Parallel Data Provision for Telephony Calls

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Solution Overview

Problem

Traditional methods of providing sensitive data during telephony calls are inconvenient for callers and vulnerable to fraud, as they require audible responses that can be intercepted by nefarious eavesdroppers.

Innovation Solution

A system that enables a calling device to automatically provide data in parallel to a telephony call without requiring audible responses, by using a telephony system to provide a call context and a data radio to transmit the necessary data securely.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If audible responses are required for data provision during telephony calls, then data can be transmitted through the call, but security is compromised due to eavesdropping risks

Engineering Contradiction:
ImprovesecurityVSAvoidconvenience for callers
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system segments the data transmission into two separate channels: the telephony call channel for context establishment and the data channel for actual data provision. This segmentation allows the call to establish context while the data is transmitted securely through a separate, encrypted data connection, eliminating eavesdropping risks while maintaining operational convenience.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system introduces a data channel as an intermediary mechanism between the caller and the telephony system. Instead of transmitting sensitive data directly through the voice call, the data channel acts as a secure mediator that transfers the required information without exposing it to eavesdropping, thus resolving the security-convenience contradiction.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If audible responses are required for security verification, then fraud can be detected, but the caller experience deteriorates due to repeated responses

Engineering Contradiction:
Improvefraud detectionVSAvoidcaller experience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary actions by establishing the telephony call context first, which identifies the type of data needed. This preliminary context establishment allows the system to subsequently retrieve and transmit the required data through the data channel without requiring the caller to repeatedly answer security questions, thus maintaining fraud detection while improving caller experience.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system uses feedback from the telephony call context to determine what data is needed. The call context provides feedback about the verification requirements, which then triggers automatic data retrieval and transmission through the data channel, eliminating the need for repeated audible responses while maintaining security verification.

Inventive Principle:
Principle #23Feedback

3Device complexity

If data is transmitted through the telephony call, then the process is simple, but the data becomes vulnerable to interception

Engineering Contradiction:
Improvesimplicity of processVSAvoideavesdropping vulnerability
Core Design Contradiction:
Device complexityVSObject-affected harmful factors

Solution Approach 1:

The system transitions from a single-dimension approach (transmitting data only through the voice call) to a two-dimension approach by adding a separate data channel. This dimensional change allows the system to maintain the simplicity of the telephony call for context establishment while using the additional data channel dimension for secure data transmission, thus resolving the complexity-security contradiction.

Inventive Principle:
Principle #17Another dimension (Dimensionality change)

Data Source

PatentUS12256213B1Parallel data provision
Publication Date: 2025.03.18 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
  • US12256213B1 patent drawing
  • US12256213B1 patent drawing
  • US12256213B1 patent drawing

AI summary

A system includes a client device including a processor, a telephony radio that supports telephony communications, and a data radio that supports data communications. The client device conducts, via the telephony radio, a call with a telephony service. Further the client device identifies a context of the call, identifies a subset of stored private data associated with the context of the call; and in parallel with the call, provides the subset of the stored private data, via a data radio, to a data service.