Federated Customer Identifier Generation Across Platforms

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Solution Overview

Problem

Current systems require manual intervention to positively identify customers across multiple business platforms using different platform-specific identifiers, leading to incomplete and inaccurate monitoring results due to incomplete, outdated, or inaccurate customer data.

Innovation Solution

An automated method and system that determines a customer's identity across multiple platforms by generating a federated identifier based on data matches and similarity analysis between platform-specific identifiers, eliminating the need for manual analysis.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If manual intervention is used to positively identify customers across multiple platforms, then customer identification accuracy can be improved, but productivity and time consumption deteriorate due to painstaking manual analysis

Engineering Contradiction:
Improvecustomer identification accuracyVSAvoidanalyst productivity
Core Design Contradiction:
Measurement precisionVSProductivity

Solution Approach 1:

The patent introduces an automated customer identification system that acts as an intermediary between multiple platform-specific customer identifier systems. This system collects data from various platforms, applies correlation rules and machine learning algorithms to match identifiers across platforms, and generates federated customer identifiers. This intermediary automation resolves the contradiction by maintaining high identification accuracy through sophisticated algorithms while eliminating manual analyst intervention, thereby dramatically improving productivity.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical manual analysis process with an automated computational system. Instead of analysts painstakingly examining customer data manually, the system uses automated data collection, correlation rule engines, and machine learning models to perform identifier matching across platforms. This substitution maintains measurement precision through algorithmic accuracy while eliminating the time-consuming manual process, thus resolving the productivity contradiction.

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

2Adaptability or versatility

If multiple platform-specific customer identifiers are used across different business platforms, then adaptability and ease of operation are improved, but the ability to positively identify the same customer across platforms deteriorates due to incomplete and inaccurate data

Engineering Contradiction:
Improveplatform-specific identifier flexibilityVSAvoidcustomer identity determination reliability
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The patent creates a universal federated customer identifier system that works across multiple platforms while maintaining platform-specific identifier flexibility. The system collects data from various platforms using their existing identifier systems, then applies correlation rules and machine learning to create a unified view. This universal approach allows the same customer to be reliably identified across platforms using different platform-specific identifiers, resolving the contradiction between adaptability and reliability.

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

Solution Approach 2:

The patent transforms customer identification from platform-specific parameter sets to a unified federated identifier. By collecting multiple data parameters from different platforms and applying correlation rules with weighted scoring, the system changes the identification parameters from isolated platform identifiers to a comprehensive multi-parameter assessment. This parameter transformation enables reliable customer identity determination while preserving the flexibility of platform-specific identifiers.

Inventive Principle:
Principle #35Parameter changes

3Productivity

If automated systems are implemented to identify customers across platforms, then productivity is improved, but measurement precision may deteriorate due to incomplete, outdated, or inaccurate customer data in systems of record

Engineering Contradiction:
Improveautomated identification throughputVSAvoidcustomer identification accuracy
Core Design Contradiction:
ProductivityVSMeasurement precision

Solution Approach 1:

The patent implements preliminary data collection and validation steps before performing customer identifier matching. The system proactively collects customer data from multiple platforms, validates data quality, and pre-processes information to ensure accuracy. By performing these preliminary actions, the automated system maintains high measurement precision even when dealing with incomplete or outdated data, while still achieving high productivity through automation.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent incorporates feedback mechanisms where the automated identification system continuously learns from matching results and data quality assessments. Machine learning models are trained on identified customer patterns and feedback from successful matches, improving their ability to accurately identify customers even with imperfect data. This feedback loop enables the automated system to maintain high measurement precision while processing large volumes of data efficiently.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS9092603B2Creating federated customer identifiers to positively identify customers interfacing with a business across access platforms
Publication Date: 2015.07.28 BANK OF AMERICA CORP
  • US9092603B2 patent drawing
  • US9092603B2 patent drawing
  • US9092603B2 patent drawing

AI summary

Methods, apparatus, systems and computer program products described and claimed that provide for automatically and positively determining that a customer interfacing with one business platform application using a platform-specific customer identifier is the same customer that is interfacing with another business platform application using another platform-specific customer identifier. Once the positive determination of same customer is made, a federated identifier key is generated and applied to all of the platforms, so as to globally identify the customer across multiple enterprise-wide platforms. As such, the present invention eliminates the labor-intensive need to manually analyze customer data to determine if a customer interfacing with one platform is the same customer interfacing with another platform.