Unified Interface for Multi-Service Account Integration
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing systems for managing multiple online services, such as financial accounts and health insurance, require users to log in individually or rely on limited aggregation services that do not interface with various types of accounts, making it difficult to manage and view all services in a single platform.
Innovation Solution
A multi-platform integration user interface that allows users to access and manage multiple financial and non-financial accounts within a single application, providing read and write access, and integrating with external services for a comprehensive view of finances, enabling actions like creating accounts and applying for loans without switching between different websites.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users access multiple online services individually, then each service can be managed separately, but users must log in to each service separately and switch between multiple websites
Solution Approach 1:
The patent combines multiple separate online service interfaces into a single unified user interface. The system presents a consolidated view of financial accounts, health insurance, and other services that were previously accessed through separate websites, allowing users to manage all services from one location without switching between applications.
Solution Approach 2:
The unified interface serves multiple functions simultaneously - it provides read access to account information, write access for managing services, and integrates with external services. The system acts as a universal platform that handles diverse service types (financial accounts, insurance, loans) through a single interface rather than requiring separate access methods for each service type.
2Adaptability or versatility
If aggregation services are used to view multiple accounts, then users can see information from multiple services, but these services do not interface with various types of accounts and provide limited functionality
Solution Approach 1:
The system provides both read and write access to multiple service types including financial accounts, health insurance, and other services. Unlike limited aggregation services, this unified interface enables comprehensive management operations such as creating accounts, applying for loans, and modifying service settings across all integrated services through a single platform.
Solution Approach 2:
The unified interface acts as an intermediary layer between the user and multiple external services. It provides read and write access to various account types by mediating between the user's management actions and the external service APIs, enabling comprehensive service management without requiring users to directly interact with each external service separately.
3Adaptability or versatility
If users manage services across multiple platforms, then comprehensive service coverage is achieved, but the system complexity and number of interfaces increase
Solution Approach 1:
The patent merges multiple separate service interfaces into a single unified user interface that provides comprehensive service coverage. Instead of maintaining separate interfaces for financial accounts, health insurance, and other services, the system consolidates all these services into one interface, reducing the number of interfaces users must navigate while maintaining full service coverage.
Data Source
AI summary
A method may include maintaining a user account of a user associated with a first service; presenting a user interface on a client device identifying a set of selectable services external to the server device; receiving a selection of a second service external to the server device; requesting login credentials of the a user account at the second service; transmitting an account access authorization request using the login credentials, requesting the user account of the user associated with the first service be given read and write permission to the user account at the second service; and in response to the request, receiving an authentication token from the second service granting read and write access to the user account associated with the second service via an interface presented by the first service.