Secondary Data Log for Expedited Transaction Processing

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Solution Overview

Problem

High-frequency data transactions lead to increased computational burden and time consumption due to frequent system updates across multiple systems, necessitating a more efficient data transfer mechanism.

Innovation Solution

A system that identifies frequent data senders and receivers, maintains a secondary data log with a pre-authorized credit, and records transactions without immediate settlement, allowing for faster transactions by reducing the frequency of system updates.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If immediate settlement and frequent system updates are performed for each data transaction, then data transfer accuracy and reliability are maintained, but computational burden and time consumption increase significantly

Engineering Contradiction:
Improvedata transfer accuracyVSAvoiddata transfer speed
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The system performs preliminary actions by pre-authorizing credit limits for users before transactions occur and maintaining a secondary data log that temporarily stores transaction data. This allows transactions to be processed and reflected immediately in the secondary log without triggering immediate settlement and system updates, thereby improving transfer speed while maintaining reliability through periodic synchronization with the primary data log.

Inventive Principle:
Principle #10Preliminary action

2Stability of the object's composition

If frequent system updates are performed across multiple systems for each transaction, then data consistency is maintained, but computational burden increases

Engineering Contradiction:
Improvedata consistencyVSAvoidcomputational burden
Core Design Contradiction:
Stability of the object's compositionVSUse of energy by moving object

Solution Approach 1:

The system merges multiple transaction recordings into a single secondary data log that consolidates transaction data for pre-authorized users. Instead of updating multiple systems for each individual transaction, the secondary log accumulates transactions and periodically synchronizes with the primary data log, reducing the frequency of system updates and computational burden while maintaining data consistency through batch processing.

Inventive Principle:
Principle #5Merging (Combining)

3Measurement precision

If real-time settlement is performed for each transaction, then financial accuracy is ensured, but transaction processing time increases

Engineering Contradiction:
Improvefinancial accuracyVSAvoidtransaction processing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-authorizing credit limits for users before transactions occur. This preliminary credit authorization allows transactions to be processed immediately without real-time settlement, as the credit limit has already been verified. The secondary data log records transactions against the pre-authorized credit, enabling fast transaction processing while maintaining financial accuracy through periodic settlement and reconciliation with the primary data log.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS12260413B2System and method for expedited data transfer utilizing a secondary electronic data log
Publication Date: 2025.03.25 BANK OF AMERICA CORP
  • US12260413B2 patent drawing
  • US12260413B2 patent drawing
  • US12260413B2 patent drawing

AI summary

Systems, computer program products, and methods are described herein for expedited data transfer utilizing a secondary data log. The present invention may be configured to analyze a primary data log and determine a user having a high volume of data transactions within a defined timeframe. The present invention may be further configured to maintain a secondary data log for a predetermined time period and, upon conclusion of the predetermined time period, sum the data transactions from the secondary data log and record the sum on the primary data log. The present invention may be further configured to determine a pre-authorized credit for the user to be recorded on the secondary data log during the predetermined time period.