ATM Requestor Authentication via Pre-Stored Profiles and Electronic Challenges
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Solution Overview
Problem
Existing ATMs lack effective authentication mechanisms for requestors performing payment card actions, leading to potential fraud and inefficient, frustrating authentication processes.
Innovation Solution
An authentication computing device that stores an authentication profile for an account holder, generates and transmits challenges based on this profile, and determines the authenticity of the requestor through biometric and location verification, enabling secure and efficient payment card actions at ATMs.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If ATMs generate and provide payment cards without authentication, then card issuance is fast and convenient, but security and fraud prevention deteriorate
Solution Approach 1:
The system performs authentication actions before card issuance. The authentication profile is created and stored in advance, and authentication challenges are sent to the requestor's device before the ATM generates the payment card, ensuring security is established prior to the card being provided.
Solution Approach 2:
The authentication profile acts as an intermediary between the requestor and the card issuance process. It contains authentication information that mediates the interaction, allowing the ATM to verify identity without requiring direct manual verification while maintaining security.
2Reliability
If ATMs use traditional manual authentication processes, then security is maintained, but operation time and user frustration increase
Solution Approach 1:
The system replaces manual mechanical authentication processes with automated electronic authentication. Instead of requiring manual verification by bank staff, the system uses electronic authentication profiles, challenges, and responses that can be processed automatically, reducing both time and manual intervention.
Solution Approach 2:
The authentication process enables self-service by allowing the requestor's device to receive and respond to authentication challenges automatically. The system performs authentication actions without requiring continuous manual intervention, making the process faster and more convenient while maintaining security.
3Reliability
If ATMs implement comprehensive authentication mechanisms, then fraud prevention is improved, but device complexity increases
Solution Approach 1:
The authentication system is segmented into distinct components: authentication profiles stored in memory, authentication challenges generated and transmitted to client devices, and authentication responses processed by the ATM. This segmentation allows each component to perform its specific function independently, reducing overall system complexity while maintaining comprehensive authentication capability.
Data Source
AI summary
An authentication computing device including at least one processor in communication with a memory is provided. The processor stores, within the memory, an authentication profile associated with an account holder. The authentication profile includes an account identifier associated with a payment account of the account holder and authentication information. The processor further receives an authentication request associated with the payment account and a payment card action request from a requestor for a payment card action to be performed through an automated teller machine (ATM). The processor also retrieves the stored authentication profile, generates an authentication challenge based on the authentication profile, transmits the authentication challenge to a client device and/or the ATM, receives an authentication response from the requestor, and determines an authentication result based, at least in part, on the authentication response. The authentication result indicates if the requestor is the authenticated account holder of the payment account.