Patent published on November 21, 2023

Capital One Mobile's Patent Could Make Form-Filling Safer and Easier

As we all move towards the world of online forms and digital signatures, the battle to keep our personal details safe from prying eyes and cyber attacks is becoming more vital. Capital One Services' new patent (US11822879B2) is looking to improve the efficacy of this battle by making it easier and safer for people to fill out online forms. It’s a simple idea, but one that may well hold the key to a significant leap forward in online data security.

Traditionally, when we fill out forms - be they paper-based or digital - we are required to enter vital personal information such as our name, address, phone number, and sometimes even more sensitive data like our social security number. This information, in the wrong hands, can lead to identity theft and other forms of cyber crime. Additionally, with the rise of technologies like virtual reality (VR), augmented reality (AR), and mixed reality (MR) - collectively known as XR or Extended Reality, these vulnerabilities were laid bare and in need of addressing.

This patent plans to tackle this problem head-on, by creating a new method to collect and save data from a form. It can handle special information that might require extra security measures such as entering in a secure XR environment while regular info could be entered in the traditional way. It gives the user control over who they share information with and grants them a layer of protection around their personal data.

This new way of doing things would make it harder for people nearby to see the information being entered, thereby enhancing privacy and security. Furthermore, this randomization mechanism also makes it tougher for unauthorized individuals to match form contents to specific fields, adding an extra layer of difficulty for potential data thieves.

This patent essentially marks an important step towards a future where personal data is kept safer in an increasingly connected world. Think about the potential real-life applications: a bank customer filling out a loan application form on their phone while sitting on a crowded subway, a doctor inputting confidential patient data, or a student applying for scholarships without fear of their information being stolen.

What’s more, with the use of XR becoming increasingly common in industries such as gaming, education, and healthcare, and as we proceed towards a more digitally connected future, this patent not only responds to the needs of the here and now, but also anticipates challenges of the future.

However, it is crucial to note that this is simply a patent at this stage. While it may indeed revolutionize the way we enter and secure sensitive data, there remains no certainty that it will ever come to fruition in the marketplace. The world of patents is filled with ideas that hold promise but yet remain unrealized, either due to technical issues, cost factors, or simply because a better solution arrived on the scene. Time will tell if Capital One Services' patent will become a reality, but it certainly offers us a glimpse into what a safer, more secure online world could look like.

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