Centralized Data Control Interface for Access Management

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Solution Overview

Problem

Existing systems for managing customer data and preferences across multiple platforms are cumbersome and increase security risks due to the sharing of customer information with numerous third-party systems.

Innovation Solution

A method and system for managing access to customer information, where a financial institution's computing system receives requests to view access permissions, identifies the permissions, generates a dataset, and transmits it to a user device to facilitate a data control interface, allowing customers to change access permissions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If customer information is shared with multiple third-party systems, then service functionality is improved, but security risk increases

Engineering Contradiction:

Improveservice functionalityVSAvoidsecurity risk

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces a data control interface as an intermediary layer between the customer's information and third-party systems. This interface acts as a mediator that receives, processes, and controls all data access requests, ensuring that no direct exposure of customer information occurs to external parties while still enabling service functionality.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent segments data access control into multiple independent components: the data control interface, permission management modules, and request processing units. Each component handles specific aspects of data access independently, allowing fine-grained control over what data is shared with which third parties while maintaining security through distributed control rather than centralized exposure.

Inventive Principle:

Principle #1Segmentation

2Measurement precision

If customers manage access permissions at each third-party system individually, then access control precision is improved, but operational complexity increases

Engineering Contradiction:

Improveaccess control precisionVSAvoidoperational complexity

Core Design Contradiction:

Measurement precisionVSEase of operation

Solution Approach 1:

The patent merges multiple分散ed permission management functions into a single centralized data control interface. Instead of requiring customers to manage permissions across numerous third-party systems individually, the interface consolidates all access control operations in one location, maintaining precise control while dramatically reducing operational complexity.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The data control interface is designed as a universal system that can manage permissions for multiple different third-party systems through a single unified interface. It performs multiple functions including viewing permissions, modifying access levels, and controlling data sharing across various platforms, eliminating the need for separate management interfaces for each system.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Productivity

If additional databases are created to store customer information, then data accessibility is improved, but vulnerability to security breaches increases

Engineering Contradiction:

Improvedata accessibilityVSAvoidvulnerability to security breaches

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The patent extracts the data storage function from the access control system. Instead of creating additional databases that would increase vulnerability, the system maintains data accessibility by allowing third parties to query and retrieve information through the controlled interface while the actual customer information remains stored in the original secure database, separated from the access management layer.

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS20250181210A1Access control interface for managing entities and permissions

Publication Date: 2025.06.05 WELLS FARGO BANK NA

AI summary

Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.