Visual Verification Ruleset Programming for Country-Specific KYC

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Solution Overview

Problem

Programming verification rulesets for know-your-client (KYC) requirements consume significant power and processing resources due to multiple cycles of coding and debugging, which are inefficient and resource-intensive.

Innovation Solution

A visual interface is provided for constructing verification rulesets, allowing administrators to interact with visual selectors to customize rulesets on a per-country basis, reducing the need for extensive coding and debugging.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If traditional coding and debugging cycles are used to program verification rulesets, then the rulesets can be customized for different countries, but significant power and processing resources are consumed

Engineering Contradiction:

Improvecustomization capabilityVSAvoidpower consumption

Core Design Contradiction:

Adaptability or versatilityVSUse of energy by moving object

Solution Approach 1:

The patent uses visual templates that can be copied and reused across different countries. Instead of coding verification rulesets from scratch for each country, administrators can replicate existing templates and modify them visually, dramatically reducing processing resources while maintaining full customization capability for different KYC requirements

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The system pre-configures verification rule templates with common KYC requirements before deployment. These pre-built templates contain standard verification logic that can be directly applied or slightly modified for different countries, eliminating the need for extensive coding and debugging cycles and reducing power consumption during implementation

Inventive Principle:

Principle #10Preliminary action

2Adaptability or versatility

If traditional coding and debugging cycles are used to program verification rulesets, then the rulesets can be customized for different countries, but extensive time is required for multiple coding and debugging cycles

Engineering Contradiction:

Improvecustomization capabilityVSAvoidtime for coding and debugging

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

Visual templates serve as reusable copies that can be instantly replicated across multiple countries. Administrators can copy a template from one country and adapt it to another through visual modifications rather than coding, reducing implementation time from multiple development cycles to a single configuration step

Inventive Principle:

Principle #26Copying

Solution Approach 2:

Verification rule templates are pre-configured with standard KYC verification logic before deployment. This preliminary preparation means that when a new country needs verification rules, the system already has a ready-made template that can be quickly adapted, eliminating the need for time-consuming coding and debugging cycles

Inventive Principle:

Principle #10Preliminary action

3Adaptability or versatility

If verification rulesets are programmed individually for each country, then country-specific KYC requirements can be met, but memory space and processing resources are consumed through recompiling and debugging cycles

Engineering Contradiction:

Improvecountry-specific customizationVSAvoidmemory space

Core Design Contradiction:

Adaptability or versatilityVSQuantity of substance

Solution Approach 1:

The system uses universal visual templates that can serve multiple countries simultaneously. A single template can be configured and applied to different countries by modifying visual parameters, eliminating the need to store separate compiled code for each country and reducing memory space requirements while maintaining country-specific customization capabilities

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

Instead of storing individual compiled verification rulesets for each country in memory, the system stores reusable visual templates that can be copied and instantiated as needed. This approach dramatically reduces memory space consumption while allowing unlimited country-specific customizations through template replication rather than code compilation

Inventive Principle:

Principle #26Copying

Data Source

PatentUS20250232345A1Programming verification rulesets visually

Publication Date: 2025.07.17 PLAID INC

AI summary

In some implementations, a verification system generates visual regions, each associated with a verification rule and including visual elements for defining a type of user information and a type of matching criterion. These elements include at least one pair of visual selectors: a first selector for user information and a second selector for matching criteria. The system dynamically modifies the verification rule based on real-time interaction with these elements and determines user verification by applying received input to the modified rule. Features include drag-and-drop components, customizable matching thresholds, color-coded rule status indicators, and the management of verification rules through addition, deletion, and modification of visual selectors.