Authentication Decision Engine for Remote Resource Transfer
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Solution Overview
Problem
Users unable to physically approach a resource distribution source, such as an ATM, lack an alternative method for executing resource transfers, including obtaining cash, as existing systems require physical interaction.
Innovation Solution
An authentication decision engine generates and manages two authentication codes, one for the user and one for the resource distribution source, allowing remote initiation of resource transfers by verifying the codes match upon the source's arrival at the user's location, enabling secure and remote resource distribution.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If physical interaction with resource distribution source is required, then security and authentication are ensured, but accessibility and convenience for remote users deteriorate
Solution Approach 1:
The patent introduces an authentication code as an intermediary element that mediates between the remote user and the resource distribution source. The system generates authentication codes that are transmitted to both the user's computing device and the resource distribution source, allowing verification without physical presence. This intermediary mechanism enables remote access while maintaining security through code-based authentication.
Solution Approach 2:
The patent replaces the mechanical/physical interaction system with an electronic/digital authentication system. Instead of requiring physical presence at the resource distribution source, the system uses electronically transmitted authentication codes and digital verification processes. This substitution enables remote users to access resources while maintaining security through electronic authentication mechanisms.
2Adaptability or versatility
If remote authentication is implemented, then accessibility for unable users is improved, but system complexity and authentication verification burden increase
Solution Approach 1:
The patent segments the authentication process into distinct components: code generation, code transmission to user device, code transmission to resource distribution source, and code verification. This segmentation allows each component to be handled independently and simplifies the overall system architecture. The authentication flow is divided into manageable steps that reduce implementation complexity.
Solution Approach 2:
The system implements self-service authentication where the computing device automatically receives and displays authentication codes without requiring manual intervention. The resource distribution source automatically receives and verifies codes without human operator assistance. This automated self-service approach reduces the operational burden despite increased system complexity.
3Reliability
If real-time code verification is performed, then transaction security is enhanced, but processing time and system response burden increase
Solution Approach 1:
The patent performs preliminary actions by pre-generating and pre-transmitting authentication codes to both the user's computing device and the resource distribution source before the actual resource transfer occurs. This preliminary setup allows the verification process to be rapid and efficient when the actual transaction takes place, reducing processing time while maintaining security.
Solution Approach 2:
The system creates copies of the authentication code and transmits them to both the user device and the resource distribution source simultaneously. This copying mechanism allows both parties to have immediate access to the verification data without requiring real-time communication or complex verification protocols, thus reducing processing time while ensuring security through code matching.
Data Source
AI summary
Systems, computer program products, and methods are described herein for authentication decision engine for real-time resource transfer. The present invention is configured to electronically receive, from a computing device associated with a user, a resource distribution request at a first time; generate a notification on a computing device associated with a resource distribution source; dynamically generate a first resource authentication code based on at least the resource distribution request; transmit control signals configured to cause the computing device associated with the user to display the first resource authentication code to the user; dynamically generate a second resource authentication code based on at least the resource distribution request; transmit control signals configured to cause the computing device associated with the resource distribution source to display the second resource authentication code to the resource distribution source; initiate an execution of the resource distribution request at a second time