Centralized Account Data Management Platform
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Solution Overview
Problem
Users face difficulties in maintaining and updating multiple online accounts across different merchants, leading to inconsistencies and manual errors, which can result in account degradations and poor user experience.
Innovation Solution
A centralized platform that allows users to manage and update their account information across multiple accounts, propagating changes to linked third-party entities, thereby eliminating the need for manual updates in each account.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually update each online account separately, then each account can be updated individually, but the process becomes tedious and time-consuming
Solution Approach 1:
The patent combines multiple separate account update processes into a single centralized update operation. Users create one master account that stores their personal information, and this master account is linked to multiple merchant accounts. When users update their information, they do so once in the master account, and the system automatically propagates the updates to all linked merchant accounts, eliminating the need to manually update each account separately.
Solution Approach 2:
The master account serves multiple functions: it stores user personal information, acts as a central management point for multiple merchant accounts, and automatically distributes updates to all linked accounts. This universal account structure replaces the need for separate update processes for each merchant account, making the system both easier to operate and more time-efficient.
2Reliability
If users update multiple accounts individually, then each account can be maintained, but inconsistencies and errors occur across accounts
Solution Approach 1:
By merging the information storage function into a single master account that is linked to multiple merchant accounts, the system ensures that there is one source of truth for user personal information. This eliminates inconsistencies that arise when users manually update different accounts with potentially different information, as all accounts now reference the same master data.
Solution Approach 2:
The system implements automatic feedback loops where updates made to the master account are automatically detected and propagated to all linked merchant accounts. This feedback mechanism ensures that all accounts remain synchronized with the latest information without requiring user intervention, thereby improving reliability while managing complexity through automation.
3Measurement precision
If users manually enter account information for each merchant, then accounts can be created, but errors such as wrong digits occur
Solution Approach 1:
The system performs preliminary action by storing users' personal information in advance in the master account during the initial account creation process. This pre-stored information is then automatically retrieved and populated when users sign up for new merchant accounts or when updates are made, eliminating the need for users to manually re-enter the same information multiple times and reducing errors from manual typing.
Solution Approach 2:
The system creates and maintains copies of the master account information across multiple merchant accounts. Instead of users manually entering information for each account, the system automatically copies the verified information from the master account to all linked merchant accounts, ensuring accuracy while simplifying the user experience.
Data Source
AI summary
A system and/or method may be provided for publishing a user's updated account information to one or more entities. An example centralized platform system stores a plurality of central accounts of a user, where each central account corresponds with an account that the user has with another entity. The centralized platform system receives a user's updated account information associated with a central account and updates stale account information at the centralized platform system with the user's updated account information. The centralized platform system may identify a set of central accounts at the centralized platform system linked to the updated account information, identify a set of accounts that the user has with one or more other entities and that correspond with the set of central accounts, and publish the user's updated account information to the one or more entities.