Identity Orchestration Ledger for Cross-Subsystem Financial Transactions

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Solution Overview

Problem

Financial systems typically have separate and distinct subsystems for different interactive capacities, leading to users being unable to cross-interact between them, resulting in inefficiencies and the need for redundant user interactions and increased data storage.

Innovation Solution

An identity-based interconnected financial system using a blockchain-based ledger to facilitate transactions across multiple subsystems, enabling universal recognition of users and reducing the need for separate interactions by using an identity orchestration engine and knowledge system for personalized recommendations.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If separate and distinct subsystems are used for different interactive capacities, then system functionality and security are improved, but user cross-interaction capability deteriorates

Engineering Contradiction:

Improveuser cross-interaction capabilityVSAvoidsystem architecture complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces an intermediary layer (identity resolution service, transaction coordinator) between separate financial subsystems that enables cross-subsystem transactions without requiring direct integration between subsystems. This mediator resolves user identities across subsystems and coordinates transactions, allowing users to interact across subsystems while maintaining the architectural benefits of separation.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent implements a universal user identification mechanism that works across multiple subsystems. By establishing a common user identity framework that is recognized by all subsystems, the system enables users to access services across different subsystems through a single identity, improving cross-interaction capability without requiring subsystem-specific authentication for each interaction.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If separate and distinct subsystems are used for different interactive capacities, then system security and isolation are improved, but transaction clearing time deteriorates

Engineering Contradiction:

Improvesystem securityVSAvoidtransaction clearing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The transaction coordinator acts as an intermediary that receives transactions from one subsystem, resolves user identities, validates transaction details, and routes them to the appropriate target subsystem. This coordinated approach maintains security through controlled interaction points while optimizing clearing time by centralizing the coordination function rather than requiring direct point-to-point communication between all subsystem pairs.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The identity resolution service performs preliminary actions by pre-establishing and maintaining a mapping between user identifiers across different subsystems. When a transaction occurs, the system can quickly resolve identities without performing complex real-time matching, thereby reducing transaction clearing time while maintaining security through pre-validated identity relationships.

Inventive Principle:

Principle #10Preliminary action

3Quantity of substance

If separate and distinct subsystems are used for different interactive capacities, then data storage requirements are reduced, but errors increase due to lack of integration

Engineering Contradiction:

Improvedata storage requirementsVSAvoidtransaction accuracy

Core Design Contradiction:

Quantity of substanceVSReliability

Solution Approach 1:

The transaction coordinator serves as an intermediary that validates transaction details, checks user balances, and ensures transaction accuracy across subsystems. By centralizing validation logic in the mediator, the system maintains the data storage benefits of separate subsystems while reducing errors through coordinated validation that prevents inconsistent state changes across subsystem boundaries.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system implements feedback mechanisms where the transaction coordinator receives confirmation of transaction completion from target subsystems and provides feedback to source subsystems. This feedback loop enables error detection and correction by allowing the system to verify that transactions were properly processed and to identify and correct any discrepancies that may have occurred during cross-subsystem transactions.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20260080391A1Hyper-personalized identity-based financial system

Publication Date: 2026.03.19 AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC

AI summary

Systems and methods for identity-based interconnected transactions are disclosed. The system may receive an interconnected transaction request comprising a first financial subsystem identifier, a second financial subsystem identifier, and a transaction request. The first financial subsystem and the second financial subsystem may not be in direct communication with each other. The first financial subsystem may write the interconnected transaction request to an interconnected transaction ledger. The second financial subsystem may retrieve the interconnected transaction request from the interconnected transaction ledger. In response to retrieving the interconnected transaction request the second financial subsystem may complete the transaction request.