Dynamic Rule Modeling for Digital Exposure Detection

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Solution Overview

Problem

Current exposure detection systems in digital channels lack the ability to dynamically and intelligently model rules for exposure detection in real-time, failing to effectively authenticate resource transfers and assess their authenticity based on functional workflows.

Innovation Solution

A system comprising a processing device configured to receive user requests, initiate a rule modeling engine, crawl a dynamic rule repository, and implement rules on functional workflows to determine authorization and likelihood of exposure, using machine learning algorithms to generate and prioritize rules for each resource transfer.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If traditional exposure detection systems are used, then the system structure is simple, but the system lacks the ability to dynamically and intelligently model rules for exposure detection in real-time

Engineering Contradiction:

Improvedynamic rule modeling capabilityVSAvoidsystem structure

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system implements dynamic rule modeling by allowing rules to be created, modified, and updated in real-time based on changing security requirements and threat patterns. The rule engine continuously adapts to new exposure scenarios without requiring system reconfiguration, enabling the framework to evolve dynamically while maintaining operational simplicity through automated rule management.

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

The exposure detection system performs self-service through automated rule generation and optimization. The machine learning algorithms automatically analyze functional workflows and generate appropriate security rules without manual intervention. The system self-optimizes by continuously learning from detected exposures and automatically updating its rule set, reducing the need for complex manual configuration while enhancing adaptability.

Inventive Principle:

Principle #25Self-service

2Reliability

If comprehensive security rules are implemented on all functions, then the security coverage is improved, but the processing time and system complexity increase

Engineering Contradiction:

Improvesecurity coverageVSAvoidprocessing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system segments the functional workflow into discrete, analyzable units and applies rules selectively to each segment based on its security risk profile. Rather than applying comprehensive rules uniformly across all functions, the rule engine identifies and applies only the necessary security checks to each functional segment, maintaining thorough security coverage while reducing unnecessary processing overhead and time loss.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

Different security rule sets are applied to different functions based on their specific security requirements and risk characteristics. High-risk functions receive more stringent rule enforcement, while low-risk functions receive minimal necessary checks. This localized approach to security rule application ensures comprehensive coverage where needed while minimizing processing time for lower-risk operations.

Inventive Principle:

Principle #3Local quality

3Extent of automation

If manual authentication protocols are used, then the authorization verification is thorough, but the automation level and processing efficiency are reduced

Engineering Contradiction:

Improveauthentication automationVSAvoidauthorization verification accuracy

Core Design Contradiction:

Extent of automationVSMeasurement precision

Solution Approach 1:

The authentication protocol incorporates continuous feedback loops where the system monitors authorization attempts, validates credentials against multiple security criteria, and automatically adjusts verification strength based on detected patterns. The system provides real-time feedback on authentication status and can dynamically escalate verification requirements based on risk assessment, maintaining thorough authorization verification while enabling high-level automation through adaptive decision-making.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20230128465A1System for enhanced exposure detection in digital channels

Publication Date: 2023.04.27 BANK OF AMERICA CORP

AI summary

Systems, computer program products, and methods are described herein for enhanced exposure detection framework in digital channels. The present invention is configured to receive, from a user input device and via a communication channel, a request to execute a resource transfer; extract a functional workflow associated with the resource transfer; initiate a rule modelling engine on the functional workflow associated with the resource transfer; crawl, using the rule modelling engine, a dynamic rule repository to determine a predetermined set of rules for the functional workflow; retrieve, from a dynamic rule repository, the predetermined set of rules; implement the predetermined set of rules on the one or more functions associated with the functional workflow; determine that the functional workflow meets one or more requirements of the predetermined set of rules; and authorize the request to execute the resource transfer.