Transaction Tagging for On-Device Search and Privacy

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Existing transaction record systems on client devices have limited search and filtering capabilities due to a small number of fields, resulting in inefficient and bandwidth-intensive searches.

Innovation Solution

A system that generates transaction tags on-device based on transaction characteristics, enabling efficient and secure on-device search and filtering of transaction records using machine learning models and algorithms.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If traditional transaction record systems with limited fields are used, then device complexity is reduced, but search efficiency and information retrieval capability deteriorate

Engineering Contradiction:

Improvesearch efficiencyVSAvoidrecord structure complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The patent segments transaction record information into two parts: traditional structured fields (merchant, amount, date) and unstructured free-text descriptions. Tags are extracted from the free-text portion, separating the tagging function from the core transaction data structure, thus improving search efficiency without significantly increasing overall system complexity

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces tags as an intermediary layer between the traditional transaction record fields and the search function. These tags serve as keywords that bridge the gap between limited structured fields and enhanced search capabilities, allowing efficient information retrieval without requiring a complete restructuring of transaction records

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If cloud-based search processing is used, then search capability is improved, but bandwidth consumption and processing costs increase

Engineering Contradiction:

Improvesearch capabilityVSAvoidbandwidth consumption

Core Design Contradiction:

ProductivityVSLoss of energy

Solution Approach 1:

The patent performs tag extraction and indexing as a preliminary action during local data processing, before search operations are initiated. By pre-processing transaction records to extract meaningful tags and create local indexes, the system enables fast local searches without requiring continuous cloud communication, thereby reducing bandwidth consumption while maintaining strong search capability

Inventive Principle:

Principle #10Preliminary action

3Measurement precision

If detailed transaction information is stored and processed, then search accuracy is improved, but user privacy and security risks increase

Engineering Contradiction:

Improvesearch accuracyVSAvoidprivacy risk

Core Design Contradiction:

Measurement precisionVSObject-affected harmful factors

Solution Approach 1:

The patent extracts only the essential identifying tags from detailed transaction information, separating key searchable attributes from sensitive personal data. By taking out only the necessary tags (merchant names, categories, locations) while leaving detailed personal transaction information local and untransmitted, the system achieves accurate search capability while minimizing privacy risks associated with data transmission and storage

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS12505130B2Transaction tags for enhanced searching

Publication Date: 2025.12.23 APPLE INC

AI summary

Enhanced searching at a user interface may be enabled by tagged transaction records. When a search query is received at the user interface, a user device may determine a set of suggested search queries. Selection of one of the suggested search queries causes the user device to provide a set of search results that are associated with each via at least one transaction tag defined by the selected suggested search query.