Paired Account Balance Preview Without Repeated User Authentication
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Solution Overview
Problem
Financial institutions require user authentication for accessing account balances, which can be cumbersome and inconvenient, especially when using mobile applications.
Innovation Solution
A system that allows users to preview account balances on a paired second client device, such as a smartwatch, without the need for user authentication by detecting the execution of a financial institution mobile application and pairing with a first client device, using user profile analysis to enable this feature.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If user authentication is required to access account balances, then security is improved, but ease of operation deteriorates
Solution Approach 1:
The patent introduces a paired second client device as an intermediary that can display account balances without requiring authentication. The second device acts as a mediator between the user's authentication status and the balance display function, allowing unauthorized access to balance information while maintaining the authentication requirement for the primary device.
Solution Approach 2:
The system segments the balance display function into two modes: authenticated access on the first client device and unauthenticated preview access on the paired second client device. This segmentation allows different authentication requirements for different access scenarios, improving ease of operation for quick checks while maintaining security for full access.
2Reliability
If manual login processes are required, then security is improved, but productivity deteriorates
Solution Approach 1:
The system performs preliminary pairing between the first and second client devices in advance. Once paired, the second device can access balance information without requiring login, eliminating repeated authentication steps for frequent balance checks while maintaining security through the preliminary pairing process.
3Reliability
If authentication credentials are required for every access, then security is improved, but ease of operation deteriorates
Solution Approach 1:
The system creates a copy of the authenticated session state on the paired second client device. This copy allows the second device to display balance information without requiring the user to re-enter credentials, while the original authentication state remains secure on the first device.
Data Source
AI summary
An apparatus, computing device, computer program product, and a computer-implemented method for delivering financial services and, more particularly, for facilitating enhanced network communication between a user and a financial institution. The computing device is operable to detect a first client device executing a mobile application associated with a financial institution over a communication network. The computing device is then operable to cause, based on the detection and without user authentication, display of a graphical user interface to visually display on a user interface of a paired, user-authorized client device, an account balance preview of one or more financial accounts held by the user at the financial institution.