Third-Party Authorization Verification with Event-Driven Entitlements

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Transactional systems with multiple core systems face complexity in seamless interfacing and challenges in determining user authentication and entitlements due to separate repositories maintained by each core system.

Innovation Solution

An authorization platform with a policy engine maintains an entitlement repository and event listeners to update entitlement data based on core system events, allowing verification without polling, thus reducing computational overhead and improving performance.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If multiple core systems maintain separate repositories of user accounts and entitlements, then each core system can independently manage its own data, but the system becomes complicated and seamless interfacing becomes difficult

Engineering Contradiction:
ImproveIndependent data management capabilityVSAvoidSystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces an authorization platform as an intermediary component that sits between multiple core systems and third-party systems. This platform maintains a unified entitlement repository and handles authentication/authorization decisions centrally, allowing core systems to maintain their own separate repositories while avoiding direct complexity in interfacing with each other. The authorization platform mediates communications and resolves entitlements across all core systems.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If the authorization platform polls core systems for entitlement data, then it can obtain current entitlement information, but computing resources are consumed and performance is reduced

Engineering Contradiction:
ImproveEntitlement data currencyVSAvoidSystem performance
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The patent implements an event-driven architecture where core systems publish entitlement-modifying events (such as account creation, user addition, or permission changes) to the authorization platform. The platform subscribes to these events and automatically updates its entitlement repository when changes occur. This eliminates the need for polling while ensuring the authorization platform always has current entitlement data, thus maintaining both reliability and performance.

Inventive Principle:
Principle #23Feedback

3Productivity

If the authorization platform maintains entitlement data separately from core systems, then it can verify third-party authorization efficiently, but the system architecture becomes more complex

Engineering Contradiction:
ImproveThird-party verification efficiencyVSAvoidArchitecture complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent segments the system into distinct functional components: core systems that manage their own data, an authorization platform that handles authentication/authorization decisions, and third-party systems that make requests. The authorization platform maintains its own entitlement repository that is updated by events from core systems. This segmentation allows efficient third-party verification through a single unified data source without requiring the authorization platform to be deeply integrated with each core system's internal structure.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS12452309B2Third-party declarative transaction verification
Publication Date: 2025.10.21 LIVE OAK BANKING CO
  • US12452309B2 patent drawing
  • US12452309B2 patent drawing
  • US12452309B2 patent drawing

AI summary

A computing system includes a core system having an event engine and one or more interfaces; an authorization platform having authorization clients configured to maintain entitlement data, one or more event listeners, and one or more administration layer servers capable of configuring the one or more authorization clients; and a request router configured to route incoming electronic access requests to the authorization platform. The authorization platform can compute, by the event listener, that an entitlement event has occurred at the core system, communicate event data descriptive of the event to the one or more administration layer servers, communicate the event data to the one or more authorization clients, generate updated entitlement data based on the event data; and update the entitlement data based on the updated entitlement data.