Biographical Data Updater Link Distribution

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Solution Overview

Problem

Existing card-updater systems are limited in updating user biographical data, primarily focusing on billing information and not addressing the need for automated dissemination of address changes to multiple trusted parties, which can be cumbersome and time-consuming, especially for transient individuals with multiple service providers.

Innovation Solution

An automatic user biographical data updater (BDU) system that receives, stores, and updates user biographical data, generating a trusted party data access link to enable secure and efficient dissemination of updated information to multiple trusted parties, including merchants and issuers, using a unified interface for user, issuer, and trusted party communication.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users manually update biographical data with each service provider, then each provider receives accurate information, but the process becomes time-consuming and error-prone

Engineering Contradiction:

Improvedata accuracyVSAvoidtime to update data

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system allows users to self-update their biographical data through a centralized platform, and the updated information is automatically distributed to all connected service providers. This eliminates the need for users to manually contact each provider, making the system serve itself by automating the data distribution process.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The patent introduces a centralized data repository and communication platform as an intermediary between users and multiple service providers. This intermediary automatically receives updates from users and distributes them to all connected providers, resolving the contradiction by automating what would otherwise require manual user intervention with each provider.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If users contact multiple service providers to update information, then all providers receive updates, but the complexity of the process increases

Engineering Contradiction:

Improvecompleteness of data updateVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent combines multiple separate update processes into a single unified system. Instead of users contacting each service provider separately, all updates are made through one centralized platform that automatically distributes information to all connected providers, reducing system complexity while maintaining completeness.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The centralized platform serves multiple functions: it acts as a data repository, a communication hub, and an automatic distribution system. This multi-functional approach consolidates what would otherwise require multiple separate systems, reducing overall complexity while ensuring all providers receive updates.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Loss of information

If known card-updater systems are used, then billing data is updated, but address data and other biographical information are not updated

Engineering Contradiction:

Improvebilling data currencyVSAvoidscope of data updated

Core Design Contradiction:

Loss of informationVSAdaptability or versatility

Solution Approach 1:

The system is designed to handle multiple types of biographical data including address information, contact details, and billing data through a single platform. This multi-functional capability allows it to supersede existing card-updater systems by providing comprehensive data updates beyond just billing information.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent segments biographical data into different categories (address, contact, billing) and provides targeted updates for each type. This segmentation allows the system to handle diverse data types efficiently while maintaining the ability to update all categories through a unified process, increasing versatility without sacrificing organization.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS10599628B2Multi-network systems and methods for providing current biographical data of a user to trusted parties

Publication Date: 2020.03.24 MASTERCARD INT INC

AI summary

An automatic user biographical data updater (BDU) computing device for automatically updating user biographical data is provided. The BDU computing device includes at least one processor in communication with at least one memory device. The BDU computing device is configured to receive user biographical data, to store the user biographical data in the at least one memory device, and to receive a data access request for the user biographical data from a trusted party. The BDU computing device is also configured to generate a trusted party data access link, to transmit the trusted party data access link to the trusted party, to receive updated user biographical data, to store the updated user biographical data, and to electronically link the stored updated user biographical data to the trusted party data access link. The BDU computing device is also configured to transmit an updated data notification message to the trusted party.