Cross-Provider User Activity Monitoring System
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Solution Overview
Problem
Providers lack the ability to determine the criteria used by other providers when evaluating customers for new accounts or products, leading to inefficiencies and suboptimal decision-making.
Innovation Solution
A method and system that obtain user activity data from multiple users across different providers, identify accounts with specific providers, generate datasets based on account information, and evaluate these datasets to identify accounts that exceed or fall within predetermined thresholds, ultimately adjusting criteria to optimize account inclusion.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If providers monitor client account aspects, then they can evaluate customer performance, but they cannot determine criteria used by other providers
Solution Approach 1:
The patent introduces a third-party data aggregation system that acts as an intermediary between multiple providers and the analyzing provider. This intermediary collects user activity data from various providers without requiring direct data sharing agreements, enabling the analyzing provider to access evaluation criteria information indirectly through aggregated data from multiple sources.
Solution Approach 2:
The system is designed to handle data from multiple different providers universally, not limited to a specific provider network. The data aggregation and analysis infrastructure can process diverse account types and evaluation criteria from any provider, making the system broadly applicable across different financial service ecosystems.
2Measurement precision
If providers use traditional single-provider monitoring, then data collection is simple, but forecasting precision is reduced
Solution Approach 1:
The patent segments the data processing into distinct functional components: data collection from multiple providers, data aggregation into a unified structure, evaluation against predetermined criteria, and generation of adjusted criteria. This segmentation allows the system to handle large volumes of data systematically, processing information from multiple providers through standardized stages that maintain forecasting precision while managing data complexity.
3Manufacturing precision
If providers adjust evaluation criteria based on limited data, then decision-making is faster, but account selection accuracy decreases
Solution Approach 1:
The system performs preliminary data collection and aggregation from multiple providers before final criteria adjustment. By pre-processing and organizing data from various sources in advance, the system prepares comprehensive datasets that enable accurate account selection while streamlining the subsequent criteria adjustment process through pre-established evaluation frameworks.
Solution Approach 2:
The patent implements a feedback mechanism where the system generates adjusted evaluation criteria based on analyzed user activity data and presents them to the provider. This feedback loop allows providers to review and refine criteria using real insights from multi-provider data, improving account selection accuracy while maintaining efficient decision-making through automated analysis.
Data Source
AI summary
A computing system includes a processing circuit configured to obtain user activity data pertaining to a plurality of users enrolled in a service provided by a first provider, identify a first plurality of accounts for which one or more first users have with the first provider and a second plurality of accounts for which one or more second users have with one or more second providers, generate a plurality of datasets, identify a first set of accounts that exceed a predetermined threshold and a second set of accounts within the predetermined threshold, generate a plurality of changes to the predetermined criteria to adjust at least one of a number of accounts included in the first set of accounts or a number of accounts included in the second set of accounts, and generate and present a graphical user interface (GUI) including a plurality of elements to indicate the plurality of changes.