Third-Party Data Access via Intermediary Authentication
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Solution Overview
Problem
Existing electronic databases face challenges in efficiently managing access restrictions and updating data records, particularly in identifying and securing user accounts across multiple third-party entities.
Innovation Solution
A system and method for account discovery that interfaces between an end-user and their external accounts, using API communication channels to analyze data items and apply rules for adding accounts to a secure risk item database, thereby managing access and updating risk scores.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the system accesses multiple data items from third-party entities via API communication channels, then the ability to identify and secure user accounts is improved, but the complexity of managing access restrictions and data retrieval increases
Solution Approach 1:
The patent introduces an intermediary authentication and permission management system that mediates between the user's computing device and third-party entities. This intermediary handles API credentials, authentication tokens, and permission requests, thereby reducing the complexity of direct access management while improving account identification reliability through centralized verification.
Solution Approach 2:
The system performs preliminary authentication and permission verification before accessing any data items from third-party entities. By establishing secure communication channels and validating access rights in advance, the system ensures reliable account identification while managing complexity through pre-computed authentication states.
2Measurement precision
If the system analyzes multiple data items to determine account types and apply scoring models, then the risk assessment accuracy is improved, but the processing time and computational resources increase
Solution Approach 1:
The patent segments the risk assessment process into distinct stages: data retrieval, account type determination, and risk scoring. By dividing the complex analysis into modular segments that can be processed independently and in parallel, the system improves measurement precision through comprehensive analysis while reducing overall processing time.
Solution Approach 2:
The system applies partial action by selectively analyzing only the most relevant data items and account characteristics needed for risk assessment, rather than processing all available data. This approach maintains sufficient risk score accuracy while significantly reducing processing time and computational resource consumption.
3Productivity
If the system updates risk data and scores in real-time based on new account information, then the responsiveness to user account changes is improved, but the data security and integrity challenges increase
Solution Approach 1:
The patent implements a feedback mechanism where the system continuously monitors for new account information from third-party entities, verifies the data through authentication, updates risk scores in real-time, and notifies users of changes. This feedback loop maintains high productivity in risk data updates while managing security risks through verified data ingestion protocols.
Solution Approach 2:
The system applies beforehand cushioning by establishing secure authentication channels and permission frameworks before receiving and processing any new account data. This pre-established security infrastructure cushions against data security risks while enabling real-time updates through validated data ingestion pipelines.
Data Source
AI summary
A user permission system manages and regulates access to secure data at one or more third-party data sites. The system may provide access to one or more databases or other data structures based on user authentication and access rules that have been established, such as by a user associated with the data being accessed at the third party data store. Access may be provided via an API to the third-party data site, along with access credentials of a user with data stored with the third-party data site, allowing the system to access data on behalf of the user.