Secure Metro2 File Generation via Data Transformation Framework

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Conventional systems for generating Metro2 files face inefficiencies and security vulnerabilities, particularly in data pipeline frameworks and methods for handling sensitive information.

Innovation Solution

The system employs a transformation framework and data pipeline to collect and merge data from various sources, generating accurate Metro2 files while securely handling personal identification information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If conventional systems store and move sensitive information throughout their systems, then credit information can be collected and processed, but the likelihood of exposing sensitive information to external entities increases

Engineering Contradiction:
Improvedata securityVSAvoiddata breach risk
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent extracts and removes personal identification information (PII) from the data pipeline before the data is stored or moved through the system. The system generates a scrubbed Metro2 file that excludes PII, thereby eliminating the harmful factor of exposed sensitive information while maintaining the ability to process and report credit information.

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The patent introduces an intermediary processing stage that separates the credit information from the personal identification information. This intermediary step allows the system to handle and report credit data while filtering out PII, thus protecting against data breaches without compromising the credit reporting function.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Adaptability or versatility

If conventional systems utilize data pipeline job configurations that operate on a particular data source, then data processing can be performed, but the system cannot adapt to other data sources without extensive modification

Engineering Contradiction:
Improvedata source compatibilityVSAvoiddata pipeline configuration complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent implements a universal data pipeline framework that can process data from multiple different data sources using a single standardized configuration. The system uses a transformation framework that adapts to various data source formats and structures, eliminating the need for extensive modifications when adding new data sources while maintaining processing capability.

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

3Productivity

If conventional systems utilize inefficient data pipeline frameworks, then data processing can be performed, but the generation of Metro2 files becomes inefficient

Engineering Contradiction:
ImproveMetro2 file generation efficiencyVSAvoiddata processing time
Core Design Contradiction:
ProductivityVSLoss of time

Solution Approach 1:

The patent performs preliminary actions by pre-processing and transforming data from various sources into a standardized format before the final Metro2 file generation. This preliminary transformation stage optimizes the data structure and removes unnecessary processing steps later in the pipeline, thereby improving overall efficiency and reducing processing time.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20250139625A1Secure data transformation and merging system
Publication Date: 2025.05.01 CHIME FINANCIAL INC
  • US20250139625A1 patent drawing
  • US20250139625A1 patent drawing
  • US20250139625A1 patent drawing

AI summary

The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that securely generates an unscrubbed Metro2 file. In particular, the disclosed systems can receive data from multiple data sources that relates to a user account. In some cases, the disclosed systems can merge the data related to the user account by utilizing a transformation framework to generate a data staging table. In one or more embodiments, the disclosed systems, based on the data stagging table can generate a scrubbed Metro2 file that does not include personal identification information. In some cases, the disclosed systems can validate the scrubbed Metro2 file by analyzing the data related to the user account. Subsequently, in some instances, based on validating the scrubbed Metro2 file, the disclosed systems can add the personal identification information to the scrubbed Metro2 file and generate an unscrubbed Metro2 file.