API Framework for Revolving Account Activation

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Solution Overview

Problem

Existing technologies lack an efficient and real-time framework for activating revolving accounts based on user contact data, which hinders the timely identification of qualifying accounts and compromises user privacy.

Innovation Solution

A computer-implemented method and system that utilize an application programming interface (API) framework to dynamically generate preapproval and activation responses for revolving accounts. This involves receiving user contact data, constructing API requests, and applying machine-learning models to identify preapproved accounts and perform qualification inquiries in real-time.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of time

If traditional revolving account activation processes are used, then user privacy is protected through minimal data exposure, but the time required to identify qualifying accounts increases significantly

Engineering Contradiction:

Improvetime required to identify qualifying accountsVSAvoiduser privacy compromise

Core Design Contradiction:

Loss of timeVSObject-affected harmful factors

Solution Approach 1:

The system performs pre-qualification inquiries and generates preapproval responses before the user completes the full application process. By preliminarily assessing user eligibility using available contact data and generating preapproval API responses, the system identifies qualifying accounts in real-time without requiring complete personal information, thus reducing processing time while minimizing privacy exposure.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent introduces an intermediary API framework that mediates between the user's contact data and the revolving account determination process. This intermediary layer processes data through structured API requests and responses, enabling real-time prequalification while controlling data exposure. The API acts as a buffer that allows efficient processing without direct access to sensitive user information.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If real-time processing is implemented to reduce identification time, then user experience improves, but system complexity increases

Engineering Contradiction:

Improvereal-time account identification capabilityVSAvoidsystem architecture complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system segments the revolving account determination process into distinct modular components: contact data reception, prequalification inquiry generation, API request construction, response processing, and account identification. Each module handles a specific function, allowing real-time processing through systematic breakdown of complex operations into manageable, independent stages that can be executed efficiently.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent changes the operational parameters of the system by implementing structured API request/response protocols with defined data formats and processing rules. By standardizing parameters such as data transmission formats, inquiry structures, and response schemas, the system achieves real-time processing capability while managing complexity through parameter standardization rather than architectural complexity.

Inventive Principle:

Principle #35Parameter changes

3Measurement precision

If comprehensive user data is collected to ensure accurate account qualification, then determination accuracy improves, but data exposure and privacy risks increase

Engineering Contradiction:

Improvequalification inquiry accuracyVSAvoiduser data exposure

Core Design Contradiction:

Measurement precisionVSLoss of information

Solution Approach 1:

The system applies partial action by collecting and processing only the necessary portion of user data required for prequalification inquiries. Instead of requiring complete personal information, the system uses available contact data to generate preapproval responses with sufficient accuracy for initial qualification assessment, avoiding collection of excessive sensitive information while maintaining determination accuracy.

Inventive Principle:

Principle #16Partial or excessive action

Solution Approach 2:

The system performs preliminary data assessment using contact information before requesting additional sensitive data. By preliminarily evaluating user eligibility with minimal data exposure and only requesting supplemental personally identifiable information when prequalification indicates potential approval, the system achieves accurate determination while minimizing overall data exposure through staged information collection.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS20250191061A1Application user interface framework for activating revolving accounts

Publication Date: 2025.06.12 SYNCHRONY BANK

AI summary

Disclosed embodiments may provide an application-programming interface (API) framework for activating revolving accounts. A computer-implemented method can include receiving a preapproval API response to identify a set of preapproved revolving accounts. In response to receiving a selection of a revolving account from the set of preapproved revolving accounts, an activation API request for activating the selected revolving account can be constructed. In some instances, the activation API request includes supplemental personally-identifiable information (PII) associated with the user. The computer-implemented method can also include receiving an approval API response that includes an indication that the user is approved for the selected revolving account, and the indication is determined based on a formal qualification inquiry performed on the supplemental PII.