Modular UI Testing for Secure Low-Friction Data Transactions

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Solution Overview

Problem

Existing network systems face challenges in managing sensitive data while ensuring privacy and security, leading to friction and barriers in user interactions, particularly in financial and credit transactions, due to complex security and privacy systems that are not initially designed with user engagement and system performance goals in mind.

Innovation Solution

A modular user interface design and testing system that generates and evaluates user interfaces using feedback data, identifies preferred interfaces based on performance metrics, and implements them for secure data flows, utilizing tokenization and unique URLs to enhance privacy and security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If complex security and privacy systems are implemented to protect sensitive data, then data security and privacy are improved, but user engagement and transaction efficiency deteriorate due to friction and barriers

Engineering Contradiction:
Improvedata securityVSAvoiduser engagement
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent segments the user interface into modular components that can be independently configured and tested. This allows security protocols to be implemented as discrete, manageable interface elements rather than monolithic barriers, reducing user friction while maintaining protection. The modular UI elements can be selectively applied based on risk assessment, enabling security without overwhelming the user.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent introduces an intermediary layer between the user and the security system through intelligent interface elements that mediate authentication and data protection processes. These intermediaries handle complex security operations transparently, shielding users from the complexity while maintaining robust security protocols.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Measurement precision

If multiple credit scores and algorithms are used to assess creditworthiness, then decision accuracy is improved, but system complexity and processing time increase

Engineering Contradiction:
Improvecredit assessment accuracyVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent implements dynamic interface elements that adaptively adjust the number and type of credit assessments based on real-time risk indicators and user context. The system dynamically selects which algorithms to apply, transitioning between simple and complex assessment modes as needed, thereby maintaining accuracy while reducing unnecessary computational overhead.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes operational parameters of the credit assessment process by adjusting the depth and breadth of algorithmic analysis based on initial risk screening results. High-risk applications trigger comprehensive multi-algorithm assessment, while low-risk applications receive streamlined evaluation, optimizing the balance between accuracy and complexity.

Inventive Principle:
Principle #35Parameter changes

3Reliability

If traditional user interface design is used with security protocols, then security requirements are met, but user experience and interface effectiveness deteriorate

Engineering Contradiction:
Improvesecurity complianceVSAvoidtransaction efficiency
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The patent divides the user interface into segmented, modular elements that can be independently optimized for both security compliance and user experience. Each interface module handles specific security functions while maintaining seamless integration, allowing security protocols to be implemented without creating monolithic barriers that hinder transaction flow.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent incorporates real-time feedback mechanisms within interface elements that monitor user interactions and dynamically adjust security measures. The system provides feedback to users about security status and requirements in an intuitive manner, enabling users to understand and comply with security protocols without unnecessary friction or delays.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS20250355789A1Multi-tier modular user interface design and testing
Publication Date: 2025.11.20 SYNCHRONY BANK
  • US20250355789A1 patent drawing
  • US20250355789A1 patent drawing
  • US20250355789A1 patent drawing

AI summary

An interface testing system may generate user interfaces. A set of the user interfaces may be associated with a unique configuration of interface elements. The interface testing system may generate first feedback data by evaluating the set of user interfaces against first testing metrics. The first feedback data may indicate a first measure of performance of a respective user interface based on the first testing metrics and identify a subset of user interfaces based on the first feedback data. The interface testing system may generate second feedback data by evaluating the subset of user interfaces against second testing metrics. The second feedback data may indicate a second measure of performance of a respective user interface based on the second testing metrics and identify a preferred user interface of the subset of the user interfaces based on the second feedback data. The interface testing may implement the preferred user interface.