Systems and methods building tiered request-response communications using probability-based selections

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Solution Overview

Problem

Conventional data entry methods for electronic communications, such as online forms, are tedious and require users to input extensive and often confidential information, which can lead to privacy concerns and security risks due to varying form formats and the need for additional data that may not be readily available.

Innovation Solution

Implementing tiered request-response communications using probability-based selections, where the system dynamically determines the required information through iterative requests, reducing the burden on users by only requesting necessary data based on probability-based criteria, and utilizing artificial intelligence models to optimize the number and order of requests.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If conventional online forms require users to enter all necessary information, then complete data collection is achieved, but user time and effort are significantly increased

Engineering Contradiction:
Improvedata collection completenessVSAvoiduser data entry time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent segments the data collection process into multiple tiers or levels. Instead of presenting all form fields at once, the system divides them into hierarchical groups where essential information is collected in the first tier, and additional optional information is collected in subsequent tiers. This segmentation allows users to complete the minimum necessary data entry quickly while having the option to provide more information later, thus resolving the contradiction between complete data collection and reduced user time investment.

Inventive Principle:
Principle #1Segmentation

2Productivity

If users store sensitive data locally for auto-population, then data entry speed is improved, but privacy and security risks are increased

Engineering Contradiction:
Improvedata entry speedVSAvoidprivacy and security risks
Core Design Contradiction:
ProductivityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces a secure intermediary layer between the user's local data storage and the application systems. Instead of directly storing sensitive data locally on user devices, the system uses encrypted cloud-based storage or secure server-side databases as an intermediary. The data is encrypted using user-controlled keys, and only authorized applications can access it through secure APIs. This intermediary approach maintains data entry speed through auto-population while eliminating the security risks of local storage, as the data never resides in an insecure environment.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Adaptability or versatility

If all user data is made available to applications, then application functionality is enhanced, but unauthorized access and security breaches are facilitated

Engineering Contradiction:
Improveapplication functionalityVSAvoidsecurity and authorization
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The patent implements dynamic data sharing capabilities where user data accessibility is not static but changes based on contextual factors. The system continuously evaluates application trust levels, user preferences, and current session security contexts to dynamically adjust which data fields are made available to which applications. This dynamic approach allows applications to access necessary data for their functionality while automatically restricting access when security conditions are not met, thus resolving the contradiction between enhanced application functionality and maintained security.

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS12361041B2Systems and methods building tiered request-response communications using probability-based selections
Publication Date: 2025.07.15 CAPITAL ONE SERVICES LLC
  • US12361041B2 patent drawing
  • US12361041B2 patent drawing
  • US12361041B2 patent drawing

AI summary

Methods and systems building tiered request-response communications using probability-based selections. For example, the methods and systems may use machine learning and/or artificial intelligence to generate a tier of a tiered request-response communications with a subset of user input fields and/or tiers, in which the subset is dispositive for completing the tiered request-response communication.