Dynamic LLM Prompt Adaptation for Open Banking Identity Data

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Solution Overview

Problem

Existing open banking services face challenges in efficiently aggregating and managing data due to the lack of automated, dynamic, and adaptable artificial intelligence solutions, leading to manual intervention and inefficiencies in decision-making.

Innovation Solution

A computer-implemented method and system using a dynamic large language model (LLM) to automatically adapt to open banking system objectives, enabling efficient data management and decision-making by iteratively refining prompts and retraining the LLM based on performance characteristics.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual intervention is used for data aggregation and decision-making in open banking services, then flexibility and adaptability are maintained, but productivity and efficiency deteriorate

Engineering Contradiction:
Improvedata aggregation efficiencyVSAvoidmanual intervention level
Core Design Contradiction:
ProductivityVSExtent of automation

Solution Approach 1:

The system enables self-service automation where the LLM autonomously performs data aggregation, analysis, and decision-making tasks without requiring manual intervention. The model automatically processes consumer identity data, matches it against training actions, and generates responses based on performance characteristics, thereby improving productivity while reducing manual workload.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system implements feedback mechanisms by evaluating LLM outputs against predefined performance characteristics and using this feedback to guide further training and optimization. This continuous feedback loop enables the system to automatically improve its data aggregation efficiency and adapt to changing requirements without manual reconfiguration.

Inventive Principle:
Principle #23Feedback

2Adaptability or versatility

If existing AI solutions are used for open banking services, then some automation is achieved, but adaptability to unique data structures and vernacular deteriorates

Engineering Contradiction:
Improveadaptability to data structuresVSAvoidconsolidated dynamic automation
Core Design Contradiction:
Adaptability or versatilityVSExtent of automation

Solution Approach 1:

The system employs dynamic adaptation where the LLM continuously learns from and adjusts to unique data structures and vernacular in open banking services. The model dynamically updates its understanding based on encountered data patterns, enabling it to adapt to evolving data formats and terminology without requiring manual programming for each scenario.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes operational parameters by retraining the LLM based on performance characteristics and encountered data patterns. This parameter adjustment enables the model to adapt to different data structures and vernacular by modifying its internal processing parameters rather than requiring rigid pre-programming for each data format.

Inventive Principle:
Principle #35Parameter changes

3Productivity

If consolidated dynamic automation is implemented, then productivity improves, but device complexity increases

Engineering Contradiction:
Improveservice provision efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system achieves multi-functionality by using a single LLM-based platform to perform multiple tasks including data aggregation, analysis, decision-making, and adaptation to various data structures. This universal approach consolidates what would otherwise require multiple separate systems into one unified platform, improving productivity while managing complexity through functional integration rather than multiplication of components.

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

Data Source

PatentUS20260050969A1Computer-implemented methods, systems comprising computer-readable media, and electronic devices for providing account identity large language model dynamic open banking services
Publication Date: 2026.02.19 MASTERCARD INT INC
  • US20260050969A1 patent drawing
  • US20260050969A1 patent drawing
  • US20260050969A1 patent drawing

AI summary

A computer-implemented method for providing dynamic LLM open banking services that includes: generating a predefined training action and a predefined prompt modification for consumer identity data prompts and storing with respective metadata configured for matching against values for performance characteristics of the LLM; generating an output based on a first prompt for consumer identity data to the LLM; evaluating the output against the predefined performance characteristics to generate values; matching the values to the predefined training action and prompt modification using the metadata; based on the predefined training action, curating a training data set and retraining the LLM thereon to generate a retrained LLM; based on the predefined prompt modification, generating a second prompt seeking consumer identity data; and generating a second output based on the second prompt to the retrained LLM.