Authentication Token Access Limits for Future Resource Requests

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Solution Overview

Problem

Existing systems fail to utilize an authentication token to record and enforce a limit on a second allocation prior to its execution, lacking a mechanism for users to control resource allocations when they are not present.

Innovation Solution

An authentication token receives user input for a first allocation, generates recommendations for a second allocation, and stores metadata for both, allowing the token to manage and approve or decline subsequent resource access requests based on predefined limits.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If existing systems are used for resource allocation, then resource access can be granted, but users cannot control resource allocations when they are not present

Engineering Contradiction:

Improveuser control over resource allocationsVSAvoidenforcement of allocation limits

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The system performs preliminary actions by recording and enforcing limits on the second allocation before the second allocation is executed. The authentication token stores metadata including the second allocation limit in advance, so when the second resource access request occurs, the pre-established limit can be automatically enforced without requiring user presence or manual intervention at that moment.

Inventive Principle:

Principle #10Preliminary action

2Ease of operation

If authentication tokens are used to record and enforce allocation limits, then user control is improved, but system complexity increases

Engineering Contradiction:

Improveuser control over resource allocationsVSAvoidauthentication token functionality

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The authentication token is enhanced to perform multiple functions: it not only authenticates users but also records allocation limits, generates recommendations for second allocations, stores metadata, and enforces limits on subsequent resource access requests. This multi-functionality consolidates what would otherwise require separate systems into a single universal device.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The authentication token operates autonomously to enforce allocation limits on the second resource access request. When the second request is received, the system automatically compares it against the stored second allocation limit and enforces the limit without requiring user presence or manual intervention, making the system self-regulating.

Inventive Principle:

Principle #25Self-service

3Productivity

If manual user presence is required to oversee resource execution, then control accuracy is maintained, but productivity decreases

Engineering Contradiction:

Improveautomated resource allocationVSAvoiduser control availability

Core Design Contradiction:

ProductivityVSEase of operation

Solution Approach 1:

The authentication token acts as an intermediary between the user and the resource allocation system. It captures and enforces the user's allocation limits automatically, serving as a mediator that executes the user's control decisions without requiring the user to be physically present or manually oversee each resource access request.

Inventive Principle:

Principle #24Intermediary (Mediator)

4Reliability

If the system stores and compares allocation metadata for future requests, then access control reliability is improved, but information processing complexity increases

Engineering Contradiction:

Improveenforcement of allocation limitsVSAvoidmetadata management

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12538341B2Systems and methods for restricting resource access

Publication Date: 2026.01.27 CAPITAL ONE SERVICES LLC

AI summary

Methods and systems for limiting resource access based on user input using an authentication token. In some aspects, the authentication token receives user input indicating a first allocation for a first resource access to be executed at a first time. The authentication token generates recommendations for a second allocation related to the first allocation. The user selects a second allocation. At the first time, the authentication token receives a first resource access request and executes the first allocation. The authentication token also transmits first metadata to an access approval system. At the second time, in response to a second resource access request, the authentication token or the access approval system compares the second resource access request to the first metadata or the second allocation to approve or decline the second resource access request.