Dynamic Financial Interface Adaptation for Sensory Impairments

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Solution Overview

Problem

Individuals with sensory impairments face difficulties accessing financial services due to incompatibility with existing systems, leading to potential fraud and abuse as they rely on others for assistance.

Innovation Solution

A dynamic interface adjustment system that receives sensory input from users, determines impairments, and adjusts the interface in real-time or near real-time to accommodate visual, auditory, or dexterity needs, enhancing accessibility and security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If a standard financial interface is used, then the system maintains simplicity and consistency, but individuals with sensory impairments cannot access the services independently

Engineering Contradiction:
Improveinterface adaptabilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The financial interface dynamically adjusts its characteristics based on detected sensory impairments. The system transitions from a static, one-size-fits-all interface to a dynamic interface that modifies font sizes, colors, audio outputs, and interaction methods in real-time based on the user's needs, resolving the contradiction between adaptability and complexity.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes multiple interface parameters simultaneously (visual parameters like font size and color, auditory parameters like volume and pitch, interaction parameters like response time) based on the detected impairment type. This comprehensive parameter adjustment enables the interface to adapt to various sensory conditions while maintaining a unified underlying system architecture.

Inventive Principle:
Principle #35Parameter changes

2Ease of operation

If font size is reduced for better visibility, then visual information fits better on screen, but visually impaired customers cannot read the text

Engineering Contradiction:
Improvetext readabilityVSAvoidscreen space utilization
Core Design Contradiction:
Ease of operationVSArea of stationary object

Solution Approach 1:

The interface applies different visual characteristics to different elements based on the user's sensory profile. For visually impaired users, specific regions and elements are enhanced with larger fonts, high-contrast colors, or alternative audio descriptions, while maintaining standard formatting for users without impairments. This localized adaptation resolves the contradiction between readability and screen space utilization.

Inventive Principle:
Principle #3Local quality

3Ease of operation

If audio volume is increased for hearing impaired customers, then they can hear the virtual representative, but it may disturb others in the environment

Engineering Contradiction:
ImproveaudibilityVSAvoidenvironmental disturbance
Core Design Contradiction:
Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The system introduces intermediary solutions such as bone conduction technology, vibration feedback, or direct bone transmission devices that bypass the air conduction path. This allows hearing-impaired users to receive audio information through alternative physiological pathways without increasing ambient sound pressure levels, thus resolving the contradiction between audibility and environmental disturbance.

Inventive Principle:
Principle #24Intermediary (Mediator)

4Ease of operation

If customers with sensory impairments rely on others for assistance, then they can access financial services, but they become vulnerable to fraud and abuse

Engineering Contradiction:
ImproveaccessibilityVSAvoidtransaction security
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The system enables visually and hearing-impaired customers to independently access and complete financial transactions through adaptive interface features. The interface automatically adjusts to their sensory needs, providing them with autonomous control over their financial services without requiring assistance from potentially fraudulent third parties, thus resolving the contradiction between accessibility and transaction security.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS10891688B1Systems and methods for dynamic interface changes
Publication Date: 2021.01.12 WELLS FARGO BANK NA
  • US10891688B1 patent drawing
  • US10891688B1 patent drawing
  • US10891688B1 patent drawing

AI summary

A system for causing a dynamic interface adjustment includes a user device. The user device includes an active financial interface associated with a financial institution. The system further includes a computer system communicatively coupled to the user device. The computer system is configured to receive, via the user device, a sensory input associated with a customer of the financial institution, determine a sensory impairment associated with the customer based on the sensory input, and cause a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment.