Digital Identity Selection Model for Purchase Partitioning

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Solution Overview

Problem

Existing cost saving applications rely heavily on active user engagement and manual comparison, leading to potential oversight in optimizing purchases and failing to utilize diverse digital identities for enhanced cost savings.

Innovation Solution

An item partitioning benefit optimization system that dynamically determines and utilizes multiple digital identities for individual purchase items, dissecting transactions into multiple components to enhance transactional efficiency and introduce granularity in the purchase process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual comparison and selection methods are used, then user engagement is maintained, but cost saving optimization is insufficient

Engineering Contradiction:
Improvecost saving optimizationVSAvoiduser engagement requirement
Core Design Contradiction:
ProductivityVSEase of operation

Solution Approach 1:

The system enables self-service by automatically selecting optimal digital identities and partitioning items without requiring user intervention. The machine learning model autonomously processes user attributes, digital identities, and item data to generate optimized purchase recommendations, eliminating the need for manual comparison while maintaining user benefit.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent replaces manual mechanical comparison processes with automated machine learning algorithms. The digital identity selection model uses computational methods to analyze multiple digital identities and determine optimal assignments, substituting human cognitive processing with automated AI-based decision-making.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Productivity

If single digital identity is used, then system complexity is reduced, but cost saving benefits are limited

Engineering Contradiction:
Improvecost saving benefitVSAvoiddigital identity management
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system segments the purchase process into multiple components by assigning different digital identities to different items within a single transaction. Each item can be independently associated with the most beneficial digital identity, allowing granular optimization without requiring complete system redesign.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent implements dynamic digital identity assignment where the system adapts its recommendations based on real-time analysis of user attributes, item characteristics, and available digital identities. The machine learning model continuously optimizes assignments based on current data, making the system flexible and responsive to changing conditions.

Inventive Principle:
Principle #15Dynamics

3Productivity

If automated digital identity selection is implemented, then purchase optimization is improved, but system complexity increases

Engineering Contradiction:
Improvepurchase optimizationVSAvoidsystem implementation
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system achieves multi-functionality by using a single machine learning model to handle multiple tasks: analyzing user attributes, evaluating digital identities, determining optimal assignments, and generating purchase recommendations. This universal approach consolidates what would otherwise require multiple separate systems into one integrated solution.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent leverages parameter changes by transforming raw user attributes and item data into optimized digital identity assignments through machine learning. The system processes input parameters (user attributes, item data) and transforms them into optimized output parameters (digital identity assignments, purchase recommendations), enabling automated optimization.

Inventive Principle:
Principle #35Parameter changes

4Measurement precision

If comprehensive digital identity analysis is performed, then cost saving accuracy is improved, but processing time increases

Engineering Contradiction:
Improvecost saving accuracyVSAvoidprocessing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary action by pre-processing and storing user attribute data, digital identity information, and item characteristics before the actual purchase decision is needed. The machine learning model is trained in advance on historical data, enabling rapid inference during actual transactions without requiring time-consuming analysis at the moment of purchase.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20250200636A1Artificial intelligence system for granular digital identity selection
Publication Date: 2025.06.19 WELLS FARGO BANK NA
  • US20250200636A1 patent drawing
  • US20250200636A1 patent drawing
  • US20250200636A1 patent drawing

AI summary

Systems, apparatuses, methods, and computer program products are disclosed for optimizing an item partitioning benefit. An example method includes detecting, by detection circuitry, a user visit event at an establishment that is associated with a user attribute set. The example method further includes determining, by a multimodal engine and based on the user attribute set, a user digital identity wallet comprising one or more user digital identities associated with a benefit set. The example method further includes, identifying, by a selection engine, one or more candidate items, and determining for each candidate item, by the selection engine and using a digital identity selection model, an optimal user digital identity indicative of an optimal item partitioning benefit. The example method further includes generating, by the selection engine and using the digital identity selection model, a candidate item partitioning set, and outputting, by communications hardware, a verification request.