Data Control Tower for Centralized Access Permission Management

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Solution Overview

Problem

Customers face cumbersome processes when managing access permissions for multiple third-parties and devices to their financial information across various platforms.

Innovation Solution

A financial institution computing system provides a centralized data control interface allowing customers to manage access permissions for third-party systems and devices through a data control tower, enabling them to view, change, or revoke access permissions from a single location.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If customers manage access permissions at each third-party system individually, then each system can be controlled separately, but the process becomes cumbersome and time-consuming

Engineering Contradiction:

Improveease of managing access permissionsVSAvoidtime spent managing permissions

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The patent combines multiple third-party access permission management interfaces into a single centralized dashboard. This allows customers to view and manage all their data access permissions across multiple third-party systems from one unified location, eliminating the need to log into each third-party system separately and significantly reducing the time and effort required to manage permissions.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The centralized dashboard provides universal access to manage permissions for multiple different third-party systems through a single interface. This multi-functional platform enables customers to control data sharing across various services (e.g., health apps, retail stores, mobile wallets) without needing separate management systems for each service.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If customers access multiple third-party systems to manage permissions, then comprehensive control is achieved, but the complexity of the process increases

Engineering Contradiction:

Improvecomprehensive permission controlVSAvoidcomplexity of permission management process

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces a centralized dashboard as an intermediary interface between the customer and multiple third-party systems. This mediator consolidates access to various permission management systems into a single unified interface, allowing customers to comprehensively control all their data sharing permissions without navigating through multiple separate systems and reducing the overall process complexity.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If customers log into each third-party system separately, then precise control over each system is possible, but the number of steps required increases

Engineering Contradiction:

Improveprecision of permission controlVSAvoidnumber of steps in permission management

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The centralized dashboard merges access to multiple third-party permission management systems into a single unified interface. This consolidation maintains the ability to precisely control permissions for each individual third-party system while dramatically reducing the number of steps required, as customers no longer need to separately log into and navigate through each third-party system's permission settings.

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS12373884B2Data control tower

Publication Date: 2025.07.29 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.