Dynamic AI Identity Checking During Form Completion

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Solution Overview

Problem

Existing online application processes delay security checks until the form is completed, missing opportunities to address security concerns and requiring manual intervention when issues arise.

Innovation Solution

Implement an AI-driven system that performs security checks on partially completed forms, dynamically adding prompts to collect additional data as needed, allowing continuous user input without halting the application process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If security checks are performed only after form completion, then the application process can proceed without interruption, but security concerns are detected too late and manual intervention is required

Engineering Contradiction:
Improvesecurity validationVSAvoiddetection delay
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system performs security validation steps in advance during form completion rather than waiting until submission. The AI model proactively identifies potential security issues and requests additional data prompts while the user is still completing the form, enabling early detection and immediate resolution of security concerns.

Inventive Principle:
Principle #10Preliminary action

2Reliability

If manual intervention is used to address security concerns, then security issues can be thoroughly investigated, but the application process is halted and requires human resources

Engineering Contradiction:
Improvesecurity validationVSAvoidprocessing efficiency
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The system automatically handles security validation without requiring manual intervention. When security concerns are detected, the AI model autonomously generates additional data prompts and validates the provided information, allowing the system to self-correct security issues and continue processing applications efficiently.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent replaces manual security review processes with an AI-based automated system. The AI model performs data validation, identifies security risks, and manages the collection of additional information, substituting human operators with an intelligent automated system that maintains high reliability while improving processing speed and efficiency.

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

3Loss of information

If the application form is augmented with additional data prompts in real-time, then data completeness is improved, but the user interface complexity increases

Engineering Contradiction:
Improvedata completenessVSAvoidinterface complexity
Core Design Contradiction:
Loss of informationVSDevice complexity

Solution Approach 1:

The user interface is designed to be dynamic, automatically adapting to user responses. When additional data is required for security validation, the system dynamically adds relevant data prompts to the form. As users provide information, the interface dynamically updates and removes prompts that are no longer needed, maintaining simplicity while ensuring data completeness.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system implements real-time feedback mechanisms where the AI model continuously monitors user inputs and automatically adjusts the form by adding or removing data prompts based on validation needs. This feedback loop ensures that only necessary information is requested at any given time, preventing interface overload while maintaining complete data collection.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS20260023578A1Parallel artificial intelligence driven identity checking with dynamic prompting
Publication Date: 2026.01.22 THE TORONTO DOMINION BANK
  • US20260023578A1 patent drawing
  • US20260023578A1 patent drawing
  • US20260023578A1 patent drawing

AI summary

An example operation may include one or more of receiving input data via at least one data prompt via an input field on a computing device, receiving device data from the computing device, executing a trained artificial intelligence (AI) model to determine at least one data validation step based on the input data and the device data, identifying that at least one additional data prompt is needed to collect additional input data to execute the at least one data validation step, creating the at least one additional data prompt, augmenting the input field on the computing device with the at least one additional data prompt, receiving the additional input data via the input field based on the at least one additional data prompt on the computing device, and executing the at least one data validation step based on the received additional input data.