Adaptive Step-Up Authentication for Web Security

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Solution Overview

Problem

Web applications are vulnerable to unauthorized access and fraudulent activities due to inadequate security controls, particularly when users' credentials are stolen, allowing malicious entities to exploit trust between user devices and enterprise systems, leading to potential data breaches and financial fraud.

Innovation Solution

Implementing adaptive step-up authentication methods that dynamically assess user and action risk profiles in real time, requiring additional authentication steps based on generated risk scores, such as one-time passwords, biometric authentication, or CAPTCHA, to re-authenticate users before allowing high-risk actions, thereby enhancing security controls.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If traditional authentication methods are used, then ease of operation is improved, but security reliability deteriorates

Engineering Contradiction:
Improveease of accessVSAvoidsecurity control
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The authentication system dynamically adjusts the authentication method and strength based on real-time risk assessment. The server system selects from multiple authentication methods (password, biometric, hardware token, CAPTCHA) depending on the calculated risk score, making the security control adaptive rather than static. This resolves the contradiction by making ease of operation acceptable for low-risk scenarios while ensuring strong security for high-risk scenarios.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes the authentication parameters (method strength, type of verification required) based on the risk profile generated from user behavior analysis, device characteristics, and action context. For low-risk actions, simple authentication suffices; for high-risk actions, multi-factor or biometric authentication is required. This parameter adaptation resolves the contradiction between ease of operation and security reliability.

Inventive Principle:
Principle #35Parameter changes

2Reliability

If step-up authentication is always required, then security reliability is improved, but productivity deteriorates

Engineering Contradiction:
Improvesecurity controlVSAvoiduser efficiency
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The system applies step-up authentication partially - only when the risk assessment indicates it is necessary. For low-risk actions (viewing profile, reading information), no additional authentication is required. For high-risk actions (fund transfers, password changes), step-up authentication is enforced. This partial application maintains security reliability while preserving user efficiency for routine operations.

Inventive Principle:
Principle #16Partial or excessive action

Solution Approach 2:

The authentication requirement is segmented based on action risk levels. Different authentication thresholds are applied to different types of actions within the web application. This segmentation allows users to operate efficiently for common tasks while maintaining strong security for critical operations, resolving the contradiction between security and productivity.

Inventive Principle:
Principle #1Segmentation

3Reliability

If multiple authentication methods are implemented, then security reliability is improved, but device complexity increases

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

Solution Approach 1:

The server system is designed with multi-functionality to handle multiple authentication methods (password verification, biometric validation, hardware token recognition, CAPTCHA processing) through a unified risk-based framework. This universal architecture manages the complexity internally while presenting a consistent interface to users, resolving the contradiction by consolidating multiple authentication functions into a single adaptable system.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS11290464B2Systems and methods for adaptive step-up authentication
Publication Date: 2022.03.29 VOYA SERVICES
  • US11290464B2 patent drawing
  • US11290464B2 patent drawing
  • US11290464B2 patent drawing

AI summary

A computer-implemented method for enhancing security controls of a web application is described. The method includes, in response to a user device's request to access the web application during a current user session, collecting, by a server system, authentication data of a user of the user device from an identity provider; authenticating, by the server system, an identity of the user based on the collected authentication data; generating, for the user session, a user risk profile that characterizes a level of risk that the user's identity will be compromised; after the user risk profile has been generated for the current user session, authorizing the user device to access the web application; detecting that the user is attempting a particular action on the web application; in response to the detection of the particular action, determining whether a step-up authentication is required based on the user risk profile generated for the current user session; in response to a determination that a step-up authentication is required, dynamically selecting, based on the generated user risk profile, a step-up authentication method for re-authenticating the user's identity; and providing one or more security requests defined by the selected step-up authentication method to the user device.