Patent Issued for Systems, methods, apparatuses and computer program products for executing data verification operations between independent computing resources (USPTO 11985139): Assurant Inc.

2024 MAY 31 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Alexandria, Virginia, by NewsRx journalists, a patent by the inventors Balasuriya, Devaka (Katy, TX, US), Werner, Nathan (Mukwonago, WI, US), filed on December 1, 2021, was published online on May 14, 2024.

The assignee for this patent, patent number 11985139, is Assurant Inc. (New York, New York, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “Various computing systems, such as those associated with a host entity, are configured to act as an intermediary party to facilitate the transfer of data between a first entity associated with a selected account data structure relating to a particular asset identifier and a second entity. Applicant has identified a number of deficiencies and problems associated with such systems. Through applied effort, ingenuity, and innovation many deficiencies of such platforms have been solved by developing solutions that are in accordance with the embodiments as discussed herein, many examples of which are described in detail herein.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “In general, embodiments of the present disclosure provided herein for executing data verification operations between independent computing resources. Other implementations for executing data verification operations between independent computing resources will be, or will become, apparent to one with skill in the art upon examination of the following figures and detailed description. It is intended that all such additional implementations be included within this description be within the scope of the disclosure, and be protected by the following claims.

“Various embodiments are directed to apparatuses, methods, computer program products, and systems for executing centralized data verification using supported data structures associated with one or more third-party system. In various embodiments, an apparatus for executing centralized data verification using supported data structures associated with one or more third-party system comprises one or more processors, and at least one non-transitory memory comprising instructions that, with the at least one processor, cause the apparatus to: retrieve from a verification system repository associated with a verification system a supported data structure associated with a data structure identifier from the verification system repository, the supported data structure comprising a third-party system identifier associated with a third-party system; based at least in part on the third-party system identifier associated with the supported data structure, provide a data structure inquiry request data packet to a third-party resource associated with the third-party system to request a verification data structure associated with the data structure identifier from the third-party resource; receive an unsupported verification data structure associated with the data structure identifier from the third-party resource in an unsupported format defined by the third-party resource; convert the unsupported verification data structure received from the third-party resource into a supported format in association with generating a supported verification data structure using one or more validation rules; and store the supported verification data structure associated with the data structure identifier at the verification system repository as an updated supported data structure.

“In various embodiments, the one or more processers may be further configured to, upon retrieving the supported data structure associated with the data structure identifier from the verification system repository, generate the data structure inquiry request data packet, wherein the data structure inquiry request data packet comprises data structure inquiry request routing data and payload data, the data structure inquiry request routing data is generated based at least in part on the supported data structure and identifies (1) a data structure inquiry to be performed by the third-party resource associated with the third-party system and (2) a token identifying a networked system device associated with the verification system requesting the verification data structure, and the payload data comprising the data structure identifier. In various embodiments, the one or more processers may be further configured to retrieve the supported data structure associated with the data structure identifier from the verification system repository upon detecting a trigger event associated with the data structure identifier via a networked system device associated with the verification system.

“In various embodiments, the one or more processers may be further configured to determine that the verification data structure associated with the data structure identifier comprises one or more data structure errors. In certain embodiments, the one or more data structure error may comprise data indicative of a missing data structure; and wherein the one or more processers are further configured to: based at least in part on a determination that the verification data structure associated with the data structure identifier comprises the one or more data structure errors comprising data indicative of indicative of the missing data structure, provide a second data structure inquiry request data packet to an additional third-party system resource associated with an additional third-party system to request a second verification data structure associated with the data structure identifier from the additional third-party resource. In certain embodiments, the one or more data structure error may comprise data indicative of an inconsistent data element; and wherein the one or more processers are further configured to: based at least in part on a determination that the verification data structure associated with the data structure identifier comprises the one or more data structure errors comprising data indicative of an inconsistent data element, append an attention-required flag to the supported data structure associated with the data structure identifier.

“Further, in certain embodiments, the one or more processers may be further configured to, upon appending the attention-required flag to the supported data structure associated with the data structure identifier, automatically generate an electronic communication comprising at least a portion of the supported data structure associated with the data structure identifier to a networked system device associated with the verification system, the electronic communication being configured to present for display the at least a portion of the supported data structure and the attention-required flag appended to the supported data structure associated with the data structure identifier. In various embodiments, wherein the one or more processers may be configured to identify the inconsistent data element based at least in part on a comparison of a verification element defining at least a portion of the verification data structure with a corresponding data element of the supported data structure stored in the verification system repository and associated with the data structure identifier. In various embodiments, the one or more processers may be further configured to: based at least in part on a determination that the verification data structure associated with the data structure identifier comprises the one or more data structure errors, generate one or more error indicators associated with the data structure identifier and the third-party identifier; and store the one or more error indicators associated with the data structure identifier and the third-party identifier at the verification system repository.”

The claims supplied by the inventors are:

“1. An apparatus for executing centralized data verification using supported data structures associated with one or more third-party system, the apparatus comprising one or more processors, and at least one non-transitory memory comprising instructions that, with the at least one processor, cause the apparatus to: retrieve from a verification system repository associated with a verification system a supported data structure associated with a data structure identifier from the verification system repository, the supported data structure comprising a third-party system identifier associated with a third-party system; based at least in part on the third-party system identifier associated with the supported data structure, provide a data structure inquiry request data packet to a third-party resource associated with the third-party system to request a verification data structure associated with the data structure identifier from the third-party resource; receive an unsupported verification data structure associated with the data structure identifier from the third-party resource in an unsupported format defined by the third-party resource; convert the unsupported verification data structure received from the third-party resource into a supported format in association with generating a supported verification data structure using one or more validation rules; and store the supported verification data structure associated with the data structure identifier at the verification system repository as an updated supported data structure.

“2. The apparatus of claim 1, wherein the one or more processers are further configured to, upon retrieving the supported data structure associated with the data structure identifier from the verification system repository, generate the data structure inquiry request data packet, wherein the data structure inquiry request data packet comprises data structure inquiry request routing data and payload data, the data structure inquiry request routing data is generated based at least in part on the supported data structure and identifies (1) a data structure inquiry to be performed by the third-party resource associated with the third-party system and (2) a token identifying a networked system device associated with the verification system requesting the verification data structure, and the payload data comprising the data structure identifier.

“3. The apparatus of claim 1, wherein the one or more processers are further configured to retrieve the supported data structure associated with the data structure identifier from the verification system repository upon detecting a trigger event associated with the data structure identifier via a networked system device associated with the verification system.

“4. The apparatus of claim 1, wherein the one or more processers are further configured to determine that the verification data structure associated with the data structure identifier comprises one or more data structure errors.

“5. The apparatus of claim 4, wherein the one or more data structure error comprises data indicative of a missing data structure; and wherein the one or more processers are further configured to: based at least in part on a determination that the verification data structure associated with the data structure identifier comprises the one or more data structure errors comprising data indicative of indicative of the missing data structure, provide a second data structure inquiry request data packet to an additional third-party system resource associated with an additional third-party system to request a second verification data structure associated with the data structure identifier from the additional third-party resource.

“6. The apparatus of claim 4, wherein the one or more data structure error comprises data indicative of an inconsistent data element; and wherein the one or more processers are further configured to: based at least in part on a determination that the verification data structure associated with the data structure identifier comprises the one or more data structure errors comprising data indicative of an inconsistent data element, append an attention-required flag to the supported data structure associated with the data structure identifier.

“7. The apparatus of claim 6, wherein the one or more processers are further configured to, upon appending the attention-required flag to the supported data structure associated with the data structure identifier, automatically generate an electronic communication comprising at least a portion of the supported data structure associated with the data structure identifier to a networked system device associated with the verification system, the electronic communication being configured to present for display the at least a portion of the supported data structure and the attention-required flag appended to the supported data structure associated with the data structure identifier.

“8. The apparatus of claim 6, wherein the one or more processers are configured to identify the inconsistent data element based at least in part on a comparison of a verification element defining at least a portion of the verification data structure with a corresponding data element of the supported data structure stored in the verification system repository and associated with the data structure identifier.

“9. The apparatus of claim 4, wherein the one or more processers are further configured to: based at least in part on a determination that the verification data structure associated with the data structure identifier comprises the one or more data structure errors, generate one or more error indicators associated with the data structure identifier and the third-party identifier; and store the one or more error indicators associated with the data structure identifier and the third-party identifier at the verification system repository.

“10. The apparatus of claim 1, wherein the one or more processers are further configured to: provide a plurality of data structure inquiry request data packets to a plurality of third-party resources, each associated with a respective third-party system identifier; and convert a plurality of unsupported verification data structures received from each of the plurality of third-party resources into the supported format as supported verification data structures.

“11. The apparatus of claim 1, wherein the one or more validation rules are configured to facilitate a comparison of the verification data structure with at least a portion of the supported data structure stored in the verification system repository and associated with the data structure identifier; and wherein the one or more processers are further configured to: based at least in part on a determination that the verification data structure associated with the data structure identifier matches at least a corresponding portion of the supported data structure associated with the data structure identifier, generate a verified data structure indicator associated with the data structure identifier; store the verified data structure indicator associated with the data structure identifier at the verification system repository, such that the updated supported data structure comprises the verified data structure indicator.

“12. The apparatus of claim 11, wherein the one or more processers are further configured to: associate the updated supported data structure associated with the verified data structure indicator and the data structure identifier with a second data structure identifier associated with a second third-party system, the second third-party system being associated with a second third-party organization.

“13. The apparatus of claim 12, wherein the one or more processers are further configured to: upon associating the second data structure identifier associated with the second third-party system with the data structure identifier, generate an electronic communication comprising the second data structure identifier and at least a portion of the updated supported data structure a secondary device associated with the second third-party system, the electronic communication being configured to present for display the second data structure identifier and the verified data structure indicator.

“14. The apparatus of claim 1, wherein the supported data structure comprises a plurality of data structure elements, wherein the one or more processers are further configured to: generate a plurality of data element identifiers, each associated with a corresponding one of the plurality of data elements defining the supported data structure; and associate the data structure identifier with each of the plurality of data element identifiers, such that the supported data structure comprises each of the data element identifiers.

“15. The apparatus of claim 14, wherein the one or more processers are further configured to: store the supported data structure comprising each of the plurality of data element identifiers within a verification table at the verification system repository; and index the supported data structure within the verification table based at least in part on the one or more of the plurality of data elements.

“16. The apparatus of claim 15, wherein the one or more processers are further configured to generate a report comprising a plurality of supported data structures, wherein each of the plurality of supported data structures included in the report is defined at least in part by a common indexed data element.”

There are additional claims. Please visit full patent to read further.

For more information, see this patent: Balasuriya, Devaka. Systems, methods, apparatuses and computer program products for executing data verification operations between independent computing resources. U.S. Patent Number 11985139, filed December 1, 2021, and published online on May 14, 2024. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11985139)&db=USPAT&type=ids

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