Vehicle-Based Mobile Banking with Context-Aware Authentication
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Solution Overview
Problem
Existing online banking systems lack context-aware functionality, requiring users to manually perform multiple steps and provide extensive authentication, especially in vehicle environments, leading to inefficiencies and increased user effort.
Innovation Solution
A context-aware, vehicle-based mobile banking system that authenticates users within vehicles and selects tasks based on detected contexts, using a combination of vehicle and client device data to facilitate tasks with reduced effort and enhanced security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional online banking systems are used, then users can perform financial transactions, but users must manually perform multiple steps and provide extensive authentication, leading to increased user effort and time consumption
Solution Approach 1:
The system performs preliminary actions by pre-establishing user profiles, authorized devices, and vehicle contexts before actual transactions occur. Authentication credentials and security parameters are pre-configured, allowing the system to automatically recognize and validate users based on previously stored information, thereby reducing manual authentication steps and time consumption during actual transactions
Solution Approach 2:
The system enables self-service by automatically detecting user presence in authorized vehicles and performing authentication without requiring manual user intervention. The system autonomously identifies users through vehicle sensors, matches them with pre-configured profiles, and executes transactions automatically based on predetermined parameters, eliminating the need for users to manually perform multiple authentication steps
2Extent of automation
If context-aware functionality is implemented, then task selection can be automated based on detected contexts, but the system complexity increases due to sensors, data processing, and adaptive algorithms
Solution Approach 1:
The system achieves universality by implementing a multi-functional platform that integrates vehicle sensors, mobile device applications, and banking systems into a unified context-aware ecosystem. The same infrastructure handles diverse functions including user authentication, context detection, task selection, and transaction execution, thereby managing complexity through consolidation rather than separate dedicated systems for each function
Solution Approach 2:
The system employs intermediary components such as a central processing server and standardized communication protocols that mediate between vehicle sensors, mobile devices, and banking systems. These intermediaries simplify the overall architecture by providing standardized interfaces and data formats, reducing the complexity of direct integrations between multiple heterogeneous systems
3Reliability
If multi-factor authentication is used, then security is enhanced, but the authentication process becomes more complex and time-consuming
Solution Approach 1:
The system performs preliminary authentication setup by pre-establishing user profiles, authorized device lists, and security parameters before actual transactions occur. Multiple authentication factors are pre-configured and stored securely, allowing the system to automatically present and validate appropriate factors based on the transaction context without requiring users to manually provide multiple authentication steps during actual transactions
Solution Approach 2:
The system implements dynamic authentication by adapting the number and type of authentication factors required based on the specific transaction context, risk level, and user profile. The authentication process dynamically adjusts itself - using simpler factors for low-risk transactions and more comprehensive factors for high-risk transactions, thereby maintaining security while optimizing ease of operation for each specific scenario
Data Source
AI summary
A computer-implemented method includes authenticating, by one or more first processors of a provider computing system, a user of a vehicle with an account of the user where the vehicle is associated with the account, receiving vehicle data relating to the vehicle, transmitting application data to a vehicle computing system of the vehicle via a first network and based on the vehicle data where the vehicle computing system includes one or more second processors communicatively coupled to the provider computing system via the first network and where the application data includes instructions for rendering an interface via a display system of the vehicle, and receiving, by the one or more first processors and from the vehicle computing system, an input provided via the display system of the vehicle based on the application data.