Mobile Banking Quick-Balance Module Authentication Bypass

Solution Overview

Problem

Current mobile banking systems require strenuous security and authentication features, which can compromise convenience by necessitating repeated authentications for accessing non-critical bank account data.

Innovation Solution

A mobile banking system with a mobile module that includes a login module for initial authentication, a main account module for accessing account information and transactions, and a quick-balance module that provides account balances without requiring subsequent authentication, allowing users to access account balances quickly while maintaining security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If strenuous security and authentication features are implemented to protect sensitive bank account information, then security is improved, but convenience deteriorates due to repeated required authentications

Engineering Contradiction:

ImprovesecurityVSAvoidconvenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent segments the banking application into two distinct modules: a quick-balance module that provides immediate access to account balances without authentication, and a main account module that requires authentication for accessing detailed information. This segmentation allows the system to provide different levels of access based on data sensitivity, thereby maintaining security for critical operations while improving convenience for non-critical information retrieval.

Inventive Principle:

Principle #1Segmentation

2Reliability

If repeated authentication is required for accessing non-critical data, then security is maintained, but productivity deteriorates due to time consumption

Engineering Contradiction:

ImprovesecurityVSAvoidaccess speed

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The patent divides the account access functionality into two segments: a quick-balance module that provides immediate access to account balances without requiring authentication, and a main account module that requires authentication for accessing detailed information. This segmentation allows users to quickly retrieve non-critical balance information without security delays, while maintaining authentication requirements for sensitive operations.

Inventive Principle:

Principle #1Segmentation

3Reliability

If full authentication is required for all account access, then security is improved, but ease of operation deteriorates

Engineering Contradiction:

ImprovesecurityVSAvoidaccess convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent segments the banking application into two distinct modules: a quick-balance module that provides immediate access to account balances without authentication, and a main account module that requires authentication for accessing detailed information. This segmentation allows the system to provide different levels of access based on data sensitivity, thereby maintaining security for critical operations while improving convenience for non-critical information retrieval.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent applies different security qualities to different parts of the system: the quick-balance module has relaxed security (no authentication required) appropriate for non-critical data, while the main account module maintains strict security (authentication required) for sensitive operations. This local differentiation of security quality allows the system to optimize both security and convenience in appropriate contexts.

Inventive Principle:

Principle #3Local quality

Data Source

PatentUS10937088B2Mobile account data access systems and methods

Publication Date: 2021.03.02 GREEN DOT CORP

AI summary

Embodiments of mobile banking systems are described herein. Other examples and related methods are also disclosed herein.