Integrated Identifier Reconciliation System for Regulated Data

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Solution Overview

Problem

Organizations face challenges in managing and accessing differently regulated data, such as personal, credit, and financial data, due to divergent legal requirements, leading to increased costs, security risks, and liability for data privacy breaches.

Innovation Solution

The implementation of data management systems and methods that utilize integrated identifiers to streamline access to both regulated and non-regulated data, eliminating the need for separate identifiers and ensuring compliance with legal requirements through a reconciliation system.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If separate identifiers are used for regulated and non-regulated data, then compliance with different legal requirements is maintained, but data management complexity and cost increase

Engineering Contradiction:

Improvecompliance with legal requirementsVSAvoiddata management complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent merges separate identifier systems for regulated and non-regulated data into a single integrated identifier that can access both types of data. The reconciliation system combines multiple data sources and identifier types (SSN, driver's license, passport, etc.) into one unified identifier, eliminating the need to maintain separate identifier systems while remaining compliant with different legal requirements.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The integrated identifier serves multiple functions simultaneously - it can access both regulated data (subject to FCRA) and non-regulated data (not subject to FCRA) through a single identifier. This multi-functional identifier replaces the need for separate identifier systems, reducing complexity while maintaining compliance capabilities.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If separate identifiers are used for regulated and non-regulated data, then legal compliance is ensured, but costs increase

Engineering Contradiction:

Improvelegal complianceVSAvoiddata management cost

Core Design Contradiction:

ReliabilityVSLoss of energy

Solution Approach 1:

By merging separate identifier management systems into one integrated system, the patent eliminates duplicate infrastructure, processing, and maintenance costs associated with managing multiple separate identifier systems, while maintaining compliance through the reconciliation system's ability to handle different data types appropriately.

Inventive Principle:

Principle #5Merging (Combining)

3Reliability

If multiple identifiers are used to access differently regulated data, then compliance with regulations is maintained, but security risks increase

Engineering Contradiction:

Improveregulation complianceVSAvoidsecurity risks

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent consolidates access to both regulated and non-regulated data through a single integrated identifier, reducing the security surface area. Instead of managing multiple separate identifier systems that each present security vulnerabilities, the unified system reduces the number of access points and potential security failures while maintaining compliance through controlled data retrieval.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The reconciliation system acts as an intermediary layer between the integrated identifier and the underlying regulated and non-regulated data sources. This mediator ensures that appropriate compliance checks are performed while reducing direct exposure of sensitive data, thereby lowering security risks.

Inventive Principle:

Principle #24Intermediary (Mediator)

4Reliability

If parallel data management systems are used for regulated and non-regulated data, then legal requirements are met, but data transfer increases

Engineering Contradiction:

Improvelegal requirements complianceVSAvoiddata transfer volume

Core Design Contradiction:

ReliabilityVSLoss of substance

Solution Approach 1:

The patent merges parallel data management systems into a unified system that accesses both regulated and non-regulated data through a single identifier. The reconciliation system consolidates data retrieval operations, eliminating duplicate data transfers that occur when separate systems independently query their respective data sources.

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS12205076B2Systems and methods for providing an integrated identifier

Publication Date: 2025.01.21 EXPERIAN MARKETING SOLUTIONS INC

AI summary

Embodiments described herein provide systems and methods to streamline the mechanism by which data users access differently regulated data through the use of one or more integrated identifiers. The integrated identifiers lessen or eliminate the need to separately maintain one set of identifiers for regulated data and another set for non-regulated data. The methods and systems may be applicable in various credit and healthcare contexts where regulations over data use are prevalent. In one or more embodiments, a data user receives a unique integrated identifier for each of the data user's current or prospective customers, and the integrated identifiers can be used to persistently identify and track the customers over time and across applications that access regulated and/or non-regulated data. In the healthcare context, a healthcare provider may utilize a patient ID as the integrated identifier. To protect privacy, the integrated identifier may not include social security numbers or birthdates.