Tiered Bracket Matrix for Secure Digital Resource Distribution

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Solution Overview

Problem

Current digital resource distribution networks face challenges in identifying suitable users for transactions and protecting user privacy, as they lack efficient mechanisms for user identification and network navigation.

Innovation Solution

A digital resource distribution network matrix system that hashes user device contacts, maintains databases of users and financial institution users, captures transaction timestamps, and builds a tiered bracket matrix for secure user selection, providing a prepopulated list of contacts based on interaction history and network enrollment status.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If a digital resource distribution network is implemented to enable digital exchanges, then resource distribution capability is improved, but user identification difficulty increases

Engineering Contradiction:
Improveresource distribution capabilityVSAvoiduser identification difficulty
Core Design Contradiction:
Adaptability or versatilityVSDifficulty of detecting and measuring

Solution Approach 1:

The patent introduces a tiered bracket matrix as an intermediary mechanism that bridges the gap between users and digital resource distribution networks. The matrix processes and organizes user connection data, transforming raw contact information into structured tiers that facilitate efficient user identification and network navigation, thereby resolving the contradiction between enabling resource distribution and maintaining identification ease.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary actions by pre-processing user contact lists and transaction histories to create the tiered bracket matrix before actual resource distribution occurs. User connections are analyzed, hashed, and organized into tiers in advance, so when a user needs to interact with the network, the identification process is already prepared and streamlined, reducing real-time identification difficulty.

Inventive Principle:
Principle #10Preliminary action

2Measurement precision

If user connection data is collected to improve user identification, then user identification accuracy is improved, but privacy protection is compromised

Engineering Contradiction:
Improveuser identification accuracyVSAvoidprivacy protection
Core Design Contradiction:
Measurement precisionVSObject-affected harmful factors

Solution Approach 1:

The patent extracts only the essential connection data needed for user identification while leaving sensitive personal information protected. The system extracts connection patterns and interaction histories to build the tiered bracket matrix, separating identification-critical data from privacy-sensitive data, thereby achieving accurate user identification without compromising overall privacy protection.

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The system creates hashed copies of user contact data instead of storing or processing raw personal information. The hash function transforms sensitive contact lists into non-reversible representations that preserve identification accuracy while eliminating privacy risks associated with storing or transmitting actual contact information.

Inventive Principle:
Principle #26Copying

3Productivity

If a tiered bracket matrix is built to streamline user selection, then transaction efficiency is improved, but system complexity increases

Engineering Contradiction:
Improvetransaction efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent segments the user selection process into distinct tiers based on connection strength and transaction history. Instead of presenting users with a single overwhelming list of potential contacts, the system divides the selection process into manageable tiers (e.g., frequent contacts, occasional contacts, new contacts), making the interface simpler and the user decision process more efficient despite the underlying computational complexity.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS11587079B2Digital resource distribution network matrix for secure interactions
Publication Date: 2023.02.21 BANK OF AMERICA CORP
  • US11587079B2 patent drawing
  • US11587079B2 patent drawing
  • US11587079B2 patent drawing

AI summary

Embodiments of the invention are directed to systems, methods, and computer program products for a single degree tiered bracket matrix for secure digital resource distribution across a digital resource distribution network. In this way, the invention interrupts a digital resource distribution network and displays a tiered bracket matrix for a user to select from on the digital resource distribution network application. The tiered bracket matrix is determined by matching database points with an overlayed, timestamped, resource distribution network distributions for prepopulating of the matrix. Upon matching a user device contact hash value, the system may interrupt a resource distribution network application and splice in recommended users for resource distribution via the resource distribution network application in a tiered matrix display.