Payment Network Data Provisioning with User Controls
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The manual and laborious process of sharing data between parties, especially in transactions, is error-prone and lacks efficient control over data permissions, making it difficult to automate the sharing of sensitive information such as health and financial data.
Innovation Solution
A system and method that allow users to associate and control the sharing of personal data with their payment accounts, enabling data to be shared based on defined controls and triggers, such as payment interactions, outside of conventional payment network rails, ensuring secure and efficient data exchange between parties.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual data sharing processes are used between parties, then data can be shared between payment accounts and loyalty accounts, but the process becomes laborious and error-prone
Solution Approach 1:
The system pre-configures data sharing rules and permissions between payment accounts and loyalty accounts before transactions occur. Users can define in advance which data elements should be shared, with what level of access, and under what conditions, eliminating the need for manual data entry and reducing errors during actual transactions.
Solution Approach 2:
The system enables automated data provisioning where the payment network itself performs the data sharing operations based on pre-configured rules. The system automatically identifies relevant data, applies appropriate permissions, and provisions data to the correct accounts without requiring manual intervention, thereby improving both reliability and ease of operation.
2Productivity
If automated data sharing is implemented, then transaction efficiency is improved, but control over data permissions becomes more difficult to manage
Solution Approach 1:
The system segments data permission controls into distinct, manageable components including data element-level permissions, recipient-specific rules, and condition-based triggers. This segmentation allows the automated system to handle complex permission requirements through modular rule sets rather than monolithic control mechanisms, maintaining simplicity while enabling high-speed automated processing.
Solution Approach 2:
The payment network acts as an intermediary that manages data permission controls between users and third parties. By centralizing permission management at the network level with standardized rule structures, the system simplifies the complexity of data sharing while enabling automated high-volume transactions with appropriate security controls.
3Adaptability or versatility
If sensitive data is shared outside conventional payment network rails, then data exchange flexibility is improved, but security and compliance risks increase
Solution Approach 1:
The payment network serves as a trusted intermediary that facilitates data exchange between parties even when operating outside conventional payment rails. The network maintains control over data provisioning through its authorized data elements and permission structures, ensuring security and compliance while enabling flexible data sharing for purposes such as loyalty program integration and cross-network transactions.
Solution Approach 2:
The system implements feedback mechanisms where the payment network continuously monitors and validates data sharing operations against configured permission rules. This feedback loop ensures that even flexible data exchanges outside traditional rails maintain security requirements, with the network able to detect and prevent unauthorized or non-compliant data provisioning in real-time.
Data Source
AI summary
Systems and methods are provided for provisioning data based on network messaging. One exemplary method includes passing, by a network computing device, a message to an institution where the message includes an account identifier for an account of a user and data of a first party. The data of the first party includes a code associated with a category of the first party and/or an identifier of the first party. The method also includes detecting, by a computing device, the message based on inclusion of the account identifier in the message and retrieving a control for the user based on the account identifier. The method then includes identifying, by the computing device, data for the user to be shared with the first party based on the data of the first party satisfying the control and sharing the identified data with the first party apart from the network computing device.