Multi-core Account Processing via Intermediary Access Module
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Solution Overview
Problem
Entities using different core processing systems face compatibility issues, leading to difficulties in accessing accounts across merged or acquired entities with the same credentials or interface, often requiring migration between systems.
Innovation Solution
A system and method for multi-core account and transaction processing that authenticates users and queries multiple core processing systems to retrieve identifiers, allowing real-time access to data from multiple accounts through a single electronic interface, using a datapath module to manage access and migration between systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If entities use different core processing systems, then each entity can maintain its own processing architecture and operations, but users cannot access accounts from both entities using the same credentials or interface
Solution Approach 1:
The patent introduces an intermediary layer (access module, gateway, or proxy server) that sits between the user interface and multiple core processing systems. This intermediary translates requests and responses between different systems, enabling unified access without requiring direct integration between incompatible core systems. The intermediary handles authentication, credential mapping, and protocol translation, resolving the contradiction by providing adaptability through the mediator while isolating system complexity.
Solution Approach 2:
The patent implements a universal access interface that can interact with multiple different core processing systems through standardized protocols. The access module is designed to be multi-functional, supporting various authentication methods and communication protocols to accommodate different underlying systems. This universality allows users to access accounts from different entities through a single interface without exposing the complexity of each specific core system.
2Ease of operation
If users are forced to migrate between account systems, then system compatibility is maintained, but user convenience and access time are reduced
Solution Approach 1:
The patent implements preliminary authentication and account linking actions. During initial setup or first login, the system pre-establishes credential mappings and authentication pathways between different core processing systems. User profiles and account associations are pre-configured, so when users need to access multiple entity accounts, the authentication and routing are already in place. This eliminates the need for time-consuming migration actions at the moment of access, providing immediate convenience while maintaining system compatibility.
3Ease of operation
If a single interface provides access to multiple core processing systems, then user convenience is improved, but system complexity and authentication management increase
Solution Approach 1:
The access module serves as an intermediary that centralizes authentication management. It maintains credential stores and authentication state for multiple core processing systems, translating unified user credentials into system-specific authentication tokens. The intermediary handles the complexity of managing multiple authentication mechanisms internally while presenting a simple, unified interface to users. This resolves the contradiction by containing authentication complexity within the mediator layer while maintaining interface simplicity.
4Reliability
If different identifiers are used for the same user across core processing systems, then system-specific security is maintained, but data access and integration become difficult
Solution Approach 1:
The patent implements feedback mechanisms where the access module queries core processing systems to verify and update user identifier mappings. When a user authenticates or accesses an account, the system receives feedback about the successful authentication and uses this to confirm or update the mapping between unified user identifiers and system-specific identifiers. This continuous feedback loop ensures that identity mappings remain accurate and secure while enabling seamless data access across systems. The feedback mechanism maintains security by verifying mappings through the core systems themselves rather than relying solely on stored mappings.
Data Source
AI summary
Apparatuses, methods, computer program products, and systems are disclosed for multi-core account/transaction processing. A method includes authenticating a user with electronic credentials. A method includes querying a first core processing system to determine an identifier for a first account with the first core processing system. A method includes querying a second core processing system to determine a different identifier for a different account with the second core processing system. A method includes accessing the first account with the first core processing system using the first identifier for the user to receive data associated with the first account. A method includes accessing the different account with the second core processing system using the different identifier for the user to receive data associated with the different account. A method includes providing real-time access to both the data associated with the first account and with the different account within a single electronic interface.