User Data Permissioning With Rules-Engine Selective Sharing

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Solution Overview

Problem

Users have limited control over how their data is shared and used by experience providers, leading to potential misuse and lack of benefits, with data often being distributed inefficiently across various platforms.

Innovation Solution

A platform system that integrates user data repositories, rules engines, and APIs to manage data sharing preferences, enabling users to control data access and monetization, and providing a centralized mechanism for experience providers to comply with user preferences and regulatory requirements.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If users grant broad data access to experience providers, then data sharing and monetization opportunities increase, but data security and user control deteriorate

Engineering Contradiction:
Improvedata sharing efficiencyVSAvoiddata security
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The patent segments user data into distinct categories (e.g., demographic data, behavioral data, transactional data) and allows users to grant access to experience providers on a selective basis. The rules engine processes these segmented data requests individually, enabling fine-grained control over which data types are shared and with which providers, thereby maintaining security while enabling productive data sharing.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent introduces a centralized data management platform as an intermediary between users and experience providers. This platform includes a rules engine that mediates data access requests by evaluating user-defined policies, authenticating requests, and selectively dispensing data. The intermediary handles authentication, authorization, and data routing, allowing users to maintain control and security while experience providers efficiently access needed data.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Adaptability or versatility

If data is distributed across multiple platforms, then data availability and sharing opportunities increase, but system complexity and management difficulty worsen

Engineering Contradiction:
Improvedata sharing flexibilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent implements a universal data management platform that serves multiple functions: data collection from various experience providers, data storage in a centralized repository, policy evaluation through the rules engine, and selective data dispensing to authorized providers. This multi-functional system handles diverse data types and provider requirements through a single unified architecture, reducing overall system complexity while maintaining high adaptability.

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

Solution Approach 2:

The patent employs configurable parameters in the rules engine that allow dynamic adjustment of data access policies without modifying the core system architecture. Users can change parameters such as data categories, access timeframes, and provider lists through policy configurations. This parameter-based approach enables flexible adaptation to different sharing scenarios while keeping the underlying system structure simple and stable.

Inventive Principle:
Principle #35Parameter changes

3Reliability

If users manually manage data sharing permissions, then data control and security improve, but ease of operation and user experience worsen

Engineering Contradiction:
Improvedata controlVSAvoiduser convenience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent enables users to self-manage their data sharing preferences through an intuitive interface where they can define policies for different data categories and select authorized experience providers. The system automatically applies these user-defined rules to all data requests, eliminating the need for manual intervention in each transaction. Users maintain full control over their data while the system handles the operational complexity automatically.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent implements feedback mechanisms that notify users when data requests are processed, showing which providers accessed which data types and when. This feedback loop allows users to verify that their control policies are being enforced correctly and provides transparency into data sharing activities. The feedback feature enhances user confidence in the system while maintaining ease of operation by automating the monitoring and enforcement processes.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS20250291956A1Systems and methods for personal information and preference storage, permissioning, and sharing
Publication Date: 2025.09.18 WELLS FARGO BANK NA
  • US20250291956A1 patent drawing
  • US20250291956A1 patent drawing
  • US20250291956A1 patent drawing

AI summary

A method for distributing user data and permission settings is provided. The method includes receiving user inputs that identify at least one experience provider for data sharing and at least one data sharing preference of the user, configuring a rules engine of the platform computing system with rules based on the user inputs where the rules engine is configured to apply rules to implement data sharing preferences of the user, receiving a request for data of the user, transmitting the request for data of the user, receiving the applicable data of the user, providing the applicable data of the user, determining an amount of funds due to the user, and crediting an account associated with the user in the amount of the funds due to the user.