Digital Archive for Personal Data Aggregation and Security
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Solution Overview
Problem
Individuals face challenges in organizing and securing various personal and private information, such as insurance details and receipts, which are often stored in physical form and can be lost or difficult to access, leading to inefficiencies in retrieving necessary documents for tasks like health benefits and tax returns.
Innovation Solution
A financial institution provides a digital information storage archive that collects, integrates, and securely stores financial and non-financial information, allowing users to access it electronically without physical documentation, using parameters set by the user, and incorporating additional security validation through separate devices for enhanced authorization.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If personal information is stored in physical form (insurance cards, receipts, papers), then the information is readily accessible and can be carried in a wallet or purse, but the risk of loss increases and organization becomes difficult
Solution Approach 1:
The patent creates digital copies of physical personal information documents (insurance cards, receipts, papers) and stores them in a secure electronic archive. This allows users to access information electronically without carrying physical documents, eliminating the risk of physical loss while maintaining accessibility through digital retrieval.
Solution Approach 2:
The patent replaces the mechanical physical storage system (wallet, purse, paper documents) with an electronic digital storage system. Information is stored, organized, and retrieved through electronic means rather than physical handling, improving both reliability and organizational efficiency.
2Adaptability or versatility
If multiple physical documents are carried for different personal information, then various information can be accessed, but the physical encumbrance and organization difficulty increase
Solution Approach 1:
The patent merges multiple separate physical documents containing different personal information into a single unified electronic archive. Users can store insurance information, receipts, tax documents, and other personal records in one centralized digital location, eliminating the need to carry and organize multiple separate physical documents.
Solution Approach 2:
The electronic archive system provides universal access to various types of personal information through a single platform. The system can store and retrieve different categories of information (insurance, financial, personal records) using consistent electronic interfaces, making the system adaptable to multiple information types without requiring separate physical documents for each.
3Reliability
If security validation through separate devices is implemented, then authorized access is enhanced, but the complexity of access procedures increases
Solution Approach 1:
The patent introduces a separate security device as an intermediary between the user and the personal information archive. This security device validates user identity and authorization before allowing access to stored information, enhancing security while keeping the access procedure streamlined through automated validation.
Data Source
AI summary
A data storage archive is provided for storing personal information and other data from a variety of disparate information sources. The information stored may be later electronically accessed and retrieved by users without requiring the users to carry physical documentation having the information stored thereon. The information may be stored in association with a user's financial account at a financial institution. For example, the information may be indexed or stored in an account identified by the user's financial account number or other financial identifier. In some arrangements, accessing the personal information may include a validation process using a security device separate from a device through which a user is attempting to access the information. Personal information may also be shared among financial account holders based on legal and financial relationships known to the financial institution. A user may also manually assign access privileges to other users.