Database with dimensional balances updating

Patent metadata

Field	Value
Publication number	US-11410180-B2
Application number	US-202016912107-A
Country	US
Kind code	B2
Filing date	Jun 25, 2020
Priority date	Jun 25, 2020
Publication date	Aug 9, 2022
Grant date	Aug 9, 2022

Abstract

In an example embodiment, a method for updating a database with dimensional balancing comprises receiving a transaction request to transfer a portion of a first balance from the first balance to a second balance; determining a subset of the first balance less than or equal to the portion in the first balance compliant with dimensional rules based on one or more attributes of the subset and an identifier of an account holding the second balance; moving the determined subset from the first balance to the second balance; and updating attributes of the moved subset in the second balance.

First claim

What is claimed is:

1. A method of real-time updating a database with dimensional balancing, the method comprising:
receiving, by a database engine of a payment processor, a subset of a balance with an identifier from an account of a user;
assigning and storing, by the database engine, an attribute to the subset of the balance based on a dimensional rule, where the dimensional rule includes tiered attributes for moving a determined subset based on priority and the attributes are automatically swept with the subsets when they move;
accessing, by a client device, the balances via a user interface of a publication system of the payment processor,
receiving, by the payment processor, from the client device via a user interface, a transaction request to transfer a portion of a first balance from the first balance to a second balance in the database;
determining, by the payment processor, a subset of the first balance less than or equal to the portion in the first balance compliant with dimensional rules based on one or more attributes of the subset and an identifier of an account holding the second balance, the one or more attributes being orthogonal to each other, the dimensional rules including priority to subset with attributes of same jurisdiction of the subset of the first balance and the second balance over compliant subset with different jurisdiction, priority to subset with attributes of same currency of the subset of the first balance and the second balance over complaint subset over different currencies; and minimization of cost for transferring between jurisdiction of the subset of the first balance to the second balance if subset are compliant;
optimizing the moving, by the payment processor based on the dimensional rules, the determined subset from the first balance to the second balance;
updating in real-time, by the payment processor, attributes of the moved subset in the second balance, where a new subset with attribute is automatically created when the moved subset in the second balance attribute does not have attribute of subset of the first balance; and
causing display, with the user interface on a display of the client device, the first and second balances with the updated attributes after the moving.

2. The method of claim 1 , wherein the subset is less in amount than the portion and the method further comprises:
determining a second subset of the first balance compliant with the dimensional rules based on attributes of the second subset and the identifier of the account;
moving the determined second subset from the first balance to the second balance; and
updating attributes of the second subset in the second balance.

3. The method of claim 1 , wherein the attributes include reclaimed water and the method further comprises transferring reclaimed water in an amount of the subset to an end user.

4. The method of claim 1 , wherein the attributes include green electricity and the method further comprises transferring green electricity in an amount of the subset to an end user.

5. The method of claim 1 , wherein the attributes include jurisdiction and pending status.

6. The method of claim 5 , wherein the determining includes determining if the subset has a pending status of available and a matching jurisdiction between the first and second balances.

7. The method of claim 1 , wherein the dimensional rules include tiered attributes for priority movement, wherein the determining is repeated before the moving to identify a plurality of subsets compliant with the dimensional rules, and wherein the moving moves a determined subset from the plurality based on the tiered attributes.

8. The method of claim 1 , wherein one of the one or more attributes is time-dependent and the method further comprises updating, before the determining, the one time-dependent attribute.

9. A database system having real-time dimensional balance updating, the system comprising:
one or more hardware processors including a payment processor; and
a memory storing instructions that, when executed by at least one processor among the processors, cause the system to perform operations comprising, at least:
receiving, by a database engine of the payment processor, a subset of a balance with an identifier from an account of a user;
assigning and storing, by the database engine, an attribute to the subset of the balance based on a dimensional rule, where the dimensional rule includes tiered attributes for moving a determined subset based on priority and the attributes are automatically swept with the subsets when they move;
providing access, to a client device, the balances via a user interface of a publication system of the payment processor,
receiving, by the payment processor from the client device via the user interface, a transaction request to transfer a portion of a first balance from the first balance to a second balance in the database;
determining, by the payment processor, a subset of the first balance less than or equal to the portion in the first balance compliant with dimensional rules based on one or more attributes of the subset and an identifier of an account holding the second balance, the one or more attributes being orthogonal to each other, the dimensional rules including priority to subset with attributes of same jurisdiction of the subset of the first balance and the second balance over compliant subset with different jurisdiction, priority to subset with attributes of same currency of the subset of the first balance and the second balance over complaint subset over different currencies; and minimization of cost for transferring between jurisdiction of the subset of the first balance to the second balance if subset are compliant;
optimizing the moving, by the payment processor based on the dimensional rules, the determined subset from the first balance to the second balance;
updating in real-time, by the payment processor, attributes of the moved subset in the second balance, where a new subset with attribute is automatically created when the moved subset in the second balance attribute does not have attribute of subset of the first balance; and
causing display, with the user interface on a display of the client device, the first and second balances with the updated attributes after the moving.

10. The system of claim 9 , wherein the subset is less in amount than the portion and the operations further comprise:
determining a second subset of the first balance compliant with the dimensional rules based on attributes of the second subset and the identifier of the account;
moving the determined second subset from the first balance to the second balance; and
updating attributes of the second subset in the second balance.

11. The system of claim 9 , wherein the attributes include reclaimed water and the operations further comprises transferring reclaimed water in an amount of the subset to an end user.

12. The system of claim 9 , wherein the attributes include green electricity and the operations further comprises transferring green electricity in an amount of the subset to an end user.

13. The system of claim 9 , wherein the attributes include jurisdiction and pending status.

14. The system of claim 13 , wherein the determining includes determining if the subset has a pending status of available and a matching jurisdiction between the first and second balances.

15. The system of claim 9 , wherein the dimensional rules include tiered attributes for priority movement, wherein the determining is repeated before the moving to identify a plurality of subsets compliant with the dimensional rules, and wherein

Assignees

• Stripe Inc

Inventors

• Jackson Carl
• Ying Robert
• Masood Usman

Classifications

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q50/06 Primary

  Energy or water supply · CPC title

• G06Q20/027

  involving a payment switch or gateway · CPC title

• G06F16/2379

  Updates performed during online database operations; commit processing · CPC title

• G06Q20/405 Primary

  Establishing or using transaction specific rules · CPC title