Social Network Analyzer for Financial User Identification

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Solution Overview

Problem

Current online social network platforms lack effective methods to accurately identify users based on information from financial services systems, limiting personalized service offerings and targeted communications.

Innovation Solution

A system that retrieves user profiles from financial services systems, connects to online social networks, compares user information with social network profiles, generates matching scores, and transmits targeted service communications.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If user identification methods are implemented using existing social network platforms, then user identification capability is improved, but accuracy and reliability of matching financial services users with social network profiles deteriorates due to lack of effective identification methods

Engineering Contradiction:

Improveuser identification accuracyVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces an intermediary system comprising a social network interface, comparison module, and scoring mechanism that acts as a mediator between financial services systems and social network platforms. This intermediary collects social network data, compares it with financial services user data, generates matching scores, and facilitates accurate user identification without requiring direct integration between the financial services system and social network platforms, thereby maintaining system simplicity while improving identification reliability

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent segments the user identification process into distinct functional modules: a social network interface module for collecting social network data, a comparison module for matching data between systems, and a scoring module for generating identification confidence scores. This segmentation allows each module to perform its specific function efficiently while keeping the overall system architecture manageable and reducing complexity

Inventive Principle:

Principle #1Segmentation

2Measurement precision

If comprehensive user data comparison is performed between financial services systems and social networks, then identification accuracy is improved, but information processing time and computational resources increase

Engineering Contradiction:

Improveprofile matching accuracyVSAvoiddata processing time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The patent implements partial action by initially comparing only key identifying fields (such as name, email, or phone number) between financial services users and social network profiles to generate preliminary matching scores. Only when initial partial comparisons indicate potential matches does the system proceed to more comprehensive data comparison, thereby achieving sufficient identification accuracy without always requiring full data processing

Inventive Principle:

Principle #16Partial or excessive action

Solution Approach 2:

The patent performs preliminary actions by pre-collecting and storing social network profile data in the intermediary system before actual user identification is needed. This allows the comparison module to quickly retrieve and compare social network data with financial services user data during the identification process, reducing real-time processing time while maintaining comprehensive comparison accuracy

Inventive Principle:

Principle #10Preliminary action

3Adaptability or versatility

If user profiles from financial services systems are retrieved and compared with social network profiles, then personalized service capability is improved, but data privacy and security risks increase

Engineering Contradiction:

Improvepersonalized service capabilityVSAvoiddata privacy risk

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent uses the intermediary system as a privacy-protecting mediator that collects, stores, and processes social network profile data centrally. This allows financial services systems to obtain matched user information without directly accessing or storing sensitive social network data, thereby enabling personalized service capability while reducing data privacy risks through centralized data management and controlled access

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent extracts only the specific matching score and identified social network profile information needed for personalized service delivery, rather than transferring or storing comprehensive user data between systems. This extraction approach enables personalized service capability while minimizing data privacy and security risks by limiting data exposure to only what is necessary for the service function

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS11375804B1Online social media network analyzer

Publication Date: 2022.07.05 WELLS FARGO BANK NA

AI summary

Increasingly, individuals use online social network platforms (also referred to as Internet-based social networks) to access a variety of information and content, such as articles on various topics, updates related to a user and individuals within the user's network, friend suggestions, advertisements, news stories, and the like. Among other things, embodiments of the present disclosure can be used to help identify users of a social network based on various information.