Adaptive Authentication System for Online Transaction Security
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Solution Overview
Problem
Inconsistent security measures across various online transactions and activities lead to potential undetected device usage and fraudulent activities, compromising user experience and security.
Innovation Solution
An Always-On Authentication (AOA) system that monitors and authenticates online transactions in real-time by using an individual's risk profile, which is based on personally identifying information, behavioral patterns, and transaction history to determine the necessary level of authentication, allowing for seamless and adaptive security measures.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods are applied consistently across all transactions, then security is improved, but user experience deteriorates due to excessive authentication prompts
Solution Approach 1:
The patent implements dynamic authentication levels that adapt to the risk profile of each transaction. Instead of applying uniform authentication requirements, the system adjusts the authentication level based on real-time risk assessment, allowing low-risk transactions to proceed with minimal verification while high-risk transactions require enhanced authentication measures.
Solution Approach 2:
The system changes the authentication parameter (level of verification required) based on the risk profile parameters. By monitoring transaction characteristics, user behavior patterns, and environmental factors, the system modifies authentication requirements dynamically, reducing friction for trusted transactions while maintaining security for risky ones.
2Ease of operation
If no authentication measures are applied, then user experience is improved, but security deteriorates allowing undetected device usage and fraud
Solution Approach 1:
The system performs preliminary authentication and risk profile establishment during initial user registration and ongoing transactions. By pre-establishing user profiles, device fingerprints, and behavioral patterns, the system can detect anomalies and unauthorized access attempts before they result in fraud, enabling proactive security without requiring constant user input.
Solution Approach 2:
The authentication system operates autonomously by automatically monitoring transactions, analyzing risk profiles, and making authentication decisions without requiring continuous user intervention. The system self-adjusts authentication levels based on detected risk patterns, providing security through automated behavioral analysis rather than manual verification processes.
3Ease of operation
If authentication levels vary by transaction type, then user experience is improved, but consistency in security measures deteriorates
Solution Approach 1:
The patent applies different authentication qualities to different transaction contexts based on their risk profiles. Instead of uniform authentication, the system tailors the authentication approach to local conditions - using minimal verification for low-risk transactions like routine purchases and enhanced verification for high-risk transactions like wire transfers or new device access, thereby maintaining security consistency through risk-based differentiation.
Data Source
AI summary
An Always-On Authentication (“AOA”) system comprises a computer system, such as a server, that automatically monitors and authenticates an enrolled individual's online transactions and/or activities to, for example, detect and/or prevent fraud. The AOA system actively monitors and/or authenticates the individual's online transactions and/or activities with service providers. A risk level may be associated with transactions and/or activities, and if a monitored transaction or activity is determined to exceed risk level for the individual, the individual may be prompted for further authentication information. A risk profile may be built for the individual over time based on the individual's history or pattern of transactions and activities. The AOA system may issue a virtual credential to the individual and/or to one or more of the individual's computing devices. The virtual credential may be provided to participating service provider(s) to enable seamless authentication of the individual during his/her interactions with the service provider(s).