Aggregate Authentication Score System for Identity Verification
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Solution Overview
Problem
Existing identity verification systems are vulnerable to fraud and security breaches when discrete portions of user identifying information are compromised, allowing unauthorized users to impersonate legitimate users, leading to potential financial loss and security issues.
Innovation Solution
The implementation of an aggregate authentication score system that utilizes multiple aspects of user devices associated with a user, including reliability, length of relationship, and historical consistency, to provide a robust and arcuate authentication method, thereby limiting the impact of data breaches on user identity verification.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional username and password verification is used, then the authentication process is simple and fast, but the system becomes vulnerable to fraud when user identifying information is compromised
Solution Approach 1:
The patent segments the authentication process into multiple independent verification components: device identification, relationship length analysis, interaction consistency checking, and fraud scoring. Each component evaluates a specific aspect of user behavior and device characteristics, allowing the system to comprehensively assess authentication reliability without requiring a single complex verification mechanism
Solution Approach 2:
The patent creates a composite authentication system that combines multiple types of data (device identifiers, interaction histories, relationship durations, behavioral patterns) into a unified fraud score. This composite approach integrates diverse information sources to produce a more reliable and fraud-resistant authentication mechanism than any single data type could provide alone
2Reliability
If multiple aspects of user devices are analyzed for authentication, then the authentication becomes more robust and fraud-resistant, but the processing time and computational resources increase
Solution Approach 1:
The system performs preliminary actions by continuously collecting and analyzing device interaction data in the background before authentication is needed. User behavior patterns, device relationships, and interaction histories are pre-established and stored, allowing the fraud scoring system to quickly evaluate authentication requests without performing heavy computations in real-time
Solution Approach 2:
The patent replaces traditional mechanical authentication methods (username/password entry and verification) with an automated computational system that uses algorithms to analyze device data, calculate relationship metrics, and generate fraud scores. This substitution enables rapid processing of multiple authentication factors without requiring manual intervention or time-consuming user actions
Data Source
AI summary
Systems and methods are provided for use in verifying network identities. One exemplary method includes receiving, at a computing device, data associated with multiple user devices of a user and relating to one or more identity attributes of the user. The method then includes, in response to a request for authentication of the user, generating an aggregate score based on multiple of a reliability sub score, a length of relationship sub score, and a historical consistency sub score for each of the multiple user devices taking into account at least some of the received data. The aggregate score may then be transmitted to a relying party in response to the request, thereby permitting the relying party to authenticate the user based at least in part on the aggregate score.