User Interface for Bulk Resolution of Suspended Transfer Operations

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Solution Overview

Problem

Managing suspended operations in electronic transfer operations is inefficient and time-consuming due to the need for manual data entry and intervention, often caused by discrepancies in attributes leading to entire groups of operations being suspended.

Innovation Solution

A user interface is employed to collectively manage suspended operations by automatically collecting and maintaining data, allowing entities to provide user input to resolve discrepancies, and enabling bulk resolution of suspended operations through interface elements.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If manual review and intervention are used to resolve suspended operations, then accuracy in determining valid operations is improved, but time consumption and operational efficiency deteriorate

Engineering Contradiction:
Improveaccuracy in determining valid operationsVSAvoidtime consumption for resolving suspended operations
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent segments suspended operations into groups based on shared attributes (e.g., same originator, same beneficiary, same amount). This allows the system to present grouped operations to users for collective review, reducing the number of individual decisions required while maintaining accuracy through attribute-based validation rules.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system performs preliminary validation by automatically comparing operation attributes against expected values before presenting suspended operations to users. This pre-processing filters out obviously valid or invalid operations, allowing users to focus only on edge cases requiring manual judgment, thus reducing overall resolution time while maintaining accuracy.

Inventive Principle:
Principle #10Preliminary action

2Reliability

If individual review of each suspended operation is performed, then operational accuracy is improved, but productivity and throughput deteriorate

Engineering Contradiction:
Improveoperational accuracyVSAvoidthroughput of operation resolution
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The patent merges multiple suspended operations into a single collective review unit based on shared attributes. Users can approve or reject entire groups of operations simultaneously through a single interface interaction, dramatically increasing throughput while maintaining reliability through attribute-based grouping logic that ensures operations with identical characteristics are treated consistently.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The system implements universal validation rules that apply across different operation types and groups. The same attribute comparison logic and validation criteria are used regardless of the specific operation characteristics, allowing the system to handle diverse operations efficiently while maintaining consistent accuracy standards across all resolutions.

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

3Reliability

If automated validation rules are applied to suspend operations with attribute discrepancies, then operational reliability is improved, but system complexity increases

Engineering Contradiction:
Improveoperational reliabilityVSAvoidsystem complexity for validation and management
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The system uses parameter-based validation by comparing specific operation attributes (originator, beneficiary, amount, etc.) against expected values stored in the database. This parameter-driven approach provides reliable automated validation without complex decision logic, as the same attribute comparison rules apply universally across all operations, simplifying the validation mechanism while maintaining high reliability.

Inventive Principle:
Principle #35Parameter changes

4Ease of operation

If centralized management interface is implemented for bulk operation approval, then ease of operation is improved, but time for system setup and configuration increases

Engineering Contradiction:
Improveease of managing suspended operationsVSAvoidtime for system setup and configuration
Core Design Contradiction:
Ease of operationVSLoss of time

Solution Approach 1:

The system provides self-service capabilities where users can directly interact with the centralized management interface to approve or reject suspended operation groups without requiring manual configuration or setup. The interface automatically presents grouped operations based on current data, allowing users to immediately begin resolving suspended operations without time-consuming system configuration, thus improving ease of operation without the setup time penalty.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS20250370800A1Collectively managing suspended operations using a user interface
Publication Date: 2025.12.04 TRUIST BANK
  • US20250370800A1 patent drawing
  • US20250370800A1 patent drawing
  • US20250370800A1 patent drawing

AI summary

A user interface can be used to collectively manage suspended operations. For example, a system can receive a data file that specifies groups of transfer operations to be executed. The system can determine that a subset of the transfer operations is invalid based on a respective attribute of the transfer operations differing from expected values. The system can assign a suspended status to flag each group as suspended operations. The system can transmit a view request to a database system to obtain one or more database views. The system can provide a user interface to an entity to indicate the suspended operations. The system may receive user input provided by the entity that may indicate simultaneous approval to execute the suspended operations. In response, the system can remove the suspended status from the suspended operations. Subsequently, the system can process the data file to execute all of the transfer operations.