Virtual Chat Security Settings for Real-Time PII Redaction

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Solution Overview

Problem

Financial institutions face challenges in securing virtual chat communication session, the existing technologies fail to provide a secure and efficient removal of sensitive, proprietary, and/or protected information during a virtual chat communication session, the existing technologies fail to provide a secure and efficient removal of sensitive, proprietary, and/or protected information during a virtual chat communication session.

Innovation Solution

A computing device and method that facilitates a virtual chat communication platform with user-enabled security settings, allowing users to customize and implement redaction of sensitive information, such as personally identifiable information (PII), during the session, using a command entered in a chat box.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If virtual support agents are used to handle customer inquiries, then productivity and service availability are improved, but security risks increase due to exposure of sensitive PII during chat sessions

Engineering Contradiction:
Improveservice availabilityVSAvoidsecurity risks
Core Design Contradiction:
ProductivityVSObject-affected harmful factors

Solution Approach 1:

The system performs preliminary redaction actions by identifying and masking PII in messages before they are displayed to users during virtual chat sessions. This proactive approach prevents sensitive information exposure while maintaining the functionality of automated support agents, thereby resolving the contradiction between productivity and security risks.

Inventive Principle:
Principle #10Preliminary action

2Object-affected harmful factors

If real-time PII redaction is implemented during chat sessions, then security is improved, but system complexity increases due to additional processing requirements

Engineering Contradiction:
ImprovesecurityVSAvoidsystem complexity
Core Design Contradiction:
Object-affected harmful factorsVSDevice complexity

Solution Approach 1:

The system introduces an intermediary processing layer that intercepts messages from virtual support agents, identifies PII patterns, applies redaction rules, and returns sanitized messages to users. This intermediary mechanism handles the complexity of real-time security processing centrally, improving security without significantly increasing the complexity at the user interface level.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Adaptability or versatility

If users can customize security settings during chat sessions, then adaptability is improved, but ease of operation decreases due to additional user configuration requirements

Engineering Contradiction:
Improvecustomization capabilityVSAvoiduser configuration
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The system implements dynamic security settings that automatically adapt to user preferences and communication context. Users can customize redaction preferences, and the system dynamically adjusts message processing accordingly, providing adaptability while maintaining ease of operation through automated configuration based on user profiles and session context.

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS20260111595A1Digital financial management having chat support platform with user-enabled virtual chat communication session security settings
Publication Date: 2026.04.23 TRUIST BANK
  • US20260111595A1 patent drawing
  • US20260111595A1 patent drawing
  • US20260111595A1 patent drawing

AI summary

A computing device, a computer program product, and a computer-implemented method for delivering enhanced financial services and, more particularly, for facilitating enhanced communication between an authenticated client device and a server computing system. The server computer system is to perform operations that include generating a display of a chat interface for display on the authenticated client device to facilitate an active virtual chat communication session, receiving a command for information from the authenticated client device contemporaneously within the active virtual chat communication session, generating a reply chat message and identifying, utilizing a data structure, sensitive information of the user in the generated reply chat message, automatically redacting the identified sensitive information from the generated reply chat message as a redacted generated reply chat message, and causing display of the redacted generated reply chat message on the chat interface.