Conversational Data Input for Passwordless Account Access

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Solution Overview

Problem

Current data ingestion methods provide a tedious and error-prone user experience, and conventional software solutions fail to allow users to abandon applications without losing sensitive information or authenticate without usernames and passwords.

Innovation Solution

Implementing dynamic graphical user interfaces that emulate a real-life conversation through chat-like messages, allowing users to interact with prompts and input data efficiently, retrieve sensitive information post-abandonment, and authenticate without passwords.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If static input fields are used for data intake, then the form structure is simple and easy to implement, but the user experience becomes tedious and time-consuming

Engineering Contradiction:
Improveuser experienceVSAvoiddata entry time
Core Design Contradiction:
Ease of operationVSLoss of time

Solution Approach 1:

The patent applies dynamics by transforming static input fields into dynamic conversational interfaces. The system dynamically generates prompts based on user interactions and adapts the form flow in real-time, making data entry more engaging and efficient while reducing the time required to complete the form.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The patent substitutes the mechanical structure of traditional form fields with a conversational AI system. Instead of users manually filling out static fields, the system uses natural language processing to understand user inputs and guide them through the data entry process, improving ease of operation and reducing time loss.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If static input fields are used for data intake, then the implementation is straightforward, but errors increase as users may enter information into wrong fields

Engineering Contradiction:
Improvedata entry accuracyVSAvoidform structure
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent implements feedback mechanisms where the system provides real-time validation and guidance during data entry. The conversational interface gives immediate feedback on user inputs, confirming correct information and guiding users away from potential errors, thereby improving data entry accuracy without requiring overly complex form structures.

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The system replaces rigid mechanical form validation with intelligent conversational guidance. The AI-based interface dynamically adjusts prompts and validations based on user responses, providing context-aware guidance that prevents errors without requiring complex predefined form structures.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Ease of operation

If conventional authentication methods are used, then security is maintained through usernames and passwords, but user convenience is reduced and multiple accounts are needed for different access levels

Engineering Contradiction:
Improveauthentication convenienceVSAvoidaccount management
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The patent applies self-service authentication where the system automatically identifies users and manages access rights without requiring manual username/password authentication. The system serves itself by automatically handling authentication and authorization based on user profiles and permissions, eliminating the need for multiple accounts and simplifying the user experience.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent implements a universal authentication system that serves multiple functions: user identification, authorization, and access control are all handled through a single integrated mechanism. This multi-functional approach eliminates the need for separate authentication processes and multiple accounts, improving convenience while maintaining security.

Inventive Principle:
Principle #6Universality (Multi-functionality)

4Adaptability or versatility

If users can abandon applications, then flexibility is improved, but sensitive information is lost which negatively impacts the user

Engineering Contradiction:
Improveuser flexibilityVSAvoidsensitive information
Core Design Contradiction:
Adaptability or versatilityVSLoss of information

Solution Approach 1:

The patent applies preliminary action by saving user progress and sensitive information automatically during the data entry process. The system continuously stores user inputs and form progress in a secure database, so when users abandon the application, their information is preserved and can be retrieved later, preventing information loss while maintaining user flexibility.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent implements a system that automatically recovers and preserves sensitive information even when users abandon the application. The system discards temporary session data but recovers and retains important user information in secure storage, allowing users to resume where they left off without losing any sensitive data.

Inventive Principle:
Principle #34Discarding and recovering

Data Source

PatentUS20260087243A1Methods and systems for interactive data input
Publication Date: 2026.03.26 CITIBANK N A
  • US20260087243A1 patent drawing
  • US20260087243A1 patent drawing
  • US20260087243A1 patent drawing

AI summary

Described herein are methods and systems to partially freeze an electronic account associated with a user. The server receives, via a graphical user interface a request to execute a network operation to connect to a webserver. When the server executes the network operation, the server transmits a request for access to the electronic account associated with an electronic application of the user. Once the webserver authenticates the request, the server can receive an indication that the request to access the electronic account has been blocked by the webserver. The server can revise the graphical user interface and authorize the user. Once the user is authorized, the server can cause the webserver to remove the blocked access and provide access to the electronic account. Furthermore, the server can cause the webserver to block future access to the electronic application.