Automatic Data Transfer for Transit Debt Recovery
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current transport systems that allow users to pay with bank cards face delays due to lengthy online transaction times, leading to inconvenient user experiences and inefficient debt recovery processes, with automatic debt recovery techniques being speculative and slow.
Innovation Solution
A computer-implemented method that transmits a first request for data transfer upon user device usage, detects declined requests, and sends a second request upon detecting an event indicating successful data transfer, such as a salary payment, to automatically and quickly update status lists and recover debts.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If an online transaction is performed with the user's bank card to pay for the journey, then the payment can be securely processed, but the time required for the transaction delays the user on entry and exit of the transport system
Solution Approach 1:
The system performs preliminary actions by pre-approving transactions within a credit limit before the user actually travels. The authorization is obtained in advance, so when the user enters or exits the transport system, the payment is already approved and can be processed immediately without delay. This separates the credit assessment (done preliminarily) from the transaction execution (done at travel time).
Solution Approach 2:
The payment process is segmented into distinct phases: (1) initial card verification and credit limit assessment, (2) pre-approval authorization within the credit limit, and (3) actual transaction execution at entry/exit. This segmentation allows the time-consuming credit verification to occur separately from the critical path of user travel, improving overall system response time while maintaining security.
2Extent of automation
If automatic debt recovery requests are sent to the issuer, then debt recovery can be performed automatically without user intervention, but the technique is speculative and the timing of requests cannot be optimized
Solution Approach 1:
The system implements feedback mechanisms by monitoring account activity and detecting events that indicate the user can now pay the outstanding balance. When such events are detected (e.g., successful transactions, account credits), the system automatically sends debt recovery requests at the optimal moment, rather than using fixed or speculative timing. This feedback loop enables intelligent, event-driven debt recovery that maximizes success probability.
Solution Approach 2:
The debt recovery system transitions from static, predetermined scheduling to dynamic, event-driven timing. Instead of sending requests at fixed intervals or random times, the system adapts its behavior based on real-time account status and detected events. This dynamic approach allows the system to automatically identify and exploit optimal moments for debt recovery, improving both automation effectiveness and timing precision.
3Device complexity
If the status list is updated slowly by traditional mechanisms, then system complexity is reduced, but the accuracy and timeliness of status list updates deteriorates
Solution Approach 1:
The system implements continuous monitoring and real-time detection of account events that indicate payment capability. Instead of periodic or batch updates, the system maintains continuous awareness of account status through event detection, ensuring the status list is updated immediately when relevant information becomes available. This continuous action maintains high accuracy without requiring complex manual intervention mechanisms.
Data Source
Figure 1
Figure 2~3
Figure 4
AI summary
Disclosed herein is a computer-implemented method for requesting a transfer of data, the method comprising: transmitting a first request for a transfer of data in response to the use of a user device; determining that the first request for the transfer of data has been declined; detecting an event that indicates that the transfer of data in response to the use of the user device can be accepted; and transmitting a second request for the transfer of data in dependence on detecting that the event has occurred.