Account Configuration Bundles for Flexible, Low-Storage Updates

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Solution Overview

Problem

Conventional networking systems are inefficient in terms of storage and processing resources due to the individual storage of configuration attributes across accounts, leading to increased resource utilization and rigidity in updates, which undermines flexibility and functionality.

Innovation Solution

An account configurator system generates account configurations using configuration bundles, combining product configurations and account overrides, and utilizing key-value pairs to reference configuration bundles, allowing for centralized storage and efficient updates across multiple accounts.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If configuration attributes are stored individually across accounts, then each account can have its own configuration, but storage requirements increase significantly

Engineering Contradiction:
Improveaccount configuration flexibilityVSAvoidstorage requirements
Core Design Contradiction:
Adaptability or versatilityVSQuantity of substance

Solution Approach 1:

The patent merges configuration attributes into a centralized configuration bundle that is shared across multiple accounts. Instead of storing each attribute individually for every account, the system creates a single configuration bundle containing all common attributes, reducing redundant storage while maintaining the ability to customize configurations for individual accounts through overrides.

Inventive Principle:
Principle #5Merging (Combining)

2Manufacturing precision

If account attributes are updated individually at each account, then each account can be updated precisely, but processing power requirements increase significantly

Engineering Contradiction:
Improveattribute update precisionVSAvoidprocessing power requirements
Core Design Contradiction:
Manufacturing precisionVSPower

Solution Approach 1:

The patent combines attribute updates into a single operation at the configuration bundle level. When an attribute needs to be updated, the system updates the attribute once in the centralized configuration bundle, and this change is automatically reflected across all accounts that use the bundle, eliminating the need to update each account individually while maintaining precise control over attribute values.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The configuration bundle serves multiple accounts simultaneously, making the update operation universal rather than individual. A single update to the configuration bundle affects all accounts using that bundle, providing both precision in attribute control and efficiency in the update process.

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

3Adaptability or versatility

If individual account updates are performed, then account-specific configurations can be maintained, but system flexibility and adaptability decrease

Engineering Contradiction:
Improveconfiguration adaptabilityVSAvoidupdate efficiency
Core Design Contradiction:
Adaptability or versatilityVSProductivity

Solution Approach 1:

The system introduces dynamic overrides that allow individual accounts to customize specific attributes while still benefiting from the centralized configuration bundle. Accounts can dynamically select which attributes to override and which to inherit from the bundle, providing flexibility without sacrificing update efficiency.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The patent segments the configuration into two parts: the shared configuration bundle containing common attributes, and account-specific overrides for custom attributes. This segmentation allows the system to maintain flexibility for account-specific needs while achieving high update efficiency through centralized bundle management.

Inventive Principle:
Principle #1Segmentation

4Reliability

If attribute-level updates are applied rigidly, then data integrity is maintained, but latency increases and resource utilization increases

Engineering Contradiction:
Improvedata integrityVSAvoidupdate latency
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent merges multiple attribute updates into a single centralized operation. By updating the configuration bundle once rather than individually for each account, the system maintains data integrity through consistent configuration management while dramatically reducing update latency and the time required to propagate changes across the system.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS12423290B2Generating account configurations using configuration bundles
Publication Date: 2025.09.23 CHIME FINANCIAL INC
  • US12423290B2 patent drawing
  • US12423290B2 patent drawing
  • US12423290B2 patent drawing

AI summary

This disclosure describes an account configurator system that, as part of an inter-network facilitation system, can generate account configurations for digital accounts using configuration bundles. For example, the disclosed systems can utilize custom tooling for an account configuration component that generates account configurations for digital accounts by augmenting baseline (e.g., default) product configurations with account overrides. To generate an account configuration, the disclosed systems can identify a baseline product configuration that references a configuration bundle for a subset of account configuration attributes and can modify the product configuration using an account override that also references a configuration bundle to supersede or replace one or more configuration attributes of the product configuration (with those of the configuration bundle referenced by the account override).