Automated Access Data Reissue via Biometric Verification

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Solution Overview

Problem

The process of recovering from compromised access data is cumbersome, involving delays in detection and verification, and inefficient methods for issuing new access data, which hinders timely access to resources.

Innovation Solution

A method where a server computer determines potential compromise of access data, sends a compromise alert to the user, and upon user response, initiates the generation and transmission of new access data, allowing immediate use to request access to resources, bypassing traditional verification methods.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If conventional verification methods are used to issue new access data, then security is maintained through proper authentication, but the process becomes time-consuming and inefficient

Engineering Contradiction:
ImprovesecurityVSAvoidtime to issue new access data
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-generating replacement access data and preparing verification mechanisms before compromise is detected. When compromise is detected, the pre-prepared replacement data can be immediately issued, reducing the time required for the recovery process while maintaining security through pre-established verification protocols.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system enables self-service by allowing users to automatically verify their identity and receive replacement access data through automated processes. The biometric verification system and automated issuance mechanism eliminate the need for manual customer service intervention, significantly reducing the time to issue new access data while maintaining security through biometric authentication.

Inventive Principle:
Principle #25Self-service

2Reliability

If traditional paper confirmation or additional registration processes are required, then security verification is thorough, but user convenience and speed of access are reduced

Engineering Contradiction:
Improveverification accuracyVSAvoiduser convenience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system replaces mechanical verification methods (paper confirmation, phone calls, in-person registration) with biometric verification technology. Fingerprint, facial recognition, or other biometric data provide thorough security verification while being significantly more convenient for users than traditional methods, eliminating the need to handle physical documents or undergo complex registration processes.

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

Solution Approach 2:

The system uses biometric templates (digital copies of physical biometric characteristics) to verify user identity. These digital copies enable rapid, accurate verification without requiring users to present physical identification documents or undergo cumbersome registration procedures, thereby improving both verification accuracy and user convenience.

Inventive Principle:
Principle #26Copying

3Reliability

If there is a delay between compromise detection and new access data issuance, then verification processes are completed thoroughly, but fraudulent use of compromised data increases

Engineering Contradiction:
Improveverification completenessVSAvoidfraudulent use
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The system performs preliminary actions by pre-generating replacement access data and establishing verification protocols before compromise detection. This allows the system to immediately issue secure replacement data when compromise is detected, minimizing the window of opportunity for fraudulent use while maintaining thorough verification through pre-established security measures.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The automated biometric verification and issuance system operates without manual intervention, enabling rapid detection and response to compromised access data. The system can automatically verify user identity through biometrics and issue replacement data in real-time, significantly reducing the delay that would otherwise allow fraudulent use while maintaining complete verification through automated security checks.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS10489565B2Compromise alert and reissuance
Publication Date: 2019.11.26 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US10489565B2 patent drawing
  • US10489565B2 patent drawing
  • US10489565B2 patent drawing

AI summary

A user device operated by a user receives a compromise alert indicating a potentially compromised use of first access data associated with a user. The compromise alert enables the user to input a response to the compromise alert, where the response can indicate that the first access data is compromised along with a request to issue new access data for the user. The response is sent to a server computer, which then initiates a process to disable use of the first access data and generate the new access data. The new access data is transmitted to the user device. The user can utilize the new access data to request access to a resource.