Secure Mobile Banking Session with Dynamic Data Obscuring

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Solution Overview

Problem

In an increasingly connected world, sensitive information on mobile devices is at risk of being inadvertently exposed to strangers, especially in public locations, due to the display of such information on device screens.

Innovation Solution

A system and method that allow users to select a secure browsing mode on their electronic devices, obscuring sensitive information globally across a browsing session until the user chooses to reveal it, typically by interacting with the obscured information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If sensitive information is displayed on the mobile device screen, then the user can access and view their financial data, but the information may be inadvertently exposed to strangers in public locations

Engineering Contradiction:
Improveexposure of sensitive informationVSAvoidaccess to sensitive information
Core Design Contradiction:
Loss of informationVSEase of operation

Solution Approach 1:

The patent applies dynamics by making the display state changeable - the sensitive information transitions between obscured and revealed states based on user interaction. The system dynamically adjusts the visibility of personally identifiable information from a default obscured state to a revealed state when the user deliberately interacts with the information, thereby resolving the contradiction between preventing exposure and enabling access.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The patent changes the visual parameter of the displayed information from opaque/obscured to clear/revealed. By modifying the display parameter (visibility) based on user interaction, the system allows the same information to be both protected from strangers and accessible to the user, eliminating the need to choose between these two states.

Inventive Principle:
Principle #35Parameter changes

2Reliability

If the system always obscures sensitive information, then privacy is maximized, but the user cannot access their information without additional interaction

Engineering Contradiction:
Improveprivacy protectionVSAvoidtime to access information
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary action by pre-obscuring all sensitive information by default before the user needs to access it. This preliminary protective action ensures privacy is maintained until the user deliberately initiates the reveal process, balancing continuous protection with controlled access.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system implements feedback by detecting user interactions with the obscured information and using that feedback to trigger the reveal state. When the user taps or interacts with the obscured personally identifiable information, the system responds by revealing it, creating an efficient feedback loop that minimizes access time while maintaining security.

Inventive Principle:
Principle #23Feedback

3Ease of operation

If the system reveals sensitive information automatically, then ease of access is improved, but the risk of unintended exposure increases

Engineering Contradiction:
Improveaccess to sensitive informationVSAvoidunintended exposure to strangers
Core Design Contradiction:
Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The system applies preliminary anti-action by pre-establishing an obscured state that actively counteracts the potential harmful effect of information exposure. The default obscured state serves as a preventive measure against strangers viewing sensitive information, and only reverses when the user deliberately triggers the reveal function.

Inventive Principle:
Principle #9Preliminary anti-action

Solution Approach 2:

The obscured state acts as an intermediary between the sensitive information and the external environment (strangers). This intermediary layer blocks the harmful exposure pathway while still allowing the user to access the information through deliberate interaction, effectively mediating between security and accessibility requirements.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS20250200220A1Secure mobile banking session
Publication Date: 2025.06.19 CITIBANK N A
  • US20250200220A1 patent drawing
  • US20250200220A1 patent drawing
  • US20250200220A1 patent drawing

AI summary

Presented herein are systems and methods for enabling a secure browsing session. Embodiments may include a computing device that executes software routines to receive a first indication to enter a secure browsing mode of a session; present data associated with a user for display on the display of the electronic device; cause the display to obscure one or more personally identifiable information of the data on the display of the electronic device; receive a second indication to reveal the one or more personally identifiable information; present the one or more personally identifiable information for display on the display of the electronic device.