Uniform Data State Configuration for Multi-Resource Platforms

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Solution Overview

Problem

Existing computer-based systems face challenges in efficiently accessing multi-resource or multi-lender platforms due to duplicate code generation, separate configuration requirements, and potential fraudulent attacks, especially when the identity of resources or lenders is known prior to access.

Innovation Solution

Utilizing an agnostic transaction module to configure data files into a uniform data state, modifying it to a specific configuration type, and dynamically updating it with a plugin management engine, while employing machine learning and artificial intelligence to predict user behavior and select appropriate plugins.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If separate configuration requirements are used for each resource or lender, then specific customization is achieved, but device complexity and configuration time increase

Engineering Contradiction:
Improvecustomization capabilityVSAvoidconfiguration complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent implements a universal configuration system where a single uniform data state can be automatically modified to serve multiple different resource types and lenders. The agnostic transaction module handles various data formats and protocols through a unified interface, eliminating the need for separate configuration processes for each resource while maintaining full customization capability.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system dynamically changes parameters of the uniform data state to adapt to different resource types and lenders. By modifying data state parameters rather than creating separate configurations, the system achieves adaptability without increasing structural complexity, allowing the same configuration framework to serve multiple purposes through parameter adjustment.

Inventive Principle:
Principle #35Parameter changes

2Manufacturing precision

If duplicate code generation is avoided, then manufacturing precision is improved, but adaptability to different resources decreases

Engineering Contradiction:
Improvecode consistencyVSAvoidresource compatibility
Core Design Contradiction:
Manufacturing precisionVSAdaptability or versatility

Solution Approach 1:

The patent applies local quality by maintaining a uniform core data state structure while allowing localized modifications through parameter changes. The agnostic transaction module handles resource-specific variations at the local level without affecting the overall code consistency, enabling the system to work with different resources while maintaining precise, non-duplicate code generation.

Inventive Principle:
Principle #3Local quality

3Reliability

If security measures against fraudulent attacks are strengthened, then reliability is improved, but device complexity and processing time increase

Engineering Contradiction:
Improvesecurity against fraudVSAvoidsecurity system complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces an intermediary validation layer within the agnostic transaction module that mediates between different resources and the core system. This intermediary performs security verification and validates data states before processing, providing robust fraud protection without requiring complex security systems throughout the entire architecture. The intermediary handles security concerns centrally while maintaining simple resource interfaces.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS20250298637A1Computer-based systems configured to dynamically update a uniform data state based on a utilization of a plugin engine
Publication Date: 2025.09.25 CAPITAL ONE SERVICES LLC
  • US20250298637A1 patent drawing
  • US20250298637A1 patent drawing
  • US20250298637A1 patent drawing

AI summary

In some embodiments, the present disclosure provides an exemplary system and method that may include steps of identifying a plurality of data files associated with an external data source; utilizing an agnostic transaction module to configure each data file within the plurality of data files into a uniform data state; automatically modifying the uniform data state to a particular configuration type associated with a particular data destination source based on a configuration service; and dynamically updating a modified data state based on a utilization of a plugin management engine.