Secure Multi-Party Data Orchestration via Biometric Segmentation
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Solution Overview
Problem
Existing joint application processes for products or services often expose confidential content and require sequential completion, leading to undesirable exposure and potential termination due to delays.
Innovation Solution
A data orchestration system providing asynchronous and restricted access to confidential content, using filtering schemes and biometric authentication to control access and allow parallel submission of information by multiple applicants, ensuring secure and efficient joint application processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If confidential content is shared between customer and co-applicant for joint application, then joint product acquisition is enabled, but confidential content exposure increases
Solution Approach 1:
The patent segments confidential content into distinct categories (customer confidential content vs. co-applicant confidential content) and implements separate access controls for each party. The system divides the application data into protected segments that are selectively visible based on the user's role, enabling joint application while preventing cross-contamination of confidential information.
Solution Approach 2:
The patent introduces an intermediary verification system that acts as a mediator between customer and co-applicant. This intermediary verifies identities, manages authentication credentials, and controls information flow without exposing confidential content directly between parties. The intermediary layer enables collaboration while maintaining security boundaries.
2Reliability
If sequential application completion is required for joint applications, then application security is maintained, but processing time increases and productivity decreases
Solution Approach 1:
The patent implements a dynamic application processing system that adapts the completion sequence based on individual user actions. Instead of rigid sequential processing, the system allows flexible progression where different users can work on different sections simultaneously, with the system dynamically adjusting validation and submission timing. This maintains security through controlled access while improving throughput.
Solution Approach 2:
The patent enables continuous application processing by allowing multiple users to work concurrently on different portions of the application. The system maintains continuous validation and processing streams rather than pausing for sequential completion, ensuring that useful actions (data entry, verification, submission) continue uninterrupted across multiple users and devices.
3Loss of energy
If application timeout is enforced for sequential completion, then system resource management is improved, but application reliability decreases due to forced terminations
Solution Approach 1:
The patent implements preliminary authentication and session establishment before the application process begins. Users are pre-verified and given extended session tokens that allow prolonged completion time without triggering timeouts. The system prepares authentication credentials in advance, enabling users to complete applications at their own pace without resource wastage from premature terminations.
Solution Approach 2:
The patent provides a cushioning mechanism by implementing extended timeout periods for joint applications compared to individual applications. The system anticipates the need for multiple users to complete sections at different speeds and builds in additional time buffers. This beforehand cushioning prevents forced terminations while still maintaining resource management through eventual session expiration.
Data Source
AI summary
Apparatus and methods may enable a primary to add a co-applicant via phone number to initiate a three-way communication. The primary applicant and the co-applicant can submit their confidential content along with other inputs from their own device after biometric authentication. Consent to submit a final application can be taken separately from each applicant through biometric capabilities on their own personal devices. A chat-bot may orchestrate and collect information for application fulfillment in parallel from both the applicants. Confidential content of one applicant, such as a social security number, may be kept hidden from disclosure to a co-applicant. Interaction among applicants may be across one or more communication channels.