Supplemental Data Report Generation for Aggregated User Reporting

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Solution Overview

Problem

Computer systems face challenges in providing transparent and efficient reporting for transactions of a representative account while maintaining confidentiality of individual users, as existing systems struggle to assess operational attributes and meet regulatory obligations due to the aggregation of user actions under a single entity.

Innovation Solution

A system is developed that generates supplemental data reports using a supplemental data report generation device, which processes transaction records and operational attributes to provide detailed insights into transactions associated with a representative account, allowing for partial transparency and compliance with regulatory requirements without disclosing individual user identities.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Device complexity

If an aggregate user reporting entity is used to represent multiple users, then the number of user reporting entities to maintain is reduced, but transparency and ability to assess operational attributes are lost

Engineering Contradiction:
Improvenumber of user reporting entitiesVSAvoidoperational attributes transparency
Core Design Contradiction:
Device complexityVSLoss of information

Solution Approach 1:

The patent segments the aggregate user reporting entity into multiple individual user reporting entities, each representing a specific user. This segmentation allows the system to maintain detailed operational attributes for each user while still providing consolidated reporting capabilities, thus resolving the contradiction between reducing entity complexity and maintaining information transparency.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent introduces a new dimension of hierarchical reporting structure where individual user reporting entities are organized under an aggregate entity. This multi-dimensional structure enables simultaneous viewing of data at both individual user level (maintaining transparency) and aggregate level (reducing complexity), effectively resolving the contradiction.

Inventive Principle:
Principle #17Another dimension (Dimensionality change)

2Measurement precision

If detailed transaction records are maintained for each user, then operational attributes can be assessed, but the system complexity and data management burden increase

Engineering Contradiction:
Improveoperational attributes assessmentVSAvoiddata management complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent merges individual user reporting entities into a consolidated aggregate user reporting entity that consolidates transaction records and operational attributes. This merging reduces data management complexity by providing a unified view while maintaining the precision needed for operational attributes assessment through structured data organization and reporting mechanisms.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The aggregate user reporting entity is designed with multi-functionality, serving both as a consolidated view for reduced complexity and as a source for detailed operational attributes assessment. The entity structure allows it to fulfill multiple functions simultaneously, resolving the contradiction between measurement precision and device complexity.

Inventive Principle:
Principle #6Universality (Multi-functionality)

3Object-affected harmful factors

If aggregate reporting is implemented to maintain user confidentiality, then user identity protection is improved, but regulatory compliance capability deteriorates

Engineering Contradiction:
Improveuser identity confidentialityVSAvoidregulatory compliance
Core Design Contradiction:
Object-affected harmful factorsVSReliability

Solution Approach 1:

The patent segments user data into identifiable individual user reporting entities that can be selectively aggregated. This segmentation enables the system to provide detailed information to regulators when needed while maintaining confidentiality in general reporting, thus resolving the contradiction between user protection and regulatory compliance.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent implements a dynamic reporting structure where the level of aggregation can be adjusted based on the recipient and purpose. For regulatory compliance, the system can drill down to individual user details, while for general reporting it maintains aggregated confidentiality. This dynamic adaptability resolves the contradiction between confidentiality and compliance reliability.

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS10482483B2System for aggregating data record attributes for supplemental data reporting
Publication Date: 2019.11.19 BANK OF AMERICA CORP
  • US10482483B2 patent drawing
  • US10482483B2 patent drawing
  • US10482483B2 patent drawing

AI summary

A supplemental data report generation device may interface with one or more data stores to generate a supplemental data reporting document for actions of an aggregate user reporting entity based on data records stored in a database. The device may retrieve a set of criteria for a supplemental data report, such as a set of items to be covered by the report and a threshold rule associated with an operational attribute field. The device may review action records of an aggregate user reporting entity stored in a record data store and identify a plurality of action records associated with the set of items. The device may select action records for inclusion in the report based on operational attributes associated with the action records meeting the threshold rule. The supplemental data report may include an aggregate metric generated based on the operational attributes. The device may also generate a drill down report based on an item of the set of items.