Application Overlay Data Population with Dynamic Transaction Numbers

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Users face difficulties in inputting information into mobile devices with smaller screen sizes and limited input mechanisms, and conventional autocomplete features pose security risks due to static data storage and unauthorized access.

Innovation Solution

An application overlay system that transmits requests to a remote source for application-specific data, using a client-server approach to generate and manage supplemental content securely, such as virtual account numbers, which are specific to each transaction and updated in real-time.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If conventional autocomplete features are used to automatically populate information, then user input efficiency is improved, but security risks increase due to static data storage and unauthorized access

Engineering Contradiction:
Improveuser input efficiencyVSAvoiddata security
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The patent transforms static autocomplete data into dynamic, transaction-specific data. Instead of storing fixed user information locally, the system generates unique account numbers for each transaction in real-time through a remote server, making the data adaptive and secure against unauthorized access while maintaining automatic population functionality

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The patent introduces a remote server as an intermediary between the user device and the data population process. The server acts as a thick client that generates and manages supplemental content (transaction-specific account numbers), while the mobile application serves as a thin client that requests and receives this content, thereby securing local data storage while maintaining functionality

Inventive Principle:
Principle #24Intermediary (Mediator)

2Measurement precision

If users switch between applications to populate information, then data accuracy is improved, but time consumption increases

Engineering Contradiction:
Improvedata accuracyVSAvoidtime consumption
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent merges the data population functionality into the native application interface through an overlay. The application overlay presents input fields that appear within the context of the native application (e.g., email client, calendar), allowing users to populate information without leaving the application context, thereby maintaining data accuracy while eliminating time loss from switching applications

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The system performs preliminary actions by pre-generating and storing multiple transaction-specific account numbers on the remote server before they are needed. When a user needs to populate a field, the system quickly retrieves and assigns an appropriate pre-generated number, eliminating the need for users to manually search or switch applications to find suitable data

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS12393774B2Methods and systems for populating application-specific information using overlay applications
Publication Date: 2025.08.19 CAPITAL ONE SERVICES LLC
  • US12393774B2 patent drawing
  • US12393774B2 patent drawing
  • US12393774B2 patent drawing

AI summary

Methods and systems are described herein for populating application-specific information using overlay applications. For example, in order to relieve some of the difficulties users face in inputting information into mobile devices which may have smaller screen sizes and may not feature dedicated input mechanisms, the methods and systems described herein automatically populate application-specific information. The methods and systems do this using an application that presents an application overlay feature. That is, the application is accessible while a user is using another application (e.g., on the mobile device) and/or while a user is scrolling through other applications.