Encoded Communication Module for Secure Financial Queries

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Solution Overview

Problem

Conventional communication systems fail to secure sensitive information provided to user devices, allowing non-users to access and view sensitive data, such as financial or health information, in public spaces.

Innovation Solution

The implementation of encoded communications using an artificial intelligence-based natural language processing module within a server system that encodes and decodes communications between a user device and server, ensuring only the user can understand the sensitive information, while appearing unintelligible to others, using methods like text messages, emails, or automated phone prompts.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If conventional communication systems are used to provide sensitive information to user devices, then information accessibility is improved, but information security deteriorates because non-users can view or overhear the sensitive data

Engineering Contradiction:
Improveinformation accessibilityVSAvoidinformation security
Core Design Contradiction:
Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent introduces an encoded communication module as an intermediary between the user device and the communication channel. This module encodes sensitive information before transmission and decodes it at the receiving end, acting as a mediator that protects the information from unauthorized access while maintaining accessibility for authorized users

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent changes the parameter of information representation by encoding it into a format that appears unintelligible to non-users. The encoding process transforms the original sensitive data into an encoded form that can only be decoded by the authorized user device, thus changing the state of the information from readable to protected

Inventive Principle:
Principle #35Parameter changes

2Object-affected harmful factors

If encoded communications are implemented to secure sensitive information, then information security is improved, but device complexity increases due to the addition of encoding and decoding mechanisms

Engineering Contradiction:
Improveinformation securityVSAvoiddevice complexity
Core Design Contradiction:
Object-affected harmful factorsVSDevice complexity

Solution Approach 1:

The encoded communication module is designed to handle multiple types of communications (text messages, emails, automated phone prompts) through a single unified encoding mechanism. This multi-functional approach allows the system to secure various communication channels without requiring separate encoding systems for each type, thereby reducing overall complexity

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

Solution Approach 2:

The user device automatically performs encoding and decoding operations without requiring manual intervention from the user. The system self-manages the security process by automatically encoding outgoing messages and decoding incoming encoded messages, eliminating the need for users to understand or manage the complexity of the encoding mechanism

Inventive Principle:
Principle #25Self-service

3Object-affected harmful factors

If encoded communications are used, then user privacy is improved by preventing others from viewing sensitive information, but communication reliability may worsen due to potential encoding errors or decoding failures

Engineering Contradiction:
Improveuser privacyVSAvoidcommunication reliability
Core Design Contradiction:
Object-affected harmful factorsVSReliability

Solution Approach 1:

The patent incorporates error checking and verification mechanisms before and during the encoding/decoding process to prevent communication failures. By anticipating potential encoding errors and implementing corrective measures in advance, the system maintains communication reliability while preserving user privacy through encoding

Inventive Principle:
Principle #11Beforehand cushioning (Prior cushioning)

Data Source

PatentUS11818105B2Systems and methods for encoded communications
Publication Date: 2023.11.14 CAPITAL ONE SERVICES LLC
  • US11818105B2 patent drawing
  • US11818105B2 patent drawing
  • US11818105B2 patent drawing

AI summary

Systems and methods for encoded communications are disclosed. In some embodiments, a server system may be configured to receive a communication from a user interface at an encoded communication module that includes an artificial intelligence based natural language processing module, determine whether the received communication is an encoded communication, decode the encoded communication to generate a financial query when it is determined that the received communication is an encoded communication, retrieve financial data associated with the user, determine an answer to the financial query based on the retrieved financial data, encode the determined answer to generate an encoded responsive communication, and transmit the generated encoded responsive communication to the user interface for providing to a user of the user interface.