Gesture Flagging for Private Banking Transaction Duress Detection
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Solution Overview
Problem
Financial transactions can be exploited by bad actors to access the assets of legitimate banking customers, and existing systems lack the ability to detect and flag transactions made under duress effectively.
Innovation Solution
A system and process for detecting transactions made under duress using a sensing device to recognize specific gestures or inputs, which can alter the transaction and transmit a separate request to flag the transaction, alerting investigatory or protective bodies.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional transaction processing systems are used, then transaction speed and convenience are maintained, but the system cannot detect or flag transactions made under duress
Solution Approach 1:
The system separates transaction processing into two independent channels: the primary transaction processing path and the gesture detection/flagging path. The sensing device and gesture recognition system operate as a separate module that can detect duress gestures without interfering with normal transaction flow, allowing transactions to proceed while simultaneously monitoring for suspicious gestures.
Solution Approach 2:
The system introduces a gesture recognition system as an intermediary layer between the user and the transaction processing system. This intermediary detects gestures through sensing devices and translates them into flagging signals that can be processed by the transaction system, enabling security monitoring without requiring direct user input or system modification.
2Reliability
If gesture detection is added to detect duress, then transaction security is improved, but the ease of operation deteriorates due to additional sensing requirements
Solution Approach 1:
The system uses the user's own gestures as the detection mechanism, requiring no additional hardware interaction or system input from the user. The sensing devices automatically capture gesture data, and the system autonomously processes this data to determine whether a duress gesture occurred, eliminating the need for users to learn new operational procedures.
Solution Approach 2:
The sensing devices and gesture recognition system serve multiple functions: they can detect various types of gestures, differentiate between intentional and unintentional movements, and work across different transaction scenarios. This multi-functionality allows a single system to handle diverse security requirements without adding operational complexity for users.
3Loss of information
If the system flags transactions under duress, then accurate record-keeping is improved, but transaction processing time increases due to additional verification steps
Solution Approach 1:
The system performs gesture detection and analysis in parallel with transaction processing, rather than sequentially. While the transaction is being processed, the sensing devices continuously monitor for duress gestures, and the gesture recognition system simultaneously evaluates captured gestures. This allows the system to have flagging decisions ready before the transaction completes, eliminating additional verification time.
Solution Approach 2:
The system provides immediate feedback by flagging transactions as they are being processed based on detected gestures. The flagging system receives real-time gesture data and generates flags without requiring post-transaction review, ensuring accurate record-keeping while maintaining transaction processing speed through continuous monitoring and instant decision-making.
Data Source
AI summary
A method includes receiving a notification of the gesture from a sensing device, receiving an input from a user to select a banking transaction, and determining an intent of the gesture from the sensing device. Additionally, the method includes altering the banking transaction based on the input of the user and the intent of the gesture from the sensing device. The method further includes transmitting a request separate from the banking transaction based on the intent of the gesture.