Adaptive Online Banking Interface Bypassing Intermediate Pages
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Solution Overview
Problem
Traditional online banking websites have a static and pre-defined interaction structure that does not adapt to user behavior, requiring users to navigate through multiple pages to perform actions, which can be inefficient and inconvenient.
Innovation Solution
Implementing a dynamic and adaptive system that predicts user interactions by analyzing logged data and user profile information to bypass intermediate pages and directly present the necessary page or screen, using rule-based determinations and machine learning to modify the user's online banking experience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If a static and pre-defined interaction structure is used, then the website structure is simple and easy to maintain, but the user interaction efficiency deteriorates as users must navigate through multiple pages
Solution Approach 1:
The patent implements a dynamic interaction structure that adapts to user behavior patterns. The system analyzes logged user actions and modifies the interaction path in real-time, transforming the static website into a dynamic one that reconfigures navigation based on predicted user needs, thereby improving interaction efficiency without requiring complex manual restructuring
Solution Approach 2:
The system performs preliminary analysis of user behavior patterns by logging and analyzing past user actions. This preliminary action enables the system to predict future user needs and pre-configures the interaction path, allowing users to skip unnecessary pages and directly access relevant content, thus improving productivity
2Loss of time
If multiple intermediate pages are required for user actions, then the website maintains a complete navigation structure, but the time required to complete actions increases
Solution Approach 1:
The patent implements a page-skipping mechanism that allows users to bypass intermediate pages that are not relevant to their predicted needs. By analyzing user behavior patterns, the system identifies and eliminates unnecessary navigation steps, enabling users to rush through to the relevant action pages directly, thereby reducing time loss while maintaining ease of operation
Solution Approach 2:
The system extracts and removes unnecessary intermediate pages from the user's navigation path. By analyzing the complete navigation structure and user behavior, it identifies pages that can be taken out or bypassed, reducing the number of clicks required while preserving the complete website structure for other users or scenarios
3Adaptability or versatility
If the website presents the same pages to all users, then the website structure remains simple, but the adaptability to individual user behavior deteriorates
Solution Approach 1:
The patent implements local quality by customizing the interaction experience for individual users based on their specific behavior patterns. Instead of changing the entire website structure, the system applies localized modifications to the navigation path for each user, presenting pages tailored to their predicted needs while maintaining the standard structure for other users, thus achieving adaptability without excessive complexity
Solution Approach 2:
The system performs preliminary analysis of user behavior patterns through logging and analysis of past actions. This preliminary action enables the system to adapt to individual user preferences and behaviors, creating personalized interaction paths that improve adaptability while using automated analysis rather than complex manual configuration
Data Source
AI summary
Data of prior online banking sessions is logged or stored and analyzed to identify online banking action patterns and pages or screens of an online banking website used to execute the actions. User profile data associated with executed actions is also identified. User profile data may involve the computing device used to access the site, location and/or temporal data such as date, time and frequency. When profile data of a current online banking session is received, rules dictating how the user interface of the online banking website can be selectively modified are accessed and applied to identify a page or screen to be presented to the user thus bypassing at least one intermediate page or screen that would have otherwise been presented to the user navigating the online banking website according to its pre-defined structure.