5G Mobile Device Real-Time Authentication System

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Solution Overview

Problem

Existing solutions for preventing fraudulent transactions, especially in financial and online activities, are often burdensome for users, lack sufficient security, or require human intervention, leading to delayed responses and increased costs.

Innovation Solution

A system utilizing a 5G mobile device to authenticate users through a high-generation cellular network, which continuously monitors user data and employs a variation of two-factor authentication by broadcasting a unique code via short-range wireless communication, ensuring real-time and efficient transaction approval without user burden.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional authentication methods are used to prevent fraudulent transactions, then security is improved, but user convenience deteriorates and response time increases

Engineering Contradiction:
Improvetransaction securityVSAvoiduser convenience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system performs authentication automatically without requiring user intervention. The mobile device continuously transmits biometric data and the system automatically verifies transaction authenticity, eliminating the need for users to manually input credentials or follow complex authentication procedures while maintaining high security standards

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system continuously monitors and collects biometric data from the mobile device in advance before transactions occur. By having authentication data ready and continuously updated, the system can rapidly verify transactions without delaying user actions, thus improving both security and convenience

Inventive Principle:
Principle #10Preliminary action

2Reliability

If manual monitoring of transactions is implemented to detect fraud, then security is improved, but response time and operational costs worsen

Engineering Contradiction:
Improvefraud detection capabilityVSAvoidresponse time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system continuously receives biometric data from the mobile device and immediately processes it to detect fraudulent transactions. This real-time feedback loop enables automatic detection and response to fraud without manual intervention, significantly reducing response time while maintaining high detection accuracy

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The system replaces manual human monitoring with automated electronic verification of biometric data. The authentication server automatically compares biometric information against stored data and makes fraud determination decisions, eliminating the need for human operators and reducing both response time and operational costs

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Reliability

If frequent authentication checks are performed to prevent fraud, then security is improved, but system complexity and processing overhead worsen

Engineering Contradiction:
Improveauthentication securityVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The system uses biometric data copies transmitted by the mobile device for authentication verification instead of requiring complex multi-factor authentication protocols. The biometric template is copied and transmitted securely for comparison, simplifying the authentication process while maintaining high security standards through frequent verification

Inventive Principle:
Principle #26Copying

Data Source

PatentUS11659391B2Real-time authentication using a mobile device on a high generation cellular network
Publication Date: 2023.05.23 BANK OF AMERICA CORP
  • US11659391B2 patent drawing
  • US11659391B2 patent drawing
  • US11659391B2 patent drawing

AI summary

Aspects of the disclosure relate to methods, systems, and computing platforms for authenticating activity on another computing device in real-time using a mobile device on a high generation cellular network. Aspects of the disclosure leverage and utilize a user's mobile device connected to a high generation cellular network to collect and analyze data about a user to seamlessly identify and prevent potentially fraudulent transactions. More specifically, the present disclosure uses high generation cellular networks, such as a fifth-generation (ā€œ5Gā€) cellular network, to seamlessly, frequently, and repeatedly monitor a user through a 5G mobile device to provide a variation on two-factor authentication. Aspects of the disclosure provide effective, efficient, scalable, fast, reliable, and convenient technical solutions that address and overcome the technical problems associated with monitoring and preventing in real-time potential fraudulent transactions without burdening users (e.g., credit card holders, debit card holders, account holders, and others).