Adaptive Authentication System for Personalized User Access
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Solution Overview
Problem
Conventional authentication systems for financial services require multi-step processes, which can be inconvenient for frequent users and do not allow for personalized authentication preferences, leading to user dissatisfaction.
Innovation Solution
A system that allows users to select their preferred level of authentication based on self-defined preferences, such as time duration or geographic location, which determines the appropriate authentication types and credentials required for accessing financial application functions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If multi-step authentication is implemented to prevent fraud and theft, then security is improved, but user convenience deteriorates
Solution Approach 1:
The authentication system dynamically adjusts the required authentication level based on contextual factors such as user behavior patterns, device recognition, location, and transaction risk assessment. Instead of applying a fixed multi-step authentication process to all users and transactions, the system adapts the authentication requirements in real-time, providing stronger authentication only when necessary while allowing faster access for low-risk scenarios.
Solution Approach 2:
The system changes the parameters of authentication requirements based on various inputs including user history, device characteristics, transaction amount, and environmental context. By modifying authentication parameters dynamically rather than maintaining static requirements, the system achieves both enhanced security for high-risk operations and improved convenience for routine transactions.
2Device complexity
If standardized authentication processes are used for all users, then system simplicity is improved, but personalization capability deteriorates
Solution Approach 1:
The authentication system segments users into different categories or risk profiles based on their behavior patterns, device usage, and transaction history. This segmentation allows the system to apply different authentication protocols to different user groups while maintaining a unified underlying architecture, thus achieving personalization without proportionally increasing system complexity.
Solution Approach 2:
The system transitions from static, one-size-fits-all authentication to dynamic, adaptive authentication that automatically adjusts requirements based on individual user contexts. This dynamic approach enables personalization while relying on automated decision-making algorithms that prevent the system complexity from scaling linearly with the number of personalized rules.
Data Source
AI summary
Embodiments of the invention are directed to a system, method, and a computer program product self-selected user access based on specific authentication types. The system typically including a memory, a processor, and a module configured to receive from a user, a user-selected preference, wherein the user-selected preference comprises one or more authentication types desired by the user; determine a level of authentication from a plurality of levels of authentication are associated with the one or more authentication types associated with the user-selected preference; initiate the presentation of a user interface that enables the user to select one or more application functions, wherein the one or more application functions are associated with the determined level of authentication; receive from a user, a selection of one or more application functions.