Scannable Check Management Service Secure Memo Access
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Solution Overview
Problem
Traditional checks lack a secure and efficient method for private communication between payors and payees, as the memo line is visible and limited in capacity, making it unsuitable for conveying private messages.
Innovation Solution
Incorporating scannable codes on checks that allow for secure data access, where a server processes user authentication and access permissions, enabling private memo access for authorized users and restricting access to unauthorized users, with features like expiration and view count management.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If a traditional memo line is used on checks, then the check can convey basic information, but the memo is visible to anyone inspecting the check and is limited in capacity
Solution Approach 1:
A server acts as an intermediary between the check and the user device. The server stores memo information associated with scannable codes and provides controlled access to this information, preventing unauthorized viewing while enabling authorized users to access private messages, images, videos, and other data types.
Solution Approach 2:
The solution moves the memo information from the two-dimensional physical check surface to a multi-dimensional digital space accessible through user devices. This allows for significantly expanded data capacity including images, videos, and other media while maintaining the physical check's simplicity.
2Quantity of substance
If the memo line capacity is expanded to hold more text, then more information can be conveyed, but the memo remains visible to anyone with the check
Solution Approach 1:
The server mediates between the scannable code on the check and the user device, storing and controlling access to memo information. This enables expanded data capacity including images, videos, and other media while maintaining privacy through authentication and authorized access only.
3Reliability
If no expiration mechanism is implemented, then the memo remains accessible indefinitely, but unauthorized users retain access beyond the intended period
Solution Approach 1:
Expiration parameters are predetermined and configured when the memo is created. The server automatically enforces these time-based restrictions, allowing the memo to be accessed only within the specified time window and automatically revoking access after expiration without requiring additional intervention.
Data Source
AI summary
A server may receive data identifying a requesting user and data identifying a scanned code from a client device. A processor of the server may analyze the data identifying the scanned code to identify a memo associated with the scanned code. The memo may be associated with a creating user. The processor may determine whether the requesting user is the creating user by analyzing the data identifying the requesting user. In response to determining that the requesting user is the creating user, the processor may permit the client device to access a private account associated with the creating user. In response to determining that the requesting user is not the creating user, the processor may cause the client device to display a message associated with the memo.