Systems and methods of safeguarding user information while interacting with online service providers

A non-transitory computer-readable medium that stores instructions that, when executed by at least one processor of a mobile computing device, causes the mobile computing device to perform a method comprising:

• presenting, over a textual communications app GUI being displayed by the mobile computing device, an overlay GUI comprising at least one user interface element overlaying a portion of the textual communications app GUI for receiving textual data;
• receiving, at the at least one processor, plaintext data corresponding to first user input received at the mobile computing device, wherein the textual data is formatted for entry into the portion of the textual communications app GUI for receiving textual data;
• encrypting, by the at least one processor, the plaintext data, to create ciphertext data;
• receiving, at the at least one processor, an indication of second user input received at the mobile computing device, the second user input corresponding to a transmit-message functionality of the textual communications app;
• directing, by the at least one processor, the ciphertext data, to the GUI of the textual communications app;
• and
• responsive to receiving the indication of the second user input, initiating, by the processor, transmission of a first message including the ciphertext data by the textual communications app.

A system comprising:

• an overlay GUI for intercepting user input;
• a cryptographic key for encrypting plaintext data;
• at least one memory operatively coupled to at least one processor and configured for storing data and instructions that, when executed by at least one processor, cause the system to perform a method, comprising:
• presenting, over a GUI of the target client app being displayed by a mobile computing device, the overlay GUI, wherein the overlay GUI comprises at least one user interface element mimicking the appearance of, and overlaying, a portion of the GUI of the target client app GUI for receiving private data;
• receiving, at the at least one processor, plaintext data corresponding to first user input received at the mobile computing device, wherein the private data is formatted for entry into the portion of the target client app GUI for receiving private data;
• encrypting, by the at least one processor, based on the cryptographic key, the plaintext data, to create ciphertext data;
• receiving, at the at least one processor, an indication of second user input received at the mobile computing device, the second user input corresponding to a transmit-message functionality of the target client app;
• directing, by the at least one processor, the ciphertext data, to the GUI of the target client app;
• and
• responsive to receiving the indication of the second user input, initiating, by the processor, transmission of a first message including the ciphertext data by the target client app.