Automated Message Encryption System for Financial Communications

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Solution Overview

Problem

Financial institutions face inefficiencies in securing communications due to manual processes for encrypting sensitive messages, which can slow down communication with account holders.

Innovation Solution

A message processing system that automatically determines if a message requires encryption based on keywords, flags, and other indicators, and applies encryption rules to ensure secure transmission, with override attributes allowing for exceptions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual encryption processes are used to secure communications, then confidentiality is maintained, but communication speed and efficiency are reduced

Engineering Contradiction:
ImproveconfidentialityVSAvoidcommunication speed
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The system performs preliminary analysis of message content against encryption criteria before transmission is initiated. By pre-identifying messages requiring encryption and preparing encryption parameters in advance, the system eliminates post-composition encryption delays while maintaining security requirements.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The encryption system operates autonomously by automatically detecting sensitive content, determining encryption requirements, selecting appropriate encryption methods, and executing encryption without human intervention. This self-service capability removes manual encryption steps while preserving confidentiality.

Inventive Principle:
Principle #25Self-service

2Productivity

If automated encryption is implemented to improve communication speed, then productivity increases, but system complexity increases

Engineering Contradiction:
Improvecommunication speedVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The automated encryption system is divided into distinct functional modules: message analysis module, encryption requirement determination module, encryption execution module, and notification module. Each module handles a specific aspect of the encryption process, making the overall system more manageable and maintainable despite its automated capabilities.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system employs a universal encryption framework that can handle multiple encryption scenarios (internal/external recipients, different sensitivity levels, various message types) through a single integrated platform. This multi-functionality reduces the need for separate systems for different encryption needs.

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

3Reliability

If all messages are encrypted by default to ensure security, then confidentiality is improved, but communication efficiency deteriorates

Engineering Contradiction:
ImproveconfidentialityVSAvoidcommunication time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

Instead of uniformly encrypting all messages, the system applies encryption selectively based on local characteristics of each message. By analyzing message content, recipients, and sensitivity indicators, the system determines which specific messages require encryption, applying it only where necessary rather than universally.

Inventive Principle:
Principle #3Local quality

Solution Approach 2:

The system dynamically adjusts encryption parameters based on message attributes such as recipient location (internal/external), message content sensitivity, and communication type. This parameter-based approach allows the system to optimize encryption application, applying it only when parameters indicate a need for enhanced security.

Inventive Principle:
Principle #35Parameter changes

Data Source

PatentUS8782402B2System and method for secure communications
Publication Date: 2014.07.15 BANK OF AMERICA CORP
  • US8782402B2 patent drawing
  • US8782402B2 patent drawing
  • US8782402B2 patent drawing

AI summary

Encryption of electronic messages may be automatically processed by a messaging system based on keywords or other attributes of the messages. In one example, if the message includes a predefined keyword, the messaging system may automatically encrypt the message for all recipients outside of a private network. In another example, the messaging system may automatically encrypt messages based on recipient address. Thus, if a recipient is on a list of addresses to which encryption applies, the message being sent to that particular recipient may be encrypted while a copy of the message being sent to other recipients not on the list might remain unencrypted.