US 12,452,309 B2
Third-party declarative transaction verification
Brian Perry Hyder, Pittsboro, NC (US); and Douglas Gage Miller, Raleigh, NC (US)
Assigned to Live Oak Banking Company, Wilmington, NC (US)
Filed by Live Oak Banking Company, Wilmington, NC (US)
Filed on Mar. 7, 2023, as Appl. No. 18/179,852.
Prior Publication US 2024/0305669 A1, Sep. 12, 2024
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/20 (2013.01) [H04L 63/102 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
initializing an authorization platform implemented by a policy engine, the authorization platform comprising an event listener configured to listen for events at a core system and one or more authorization clients storing entitlement data, the entitlement data comprising one or more entitlement rules;
computing, by the event listener, that an event has occurred at the core system;
computing, by the event listener, that the event is an entitlement event; communicating event data descriptive of the event to an administration layer of the authorization platform, the administration layer in communication with the one or more authorization clients;
communicating the event data to the one or more authorization clients;
generating, by the one or more authorization clients, updated entitlement data based on the event data;
updating the entitlement data at the one or more authorization clients based on the updated entitlement data; and
computing an entitlement decision for an electronic access request from a third-party computing system, the electronic access request associated with a third-party identifier and an electronic account action, based on the entitlement data, the third-party identifier, and the electronic account action.