Electronic Notification Instrument for Secure Banking Information Distribution
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Solution Overview
Problem
Current push banking systems face challenges in securely and efficiently transmitting sensitive banking information, as they lack mechanisms to trace the usage and location of information, leading to potential unauthorized access and misuse.
Innovation Solution
A method and system that utilize an electronic notification instrument with a tracer, allowing authorized recipients to pull information while monitoring its disposition and ensuring secure access, including a tracing mechanism to record identity information and limit access if not acceptable.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If push banking systems send large volumes of information to clients, then information availability is improved, but security burden and complexity increase
Solution Approach 1:
The patent extracts the actual information content from the notification instrument, separating it into distinct components: a notification portion that can be pushed securely, and a payload portion that contains the actual information. This allows the notification to be distributed with enhanced security while the actual information remains protected and accessible only through authorized pull operations.
Solution Approach 2:
The notification instrument serves as an intermediary between the information distributor and the client. It contains a selectable link that mediates access to the actual information, requiring both push delivery and authorized pull operations. This intermediary mechanism reduces the security burden on distributors while maintaining information availability.
2Ease of operation
If push banking systems provide information without client prompting, then client service quality is improved, but information security control deteriorates
Solution Approach 1:
The system performs preliminary action by pushing the notification instrument in advance, which contains all necessary information except the actual payload. The notification is prepared and sent securely with encryption and digital signatures, while the actual information access is controlled through subsequent authorized pull operations that verify client identity and permissions.
3Reliability
If tracing mechanisms are added to monitor information disposition, then security monitoring is improved, but system complexity increases
Solution Approach 1:
The notification instrument serves multiple functions: it acts as a secure communication vehicle, contains tracing mechanisms for monitoring disposition, provides authorization verification, and delivers information access instructions. This multi-functionality reduces the need for separate dedicated tracing systems while maintaining comprehensive security monitoring capabilities.
Data Source
AI summary
Aspects of the present invention are directed to a method and system for distributing information from an information distributor in a banking environment. The method may include composing an electronic notification instrument by providing a notification component and providing a payload component, the payload component including a selectable link. The method may additionally include pushing the electronic notification instrument to an information client and allowing a pull from the information distributor through the electronic notification instrument such that the payload component including the selectable link is activated by an authorized information recipient, the authorized information recipient determined by the information client. The method may additionally include determining through a tracer whether the electronic notification instrument has an acceptable disposition and rendering the electronic notification instrument inaccessible if the disposition is not acceptable.