Transaction Log Analysis for Automatic Recurring Payment Execution

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Solution Overview

Problem

Users face inefficiencies and resource waste when manually executing recurring transactions, leading to missed transactions and associated penalties, as well as increased computing and network resource consumption in identifying and rectifying such missed transactions.

Innovation Solution

A transaction analysis platform monitors transaction logs to identify recurring transaction patterns and automatically executes upcoming transactions before the transaction period expires, conserving computing and network resources by preventing missed transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If transactions are manually executed by users, then users maintain control over transaction timing and accuracy, but users experience increased time consumption and risk of missed transactions leading to penalties

Engineering Contradiction:

Improvetransaction execution reliabilityVSAvoiduser time for manual transaction execution

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system automatically monitors transaction logs, identifies recurring transaction patterns, and executes transactions without requiring user intervention. The device performs self-service by autonomously detecting missed transactions and rectifying them, eliminating the need for manual user execution while maintaining reliability through automated pattern recognition and execution.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system performs preliminary analysis of transaction logs to identify recurring patterns before transactions are missed. By pre-configuring automatic execution based on detected patterns, the system prepares transaction schedules in advance, ensuring timely execution and preventing missed transactions before they occur.

Inventive Principle:

Principle #10Preliminary action

2Productivity

If automatic transaction execution is implemented, then transaction execution time is reduced and reliability is improved, but system complexity increases due to transaction log monitoring and pattern identification requirements

Engineering Contradiction:

Improvetransaction execution efficiencyVSAvoidsystem complexity for log monitoring and pattern recognition

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system uses self-service principles where the transaction monitoring system automatically analyzes its own transaction logs, identifies patterns, and executes transactions without external intervention. This self-contained approach improves productivity while managing complexity through automated closed-loop processing rather than requiring complex external coordination.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system merges multiple functions into a single integrated transaction management device that combines log monitoring, pattern recognition, and automatic execution capabilities. By consolidating these functions into one system rather than separate components, the overall device complexity is reduced while maintaining high productivity through coordinated operation of integrated modules.

Inventive Principle:

Principle #5Merging (Combining)

3Reliability

If transaction logs are monitored and analyzed, then missed transactions are prevented and resource waste is reduced, but computing and network resources are consumed for monitoring and analysis operations

Engineering Contradiction:

Improvemissed transaction preventionVSAvoidcomputing and network resource consumption

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

The system applies partial monitoring by focusing only on recurring transaction patterns rather than analyzing every single transaction in detail. By identifying and monitoring only the subset of transactions that follow recurring patterns, the system achieves reliable missed transaction prevention while consuming fewer computing and network resources compared to comprehensive full-transaction analysis.

Inventive Principle:

Principle #16Partial or excessive action

Solution Approach 2:

The system extracts and isolates only the relevant transaction data needed for pattern recognition and missed transaction detection from the complete transaction log. By taking out and analyzing only the essential elements (recurring patterns) rather than processing the entire transaction log, the system achieves effective prevention while minimizing computing and network resource consumption.

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS12393940B2Automatic transaction execution based on transaction log analysis

Publication Date: 2025.08.19 CAPITAL ONE SERVICES LLC

AI summary

A device may receive a preauthorization associated with missed transaction prevention for a transaction account of a user, wherein the missed transaction prevention involves preventing a missed transaction associated with merchant accounts of the user. The device may monitor a transaction log of the transaction account and identify a transaction pattern associated with a merchant account based on a plurality of historical transactions identified in the transaction log related to the merchant account. The device may determine that a historical transaction of the plurality of historical transactions is not designated for automatic execution and that an execution of an upcoming transaction corresponding to the plurality of historical transactions is not scheduled. The device may cause an account transaction associated with the upcoming transaction to be automatically executed before a transaction period expiration, associated with the merchant account, passes.