Remote Control Banking Button for TV Financial Access

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Solution Overview

Problem

Users of financial institutions face difficulties accessing their accounts and services due to small display screens on user devices, which can complicate interactions and require additional steps to access financial information, especially when the user device is not readily available.

Innovation Solution

A remote control device associated with a media device, featuring a designated banking button, allows users to access and interact with a financial services platform by detecting button presses, providing account information, and presenting financial information on a larger presentation device like a television, thereby simplifying access and conserving resources.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If users access financial services through user devices with small display screens, then financial services can be accessed remotely, but the user experience is degraded due to difficult navigation and small display area

Engineering Contradiction:
Improveease of accessing financial servicesVSAvoiddisplay screen area
Core Design Contradiction:
Ease of operationVSArea of stationary object

Solution Approach 1:

The patent introduces a media device (such as a television) as an intermediary between the user device and the financial services platform. The remote control device acts as a mediator that transmits user inputs to the media device, which then displays financial information on a large screen. This intermediary approach allows users to access financial services with the convenience of a remote control while enjoying the large display area of the media device, effectively resolving the contradiction between ease of operation and display area.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If users navigate through multiple steps to access financial information on small screens, then security can be maintained, but the access time and complexity increase

Engineering Contradiction:
Improvesecurity of financial accessVSAvoidtime to access financial information
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent implements preliminary action by pre-pairing the remote control device with the user's financial account information and authentication credentials. When the user presses a designated button on the remote control, the authentication process is automatically initiated without requiring the user to manually enter credentials or navigate through multiple security steps. This preliminary setup maintains security while dramatically reducing the time required to access financial information, as the authentication tokens are already prepared and ready for immediate use.

Inventive Principle:
Principle #10Preliminary action

3Adaptability or versatility

If user devices are used for accessing financial services, then remote access is enabled, but additional processing and network resources are consumed

Engineering Contradiction:
Improveremote banking capabilityVSAvoidprocessing and network resources
Core Design Contradiction:
Adaptability or versatilityVSUse of energy by moving object

Solution Approach 1:

The patent extracts the resource-intensive functions of financial service access from the user device and relocates them to the media device. The user device's role is reduced to simply transmitting remote control signals, while the media device handles the actual communication with the financial services platform, data processing, and display operations. This extraction significantly reduces the processing and network resource consumption of the user device, as it no longer needs to maintain continuous connections or process financial data, while still enabling remote access functionality.

Inventive Principle:
Principle #2Taking out (Extraction)

Data Source

PatentUS11348171B2Accessing a financial service using a media device
Publication Date: 2022.05.31 CAPITAL ONE SERVICES LLC
  • US11348171B2 patent drawing
  • US11348171B2 patent drawing
  • US11348171B2 patent drawing

AI summary

Some examples, described herein, may include detecting a button press of a banking button on a remote control device associated with a media device. The banking button may be designated to access a financial institution. Some examples may include accessing a financial services platform based on detecting the button press. The financial services platform may be associated with the financial institution. Some examples may include providing account information, associated with a financial account of the financial institution, to the financial services platform. The account information, when provided, may cause the financial services platform to access the financial account. Some examples may include obtaining financial information, associated with the financial account, from the financial services platform. Some examples may include providing the financial information to the media device to enable the media device to present the financial information for display.