The "Digital Onion"

When I came back to the US and had to fill out the exact same form everywhere I went, I created this as a solution with some other integrations and applications. Unfortunately, some people had already beaten me to the punch. Before accepting a job with a tech company, I submitted the following in an intellectual property disclosure:

I have conceptualized and shared with software engineers what I perceive to be the next natural progression of mobile software ecosystems, in which apps, forms and third party means of managing finances will be rendered obsolete.

Each user has a "personal information onion" if you will, or a capsule in which their information is stored in layers corresponding to the respective sensitivity of said data.

This "onion" can freely explore a marketplace that takes the place of apps or an app store, making optional use of voice commands or search bars to reach their destination with increased speed and efficiency.

Forms & Apps
When interfacing with a merchant (e.g. Dunkin' Donuts or Walmart), the outermost and least sensitive layer of information (phone number, spam email, etc) is revealed for things like opening a membership or accruing points in retail rewards systems. As the user progresses into increasingly secure processes like applying for credit cards, auto loans, home loans, etc., subsequent (and more sensitive) layers of information are revealed to [merchant].

Managing Finances
Your "onion" tracks and manages all your points in rewards programs as well as monthly expenses and gives you the opportunity to schedule minimum payments for each at the beginning of each month. Before the due date of each payment, the system will prompt you, asking if you'd like to adjust your payment above the minimum, and also alerts you if your spending trajectory brings you close to a point where you're in danger of not being able to meet your financial obligations.

On the back end, companies who own, manage and develop the apps will change little to nothing from an operational standpoint, only making a slight modification to interface with the "doors" in this ecosystem through which users can enter merchants' storefronts.

Thomas