human and hardware resources.
Innovation Solution
A computerized tool that creates unique identifiers for each transaction, tracks their progress, detects missing transactions, and automatically assesses and executes remediation actions on the RDC system and communications network, minimizing human intervention.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If human operators are used to assess and remediate network processing anomalies, then flexibility and judgment can be applied, but cost increases and productivity decreases
Solution Approach 1:
The system performs self-assessment and self-remediation of anomalies through automated detection, analysis, and execution of remediation actions without requiring human operator intervention, thereby increasing productivity while managing complexity through structured automation
Solution Approach 2:
The patent replaces the mechanical human operator system with an automated computer-based system that uses algorithms, data processing, and electronic communication to detect and remediate anomalies, substituting human cognitive and manual operations with automated mechanical/electronic processes
2Loss of time
If human operators manually investigate and remediate anomalies, then detailed analysis can be performed, but time consumption increases
Solution Approach 1:
The automated system continuously monitors network transactions, constantly comparing upstream and downstream data to detect anomalies immediately as they occur, eliminating the interruptions and delays inherent in manual investigation while maintaining high detection accuracy through continuous automated analysis
Solution Approach 2:
The patent replaces manual investigative processes with automated computer-based detection mechanisms that continuously process data, compare records, and identify anomalies through electronic computation, thereby reducing time consumption while maintaining or improving detection precision
3Quantity of substance
If more human operators are deployed to handle high volumes of data, then coverage increases, but cost and system complexity increase
Solution Approach 1:
The automated system handles high volumes of data through self-service processing, using computational algorithms to analyze large datasets without requiring proportional increases in human operators, thereby managing data volume capacity while reducing operational complexity
Solution Approach 2:
The patent changes the operational parameters from human-based processing to machine-based processing, where computational power and algorithm efficiency determine data handling capacity rather than the number of operators, allowing scalable processing of high data volumes without linear increases in complexity
Data Source
AI summary
A remote deposit capture (RDC) processing anomaly detection and remediation tool that can communicate with the RDC system over a network, and determine whether a RDC transaction is missing from the RDC system by comparing created and assigned unique identifiers represented in RDC transaction data received at a selected RDC system location or component with unique identifiers represented in RDC transaction data received at a RDC system location or component that is upstream thereof. In response to finding a missing RDC transaction, the tool can determine one or more RDC system remediation actions, execute the one or more RDC system remediation actions on the RDC system, and report the missing RDC transaction and any RDC system remediation actions executed on the RDC system.