Dynamic Account Controls for Minor-to-Guardian Permission Transitions
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Solution Overview
Problem
Existing systems require users, particularly minors, to manually apply for permission changes in account features as they age, leading to inefficiencies and unnecessary data transmission.
Innovation Solution
A system that automatically adjusts account controls based on customer information, such as age and historical transactions, to dynamically increase permissions and decrease restrictions without user input, using a processor to define and transmit notifications to user devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users manually apply for authorization to use prohibited features, then the entity can control feature access, but the process becomes time-consuming and requires excessive data transmission
Solution Approach 1:
The system pre-defines multiple sets of account controls (first set, second set, etc.) with different permission levels before users need them. As users meet certain criteria (e.g., age milestones), the system automatically transitions them to appropriate control sets without requiring manual application, thus resolving the time-consuming authorization process while maintaining reliable access control.
Solution Approach 2:
The system enables automatic self-adjustment of account controls by monitoring user information and criteria met, allowing users to automatically receive appropriate permission upgrades without manual intervention. This eliminates the need for users to actively apply for authorizations, reducing time loss while maintaining security through predefined control sets.
2Reliability
If users manually apply for authorization, then the entity can review and approve requests, but excessive data is generated and network transmission increases
Solution Approach 1:
The system pre-establishes multiple account control sets with defined permission structures before users need them. By having these control sets ready in advance, the system can automatically assign appropriate permissions based on user criteria without generating excessive authorization requests and responses, thereby reducing network data transmission while maintaining reliable control.
Solution Approach 2:
The system extracts and processes only the essential customer information needed to determine which predefined control set applies to each user, rather than transmitting complete application packages. This selective information extraction reduces data transmission volume while maintaining authorization control reliability.
3Productivity
If the system automatically adjusts account controls, then efficiency is enhanced and manual interactions are reduced, but the system complexity increases
Solution Approach 1:
The system segments account controls into distinct, predefined sets (first set, second set, third set, etc.), each with specific permission levels. This segmentation allows the system to automatically transition users between discrete control states based on criteria met, enhancing efficiency while managing complexity through modular, pre-defined control structures rather than continuous adjustment logic.
Solution Approach 2:
The system automatically adjusts account controls by changing parameters (permission levels, restriction types) based on user information and criteria met. By using parameter-based transitions between predefined control sets, the system achieves high automation efficiency while keeping implementation complexity manageable through structured parameter management rather than complex algorithmic decision-making.
4Adaptability or versatility
If multiple sets of account controls are defined, then adaptability to different user needs is improved, but the device complexity increases
Solution Approach 1:
The system divides account controls into separate, well-defined sets (first set, second set, third set, etc.), each tailored to specific user needs or stages. This segmentation provides adaptability to different user scenarios while managing complexity through clear separation of control logic, making each control set independently manageable rather than one complex monolithic system.
Solution Approach 2:
The system creates multiple account control sets that can serve different user types or developmental stages universally. Each control set is designed to be applicable to various users meeting specific criteria, providing versatile adaptability without requiring custom configurations for each user, thus managing complexity through reusable, multi-functional control templates.
Data Source
AI summary
A system includes a processor and a data storage medium where the processor is caused to define a first set of account controls including first permissions and first restrictions for a first user (a minor) of a first customer account; define a second set of account controls including second permissions and second restrictions for a second user (a guardian of the first user) of the first customer account; adjust the first set of account controls to increase the first permissions and decrease the first restrictions; receive automated account management plans defining a set of account controls; select an automated account management plan based on monitored behavior of the first customer account; transmit a notification to the first user and the second user indicating that the first set of account controls are adjusted; receive a dismissal of the notification; and adjust the first set of account controls.