Virtual Token Split Routing for Multi-User Data Security

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Solution Overview

Problem

Existing systems for multi-user electronic activities lack efficient and secure methods for splitting data and processes across multiple user profiles, often requiring manual intervention or separate profiles.

Innovation Solution

A method involving a processor that receives a communication request with attributes like a virtual token, entity identifier, and data content, determines split rules for data attribution across actual data source profiles, calculates security scores, and authorizes communications based on these scores.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If manual data splitting or separate user profiles are used for multi-user electronic activities, then user cooperation can be achieved, but system complexity and operational difficulty increase

Engineering Contradiction:
Improvemulti-user cooperation capabilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces a processor as an intermediary component that automatically manages data splitting and security scoring across multiple user profiles. The processor receives communication requests, determines split rules, calculates security scores, and authorizes communications without requiring manual intervention from users, thereby enabling multi-user cooperation while reducing system complexity

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent segments data and processes across multiple user profiles by implementing automatic data splitting mechanisms. The processor divides communication data into portions attributed to different actual data source profiles based on determined split rules, allowing each user profile to operate independently while maintaining coordinated multi-user electronic activities

Inventive Principle:
Principle #1Segmentation

2Adaptability or versatility

If manual data splitting is used for multi-user activities, then user cooperation is possible, but time consumption and efficiency decrease

Engineering Contradiction:
Improvemulti-user cooperation capabilityVSAvoidoperational efficiency
Core Design Contradiction:
Adaptability or versatilityVSProductivity

Solution Approach 1:

The system implements self-service functionality where the processor automatically performs data splitting, security scoring, and communication authorization without requiring manual user intervention. The processor autonomously determines split rules, calculates security scores for each user profile, and authorizes communications based on aggregated scores, significantly improving operational efficiency while maintaining multi-user cooperation

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent implements preliminary action by pre-determining split rules and pre-calculating security scores before communications are executed. The processor determines data attribution rules in advance and performs security assessments proactively, allowing multi-user electronic activities to proceed efficiently without real-time manual intervention

Inventive Principle:
Principle #10Preliminary action

3Reliability

If separate user profiles are used for each user, then data security can be maintained, but operational convenience and ease of use decrease

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

Solution Approach 1:

The patent merges the security management functions of multiple separate user profiles into a unified automated process. The processor consolidates security scoring across all user profiles by aggregating individual security sub-scores into an overall security score, maintaining data security through systematic assessment while providing operational convenience through automated authorization decisions

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The patent changes the parameter of security assessment from individual manual checks to automated numerical scoring. The processor calculates security sub-scores and aggregates them into an overall security score threshold, transforming qualitative security judgments into quantitative automated decisions that maintain security while improving operational convenience

Inventive Principle:
Principle #35Parameter changes

Data Source

PatentUS12287890B2Computer-based systems configured for efficient and secure multi-user electronic activities and methods of use thereof
Publication Date: 2025.04.29 CAPITAL ONE SERVICES LLC
  • US12287890B2 patent drawing
  • US12287890B2 patent drawing
  • US12287890B2 patent drawing

AI summary

Systems and methods of the present disclosure enable split communication routing. A communication request associated with an electronic activity is received, the communication request specifying a virtual token and a data content, where the virtual token is a proxy for multiple actual data source profiles. A split rule defining a proportion of the data content to be attributed to each actual data source profile is determined. A security score is determined based on each actual data source profile and each proportion of the data content. The communication request is authorized based on the security score exceeding a threshold security score and access to the proportion of the data content in each actual data source profile is enabled. Each proportion of the data content is consolidated into a single response, and the electronic activity is executed with the single response.