Account Control System Using Wearable State Data

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Existing account control systems fail to effectively prevent unauthorized transactions by not considering the real-time physical and biological states of users, leading to potential fraudulent activities.

Innovation Solution

A system that utilizes data from portable communication devices and wearable devices to determine the conditional states of users, such as sleeping, exercising, or driving, to dynamically adjust account controls, scrutinize transactions, and implement fraud protection rules.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional account control systems are used without considering user physical states, then device complexity is reduced and ease of operation is maintained, but transaction security and fraud protection effectiveness deteriorate

Engineering Contradiction:

Improvetransaction securityVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent combines multiple data sources (wearable device data, communication device data, transaction data) into a unified account control system that dynamically adjusts transaction limits based on aggregated user state information, thereby improving security without requiring separate independent systems for each data type

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The account control system is designed to handle multiple functions: monitoring user physical states, evaluating transaction requests, dynamically adjusting transaction limits, and preventing fraudulent activities. This multi-functional approach consolidates what could be separate systems into one universal platform

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If dynamic account controls based on user states are implemented, then fraud protection effectiveness is improved, but ease of operation deteriorates due to additional monitoring requirements

Engineering Contradiction:

Improvefraud protection effectivenessVSAvoiduser operation convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system automatically monitors user physical states and dynamically adjusts transaction limits without requiring manual user input or configuration. The wearable and communication devices continuously provide data, and the system autonomously evaluates and modifies account controls based on this data

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system pre-establishes account control rules that link specific user states (e.g., sleeping, exercising) to corresponding transaction limit adjustments. When a user enters a particular state, the appropriate control is automatically applied without requiring real-time decision-making or user intervention

Inventive Principle:

Principle #10Preliminary action

3Reliability

If real-time user state monitoring is implemented, then unauthorized transaction detection is improved, but loss of energy increases due to continuous data collection

Engineering Contradiction:

Improveunauthorized transaction detectionVSAvoidenergy consumption

Core Design Contradiction:

ReliabilityVSLoss of energy

Solution Approach 1:

The system monitors user states at periodic intervals rather than continuously, collecting data at scheduled times to determine current conditions. This periodic approach maintains effective fraud detection capability while significantly reducing energy consumption compared to continuous monitoring

Inventive Principle:

Principle #19Periodic action

Solution Approach 2:

The system monitors only the specific user states and parameters most relevant to fraud detection (e.g., sleeping state, exercise intensity) rather than all possible physiological parameters. This selective monitoring achieves sufficient unauthorized transaction detection with minimal energy expenditure

Inventive Principle:

Principle #16Partial or excessive action

Data Source

PatentUS11257092B2Systems and methods for use in implementing account controls

Publication Date: 2022.02.22 MASTERCARD INT INC

AI summary

Systems and methods are provided for use in implanting and/or modifying account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule is associated with a sleeping state of the user, and activating, by the computing device, the at least one account control rule when the current conditional state of the user is the same as the sleeping state associated with the at least one account control rule.