Hi @Jamie,
The difference between your bank account and incognito address is that the bank account does not visible to the public. No one can view your bank account’s history except only you.
In the current version, we did not hide the identity of the receiver. So, anyone can listen to the network and monitor your address’s history.
Typically, some payment systems based on cryptocurrency require the sender must include a payment id for their transaction. @Mike_Wagner’s suggestion is one of the solutions. I think it up to the solution of the third party like Incognito wallet app.
From the chain side, we have a protocol for the sender to prove that this TxId was created by him. I think we will add it to an explorer like IncScan in the future.