SAFE Services Framework Dynamic Rule Application

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Solution Overview

Problem

Enterprises face security-related threats and the need for adaptable security services across various access channels, particularly in sectors like banking, where security standards and regulations can change frequently.

Innovation Solution

The implementation of a SAFE services module that receives service requests, determines appropriate subroutines, communicates with data servers, applies context-specific rules, and provides responses to endpoints, allowing for flexible and updated security, authentication, and fraud prevention services across different channels.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If a rigid security framework is implemented to ensure consistent security services, then security reliability is improved, but adaptability to changing standards and regulations deteriorates

Engineering Contradiction:
Improvesecurity consistencyVSAvoidadaptability to changing standards
Core Design Contradiction:
ReliabilityVSAdaptability or versatility

Solution Approach 1:

The security framework employs dynamic rule sets that can be updated without modifying the core system architecture. The policy engine loads and applies security rules, authentication methods, and compliance criteria that can be changed in response to new standards or threats, allowing the system to adapt while maintaining operational consistency through the same enforcement mechanism.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes parameters such as authentication requirements, security policies, and compliance rules based on external factors like regulatory updates or threat levels. By parameterizing security configurations rather than hardcoding them, the framework maintains reliability through consistent enforcement while adapting to changing requirements by modifying these parameters.

Inventive Principle:
Principle #35Parameter changes

2Adaptability or versatility

If a customized security service is developed for each access channel, then adaptability to specific channel requirements is improved, but system complexity deteriorates

Engineering Contradiction:
Improvechannel-specific adaptabilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The framework implements a universal security engine that serves multiple access channels (mobile, web, ATM, etc.) through a single system. The policy engine and rule evaluation mechanism are channel-agnostic, applying the same security logic across different interfaces. Channel-specific requirements are handled through configurable parameters and context information rather than separate customizations, reducing complexity while maintaining adaptability.

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

Solution Approach 2:

The system segments security concerns into distinct modular components: authentication services, authorization policies, fraud detection rules, and compliance checks. Each component can be independently configured for different channels through the policy engine, allowing channel-specific adaptability without creating monolithic customizations that would increase overall system complexity.

Inventive Principle:
Principle #1Segmentation

3Reliability

If comprehensive security checks are performed for all transactions, then security reliability is improved, but transaction processing time deteriorates

Engineering Contradiction:
Improvesecurity verificationVSAvoidtransaction processing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The framework applies partial security checks by evaluating only the subset of rules and authentication methods relevant to each transaction's risk profile and context. The policy engine selectively activates security measures based on transaction parameters, user profiles, and real-time risk assessment, performing comprehensive checks only when necessary rather than uniformly for all transactions.

Inventive Principle:
Principle #16Partial or excessive action

Solution Approach 2:

The system uses feedback from transaction context, user behavior patterns, and risk assessment results to dynamically adjust the level of security verification. Low-risk transactions may bypass certain checks while high-risk transactions trigger enhanced verification, allowing the framework to maintain reliability for critical transactions while reducing processing time for routine operations.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS9148447B2Safe services framework
Publication Date: 2015.09.29 BANK OF AMERICA CORP
  • US9148447B2 patent drawing
  • US9148447B2 patent drawing
  • US9148447B2 patent drawing

AI summary

Providing security-related services for enterprise service requests includes receiving a service request from an endpoint, determining the transaction parameter from the received service request, determining a subroutine for execution based on the transaction parameter, communicating with a data server to execute the subroutine, receiving subroutine results from the data server based on the executed subroutine, applying context-specific rules to the request based on instructive data specified in the subroutine results, determining a response based on the subroutine results and the applied context-specific rules, and communicating the response to the endpoint. Some embodiments may also include accessing transaction rules associated with the transaction parameter, determining an additional subroutine for execution based on the transaction rules, communicating with a data server to execute the additional subroutine, receiving additional subroutine results from the data server based on the executed additional subroutine, and communicating the results to the endpoint.