Headless Browser API Fingerprinting for Mobile Banking

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Solution Overview

Problem

Existing technologies face challenges in providing secure and efficient access to secured data on mobile devices, particularly for small and mid-size banks, due to security concerns and the complexity of integrating with legacy banking systems.

Innovation Solution

The system enables read and write access to secured data by utilizing a native mobile application and a headless browser, which allows for secure communication with internet banking systems without requiring dedicated back-end integrations.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of manufacture

If account aggregation is used to access bank data via intermediary servers, then mobile banking functionality can be provided without custom development, but security is compromised and write access is blocked

Engineering Contradiction:

Improveease of providing mobile banking functionalityVSAvoidsecurity of user credentials and access control

Core Design Contradiction:

Ease of manufactureVSReliability

Solution Approach 1:

The patent introduces a headless browser as an intermediary component that runs within the mobile application but maintains direct communication with bank systems. This mediator enables the app to access bank data and perform transactions without storing credentials on external servers, thus maintaining security while achieving functionality.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent creates a virtual copy of a desktop browser environment through a headless browser that operates within the mobile app. This copy allows the application to interact with bank websites and systems as if it were a desktop browser, enabling full read-write access without requiring custom backend integrations for each bank.

Inventive Principle:

Principle #26Copying

2Reliability

If custom mobile banking applications are developed for each bank, then secure direct access to bank systems is achieved, but development cost and complexity increase significantly

Engineering Contradiction:

Improvesecurity of data accessVSAvoidcomplexity of back-end integration

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent implements a universal headless browser component that can interact with multiple different bank systems through a single interface. This multi-functional component eliminates the need for separate custom integrations for each bank, reducing development complexity while maintaining secure direct access to various banking systems.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The headless browser automatically handles authentication, session management, and interaction with bank systems without requiring manual backend integration work for each bank. The system serves itself by adapting to different bank interfaces through automated processes, reducing the burden of custom development.

Inventive Principle:

Principle #25Self-service

3Adaptability or versatility

If web browsers are used to access online banking websites on mobile devices, then no native application is required, but user experience deteriorates due to desktop-formatted websites

Engineering Contradiction:

Improveability to access banking without native appVSAvoiduser experience quality

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent embeds a headless browser within the native mobile application, creating a nested structure where the browser operates inside the app environment. This allows the application to leverage web browsing capabilities while maintaining the native app's optimized user interface and mobile-friendly formatting, thus improving user experience while retaining accessibility.

Inventive Principle:

Principle #7Nested doll (Nesting)

Data Source

PatentUS12314788B2Application programming interface fingerprint data generation at a mobile device executing a native mobile application

Publication Date: 2025.05.27 APPBRILLIANCE INC

AI summary

Systems, methods, and computer-readable storage devices that enable secured data access from a mobile device executing a native mobile application and a headless browser. One aspect of the technology includes interactions between one or more APIs, a secure connection, a headless browser, that utilize one or more of website data, fingerprint data file locations and additional web page data.