Trusted User Data Access Schemas to Limit Third-Party Exposure

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Conventional data management systems face challenges in securely sharing sensitive information with third-party systems, as they often transmit more data than necessary, exposing clients to risks and discomfort due to the lack of control over data sharing.

Innovation Solution

A trusted data management system (TDMS) allows users to define data sharing schemas specifying subsets of user data and formats for transmission to third parties, ensuring only the minimum required information is shared, thereby enhancing security and reducing transmission burdens.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If conventional data management systems transmit user data to third party systems, then third party systems can access required information, but excessive data transmission exposes clients to security risks and causes client discomfort

Engineering Contradiction:
Improvedata securityVSAvoiddata exposure risk
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent segments user data into distinct data elements and organizes them in a structured schema. Each data element can be independently controlled for sharing, allowing the system to transmit only specific required elements rather than bulk data, thereby reducing data exposure risk while maintaining necessary functionality.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent applies different sharing permissions and access controls to different data elements within the same dataset. By defining specific access rights for each data element at the local level, the system enables selective data sharing where only necessary elements are exposed to third parties, improving security without compromising overall system functionality.

Inventive Principle:
Principle #3Local quality

2Ease of operation

If conventional systems store information within a single application, then data access is simplified, but clients are uncomfortable with the risk of storing information in a single location

Engineering Contradiction:
Improvedata access simplicityVSAvoiddata storage security
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent introduces a trusted data management system as an intermediary between the client and third party systems. This intermediary maintains centralized storage for simplified access while implementing schema-based access controls and authentication mechanisms that enhance security. The intermediary manages data sharing permissions without requiring clients to directly store data in multiple locations.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Adaptability or versatility

If third party systems request user data, then they can perform required interactions, but they receive more data than necessary increasing transmission burden

Engineering Contradiction:
Improvedata sharing flexibilityVSAvoiddata transmission burden
Core Design Contradiction:
Adaptability or versatilityVSLoss of energy

Solution Approach 1:

The patent extracts and transmits only the specific data elements required for a given third party interaction rather than transmitting complete datasets. The schema-based system identifies and extracts only the necessary elements based on the interaction type, reducing transmission burden while maintaining the flexibility to adapt to different third party requirements.

Inventive Principle:
Principle #2Taking out (Extraction)

Data Source

PatentUS12468841B1System for providing selective access to user information
Publication Date: 2025.11.11 WELLS FARGO BANK NA
  • US12468841B1 patent drawing
  • US12468841B1 patent drawing
  • US12468841B1 patent drawing

AI summary

A trusted data management system (TDMS) receives, from a third party system, a request for user data and a user identifier. The TDMS identifies a data sharing schema from a set of data sharing schemas associated with the user identifier. The data sharing schema defines a subset of data values of the user data. The data sharing schema also defines, for each data value of the subset of data values of the subset of the user data, a format for transmitting the data value. The TDMS retrieves, from a data storage unit, the subset of data values of the user data. The TDMS formats each data value of the subset of data values in accordance with the respective defined format of the data value. The TDMS transmits, to the third party system, the subset of user data in accordance with the data sharing schema.