AI-Driven API Compliance Integration for Changing Regulations

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Solution Overview

Problem

The dynamic and diverse nature of regulatory requirements for API compliance across different entities and regions, coupled with rapid technological advancements, renders traditional manual compliance methods obsolete and prone to errors, leading to significant reputational and legal risks.

Innovation Solution

An AI-driven system that integrates real-time data feeds from regulatory bodies, performs sentiment analysis, calculates sentiment alignment scores, and generates recommendations for API data handling practices to ensure compliance, adapting to evolving regulations and public sentiment.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional manual compliance methods are used, then implementation simplicity is maintained, but compliance accuracy and reliability deteriorate due to human error and obsolescence

Engineering Contradiction:
Improvecompliance accuracyVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent replaces manual compliance checking mechanisms with an automated AI-driven system that uses machine learning models, natural language processing, and algorithmic analysis to assess API compliance. This substitution eliminates human error while systematically processing regulatory requirements and API specifications to generate accurate compliance assessments.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The compliance system performs self-updating through continuous learning from new regulatory data and API specifications. The machine learning models automatically adapt to changing compliance requirements without manual reconfiguration, enabling the system to maintain high reliability while handling evolving regulatory landscapes independently.

Inventive Principle:
Principle #25Self-service

2Adaptability or versatility

If static compliance checking is used, then system simplicity is maintained, but adaptability to evolving regulations deteriorates

Engineering Contradiction:
Improveregulatory adaptabilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent implements a dynamic compliance assessment system where machine learning models continuously learn from new regulatory requirements and update their assessment criteria. The system adapts its behavior based on changing input data, allowing it to respond to evolving regulations rather than relying on fixed, pre-programmed rules.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system incorporates feedback loops where compliance assessment results and new regulatory data are fed back into the machine learning models for continuous improvement. This feedback mechanism enables the system to automatically adjust its compliance checking algorithms to maintain adaptability across different regulatory environments and time periods.

Inventive Principle:
Principle #23Feedback

3Reliability

If comprehensive regulatory analysis is performed, then compliance coverage is improved, but processing time increases

Engineering Contradiction:
Improvecompliance coverageVSAvoidprocessing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent performs preliminary processing of regulatory requirements and API specifications by pre-training machine learning models on comprehensive compliance data sets. This preliminary action enables the system to quickly assess compliance during actual operations without having to perform exhaustive analysis from scratch each time, thus maintaining comprehensive coverage while reducing processing time.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system creates simplified representations or copies of complex regulatory requirements through machine learning models that capture essential compliance criteria. These modeled representations allow for rapid compliance checking while preserving the comprehensive nature of the original regulatory frameworks, enabling fast yet thorough assessments.

Inventive Principle:
Principle #26Copying

Data Source

PatentUS20250238748A1Systems and methods for advanced algorithmic compliance integration in API frameworks
Publication Date: 2025.07.24 BANK OF AMERICA CORP
  • US20250238748A1 patent drawing
  • US20250238748A1 patent drawing
  • US20250238748A1 patent drawing

AI summary

Systems, computer program products, and methods are described herein for advanced algorithmic compliance integration in API frameworks. The present disclosure is configured to retrieve data from multiple sources via a data acquisition engine, encompassing subsets of regulatory text and public sentiment data. It standardizes and preprocesses this data, generating structured analysis data. A machine learning engine performs sentiment analysis on the public sentiment data subset. Based on this analysis, it calculates a sentiment alignment score, represented as a percentage value, reflecting the alignment between the regulatory text data and public sentiment data. The system further retrieves updated and historical regulatory text data, analyzing them to determine changes in requirements. It then generates recommendations for API data handling practices, incorporating both the sentiment alignment score and identified requirement changes. This system enhances compliance management in API frameworks, integrating real-time data analysis and predictive compliance strategies.