- Number
- 11509661
- Published
- 2022-11-22
- Filed
- 2020-10-29
- Assignee
- Disney Enterprises, Inc.
- Inventors
- Gambhir; Pankaj, Inzerillo; Joseph, Dubagunta; Rajendra, Adeleye; Adetayo, Swaminathan; Mahesh, Sergew; Fekade, Kusunoki; Kazuhiro, Curtis; Sean
- CPC
- H04L67/306; G06Q30/0283; G06F16/9024; H04L63/20; G06Q20/127; H04L65/60; H04L63/102; G06Q30/0207; G06Q30/0611
- Verdict
- Set aside authorization routing, security/business
- Source
- Google Patents · FreePatentsOnline
Abstract
A system includes a hardware processor that executes a software code to receive an authorization request on behalf of a user for a stacked resource including resources offered separately by multiple resource providers, determine resource provider computers associated with the stacked resource, and send a look-up request including an electronic identity of the user to those computers, where the electronic identity is used as a look-up key for determining user attribute(s) of the user. The software code further receives the user attribute(s) from the resource provider computers, generates an accumulated access profile of the user based on the user attribute(s), applies the profile to a rules engine to determine a stacked access result, and routes the authorization request and the stacked access result to one of the resource provider computers, where that computer completes an authorization process for access to the stacked resource based on the stacked access result.
Background
BACKGROUND (1) Large sized enterprises may have multiple avenues, internal and external, to authorize access to a variety of resources to users over a network. One example is in the case of online purchasing of separate online services that can be purchased both individually or together as a “bundle.” In doing so, users might end up with products and services that are essentially related and that “stack” upon one another. An example of a “stack” may include subscription services in which a bundle subscription overlaps an existing individual subscription that has already been authorized to the user. In that scenario, it's important to have an engine that appropriately accommodates stacked authorization rules (e.g., discounting rules) in a dynamic manner and that may route the user to the point-of-sale system that results in the most efficient authorization process.
Claims
1. A system comprising: a computing platform including a hardware processor and a system memory; a software code stored in the system memory; the hardware processor configured to execute the software code to: receive, over a network, an authorization request for a stacked resource on behalf of a user, the stacked resource including a plurality of resources each offered separately by one of a plurality of resource providers, the authorization request comprising an electronic identity of the user; determine a plurality of resource provider computers associated with the stacked resource; send a look-up request comprising the electronic identity of the user to the plurality of resource provider computers, wherein the electronic identity is used as a common look-up key by each of the resource provider computers for determining one or more user attributes of the user; receive from the plurality of resource provider computers, in response to the look-up request, the one or more user attributes; generate an accumulated access profile of the user based on the one or more user attributes; apply the accumulated access profile to a rules engine to determine a stacked access result; and route the authorization request and the stacked access result to one of the plurality of resource provider computers, wherein the one of the resource provider computers completes an authorization process for authorizing access to the stacked resource based on the stacked access result. ||
11. A method for use by a system including a hardware processor and a system memory storing a software code including a rules engine, for determining a discount to a bundled asset having a predetermined price, the method comprising: receiving over a network, by the software code executed by the hardware processor, an authorization request for a stacked resource on behalf of a user, the stacked resource including a plurality of resources each offered separately by one of a plurality of resource providers, the authorization request comprising an electronic identity of the user; determining, by the software code executed by the hardware processor, a plurality of resource provider computers associated with the stacked resource; sending, by the software code executed by the hardware processor, a look-up request comprising the electronic identity of the user to the plurality of resource provider computers, wherein the electronic identity is used as a common look-up key by each of the resource provider computers for determining one or more user attributes of the user; receiving, by the software code executed by the hardware processor, from the plurality of resource provider computers in response to the look-up request, the one or more user attributes; generating, by the software code executed by the hardware processor, an accumulated access profile of the user based on the one or more user attributes; applying, by the software code executed by the hardware processor, the accumulated access profile to the rules engine to determine a stacked access result; and routing, by the software code executed by the hardware processor, the authorization request and the stacked access result to one of the plurality of resource provider computers, wherein the one of the resource provider computers completes an authorization process for authorizing access to the stacked resource based on the stacked access result. ||
20. A system comprising: a computing platform including a hardware processor and a system memory; a software code stored in the system memory; the hardware processor configured to execute the software code to: receive, over a network, an authorization request for a stacked resource on behalf of a user, the stacked resource including a plurality of resources each offered separately by one of a plurality of resource providers, the authorization request comprising an electronic identity of the user; obtain, using the electronic identity of the user, one or more user attributes of the user utilized by the plurality of resource providers to identity the user; generate an accumulated access profile of the user based on the one or more user attributes; apply the accumulated access profile to a rules engine to determine a stacked access result; and route the authorization request and the stacked access result to a computer of one of the plurality of resource providers, wherein the computer of the one of the resource providers completes an authorization process for authorizing access to the stacked resource based on the stacked access result.