Cross-Platform Data Interlinking via Centralized Integration Service
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Solution Overview
Problem
Current systems lack the ability to interlink and process information across multiple disparate platforms, leading to inefficiencies in identifying and managing consumer transactions across different lines of business, resulting in fragmented data and lack of comprehensive consumer insights.
Innovation Solution
A method and system for cross-platform authorization and processing, which involves obtaining authorization to link data from various platforms, using an integration service to aggregate transaction data across multiple lines of business, and providing a global identity for consumers, enabling the tagging and aggregation of transactions, and rendering them in a dynamic, interactive graph for user access and analysis.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If data is stored separately on multiple disparate platforms, then each platform maintains its own data integrity and security, but consumers cannot identify or discover that separate transactions across platforms are related to the same consumer
Solution Approach 1:
The patent introduces a centralized data lake as an intermediary component that receives and stores copies of transaction data from multiple disparate platforms. This data lake serves as a mediator that enables cross-platform transaction linkage without requiring changes to the existing platform architectures, thus maintaining data integrity while enabling consumer identification across platforms.
Solution Approach 2:
The patent creates a universal consumer identifier that can be used across multiple different platforms and lines of business. This identifier system allows the same consumer to be recognized whether they are making purchases at retail stores, using credit cards, or engaging with other services, enabling comprehensive transaction tracking without requiring platform-specific identification systems.
2Ease of operation
If separate transactions are recorded on different platforms, then each platform operates independently with its own processing logic, but consumers receive fragmented information across multiple reports and cannot efficiently manage their transactions
Solution Approach 1:
The patent merges transaction data from multiple disparate platforms into a unified view accessible to consumers. By consolidating transaction information from retail platforms, banking platforms, and other lines of business into a single accessible interface, consumers can efficiently identify and manage all their transactions in one place rather than checking multiple separate reports.
3Reliability
If platforms operate as separate lines of business, then each platform maintains its own data security and processing independence, but there is no mechanism for interlinking and processing information across platforms
Solution Approach 1:
The patent segments the data architecture into distinct components: separate platforms maintain their own data and processing independence, while a centralized data lake collects and stores copies of transaction data from these platforms. This segmentation allows each platform to maintain its security and independence while enabling cross-platform interlinking through the data lake.
Data Source
AI summary
A user authorizes cross-platform interlinking or user data. The cross-platforms are mined for user-authorized data. The data is processed into graph data and metrics data. The graph data is presented as an interactive graph interface to a user that responds to user selections/directions to provide user-defined views and levels of detail.