Asynchronous Step-Up Authentication for IoT Transactions

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Solution Overview

Problem

Existing IoT transaction authorization systems rely on trust that proper authentication has been obtained by client applications, which can lead to security concerns when transactions are made without the user's permission, especially in shared device scenarios.

Innovation Solution

Implementing a step-up authentication process that uses existing trusted authenticators and decouples IoT devices and integration applications from additional authentication, allowing for asynchronous execution and the use of a second access token for high-risk transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If trust-based authentication is used for IoT transactions, then ease of operation is improved, but security is worsened

Engineering Contradiction:
Improveease of operationVSAvoidsecurity
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent segments the authentication process into two distinct phases: initial authentication (first access token) and step-up authentication (second access token). This segmentation allows the system to maintain ease of operation for routine transactions while enhancing security for high-risk transactions through the additional authentication layer.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent implements dynamic authentication requirements based on transaction risk assessment. The system dynamically determines whether step-up authentication is needed by evaluating transaction characteristics, device status, and user behavior patterns. This dynamic approach maintains ease of operation for low-risk transactions while applying enhanced security measures only when necessary.

Inventive Principle:
Principle #15Dynamics

2Reliability

If step-up authentication is implemented for all transactions, then security is improved, but device complexity is worsened

Engineering Contradiction:
ImprovesecurityVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies step-up authentication partially rather than universally. The system performs risk assessment and applies enhanced authentication only to transactions that meet specific risk criteria, rather than requiring it for all transactions. This partial application maintains security for high-risk cases while avoiding the complexity overhead for routine transactions.

Inventive Principle:
Principle #16Partial or excessive action

Solution Approach 2:

The patent changes the authentication parameter dynamically based on transaction characteristics. The system evaluates multiple parameters (transaction amount, device status, user behavior patterns, time of day) and adjusts the authentication requirement accordingly. This parameter-based approach allows the system to maintain security while adapting complexity to actual risk levels.

Inventive Principle:
Principle #35Parameter changes

3Measurement precision

If synchronous authentication is used, then measurement precision is improved, but loss of time is worsened

Engineering Contradiction:
Improveauthentication accuracyVSAvoidauthentication time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent performs preliminary risk assessment and authentication type determination before the actual authentication process. By pre-evaluating transaction characteristics and determining the appropriate authentication level in advance, the system avoids unnecessary authentication steps and reduces overall authentication time while maintaining security accuracy.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent implements asynchronous step-up authentication that allows the initial transaction request to proceed while the enhanced authentication is performed in the background. This continuous processing approach maintains authentication accuracy through thorough verification while minimizing user wait time by overlapping authentication steps rather than executing them sequentially.

Inventive Principle:
Principle #20Continuity of useful action

Data Source

PatentUS12316766B1Asynchronous step-up authentication for client applications
Publication Date: 2025.05.27 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
  • US12316766B1 patent drawing
  • US12316766B1 patent drawing
  • US12316766B1 patent drawing

AI summary

Embodiments described herein disclose methods and systems for authorizing transactions received from client applications. The transaction request can include a first access token. After validating the first access token, the system can determine whether additional authentication is needed to authorize the transaction. If additional authentication is needed, the system can determine the authentication requirements. Once the additional authentication is received and verified, the system can generate a second access token and authorize the transaction by releasing the first access token.