Dynamic UI Framework for Unified Workflow Orchestration

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Solution Overview

Problem

Existing systems for complex multi-step workflow journeys, such as electronic lending, are inefficient and redundant due to the inability to integrate disparate operations, components, and systems, leading to operational redundancies, disjointed user experiences, high latency, and high maintenance costs, and lack the infrastructure for real-time state management and data security.

Innovation Solution

A unified platform comprising integrated frameworks for authentication, dynamic user interface, workflow state management, active data loss prevention, and orchestration, along with a micro-service architecture, to seamlessly manage and orchestrate complex workflows across diverse systems and protocols.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If multiple independent solutions and systems are implemented for complex multi-step workflow journeys, then each specialized operation can be performed with its own dedicated system, but operational redundancies increase and processing efficiency decreases

Engineering Contradiction:
Improvespecialized processing capabilityVSAvoidprocessing efficiency
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The patent merges multiple independent solutions and systems into a single unified platform that can handle complex multi-step workflow journeys. The unified platform integrates various specialized operations (origination, underwriting, processing, disbursement, servicing) into one cohesive system, eliminating operational redundancies while maintaining specialized processing capabilities through modular architecture.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The unified platform is designed with multi-functionality to perform diverse workflow operations across different lending products and entities. It provides a universal framework that can accommodate various specialized operations through configurable workflows, allowing a single system to replace multiple independent systems while maintaining adaptability to different processing requirements.

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

2Adaptability or versatility

If each workflow journey initiates a respective combination of solutions independently, then each product type can be processed according to its specific requirements, but integration between systems is lost and coordination becomes manual

Engineering Contradiction:
Improveproduct-specific processingVSAvoidsystem integration
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The unified platform segments workflow journeys into discrete, manageable steps (origination, underwriting, processing, disbursement, servicing) that can be independently configured for different product types. Each workflow step is represented as a state in a state machine model, allowing product-specific requirements to be met through configurable workflow definitions while maintaining systematic integration through the unified platform architecture.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The platform employs dynamic workflow definitions that allow the sequence and configuration of processing steps to change based on product type, entity type, and other parameters. The state machine model enables workflows to dynamically transition between states based on business rules and conditions, providing adaptability to different product requirements while maintaining automated coordination through the unified system.

Inventive Principle:
Principle #15Dynamics

3Ease of manufacture

If multiple independent systems are used for different lending products, then each system can be optimized for its specific product, but maintenance costs increase and updates require continual effort

Engineering Contradiction:
Improveproduct optimizationVSAvoidmaintenance cost
Core Design Contradiction:
Ease of manufactureVSEase of repair

Solution Approach 1:

The unified platform provides a universal base architecture that serves all lending products and entities, reducing maintenance costs through centralized system management. Product-specific optimizations are achieved through configurable workflow definitions and parameters rather than separate system implementations, allowing updates and maintenance to be performed at the platform level rather than across multiple independent systems.

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

Solution Approach 2:

The platform enables product-specific processing through parameter changes in workflow configurations rather than through separate system implementations. By using a state machine model with configurable transitions and business rules, the system can optimize processing for different product types while maintaining a single codebase that is easier to maintain and update compared to multiple independent systems.

Inventive Principle:
Principle #35Parameter changes

4Adaptability or versatility

If disparate operations and systems operate independently, then each system can function with its own protocols and standards, but user experience becomes disjointed and latency increases

Engineering Contradiction:
Improveprotocol compatibilityVSAvoidprocessing latency
Core Design Contradiction:
Adaptability or versatilityVSLoss of time

Solution Approach 1:

The unified platform merges multiple disparate operations and systems into a single integrated system that processes workflow journeys end-to-end. By consolidating origination, underwriting, processing, disbursement, and servicing functions into one platform, the system eliminates the latency associated with manual coordination and data transfer between independent systems while maintaining protocol compatibility through standardized internal interfaces.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The unified platform enables continuous processing of workflow journeys through automated state machine transitions and event-driven architecture. Rather than having discrete, independently-operating systems that require manual handoffs, the platform maintains continuous processing flow across all workflow steps, reducing idle time and latency while preserving the ability to handle different protocols through configurable workflow definitions.

Inventive Principle:
Principle #20Continuity of useful action

Data Source

PatentUS12375470B2Dynamic user interface (UI) framework
Publication Date: 2025.07.29 CITIZENS FINANCIAL GROUP
  • US12375470B2 patent drawing
  • US12375470B2 patent drawing
  • US12375470B2 patent drawing

AI summary

A unified platform may comprise a combination of independent frameworks that have been integrated and configured to collaboratively operate seamlessly. In some aspects, the unified platform may comprise one or more of an authentication and authorization framework, a dynamic user interface framework, a workflow state management framework, a notification and active data loss and prevention (DLP) engine framework, and an orchestration engine framework. Each of the frameworks included in the unified platform may comprise one or more of the plurality of computing devices executing computer-readable program instructions.