Authentication Platform Identity Insight Injection

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Solution Overview

Problem

Current authentication systems for online transactions face challenges such as high fraud rates, increased friction for users, limited data access for issuers, and inefficiencies in authentication processes, particularly in card-not-present transactions, leading to network delays and abandoned transactions.

Innovation Solution

An authentication platform that generates an authentication model using historical consumer identity data to produce identity insight result data, including an identity score and reason codes, which are injected into authorization requests to enhance authentication decisions, thereby improving transaction security and efficiency.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If strong consumer authentication (SCA) methods such as passwords or SMS text messages are implemented, then identity verification capability is improved, but user friction increases leading to abandoned transactions

Engineering Contradiction:

Improveidentity verification capabilityVSAvoiduser friction

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary identity validation by generating an authentication model using historical consumer identity data before the actual transaction occurs. This pre-computed model enables rapid authentication decisions during transactions without requiring users to provide additional credentials, thus maintaining security while reducing friction.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system creates a copy of consumer identity data from historical transactions to build an authentication model. This model serves as a surrogate for real-time identity verification, eliminating the need for users to repeatedly provide sensitive information while maintaining verification capability.

Inventive Principle:

Principle #26Copying

2Reliability

If access control servers (ACS) are contracted for authentication services, then authentication capability is improved, but data access is limited to only transactions processed by that specific ACS

Engineering Contradiction:

Improveauthentication capabilityVSAvoiddata access scope

Core Design Contradiction:

ReliabilityVSLoss of information

Solution Approach 1:

The payment processing network operates a centralized authentication model that serves multiple issuers and merchants universally. This single system can leverage identity data from all transactions processed by the network, providing comprehensive authentication capability to all participants without the data silos that plague distributed ACS systems.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system merges authentication capabilities across the entire payment network by consolidating historical identity data from multiple sources into a unified authentication model. This combination enables the system to leverage collective data from all network transactions rather than being limited to individual ACS data sets.

Inventive Principle:

Principle #5Merging (Combining)

3Measurement precision

If authentication models are generated using historical consumer identity data, then identity insight accuracy is improved, but network load and processing time increase

Engineering Contradiction:

Improveidentity insight accuracyVSAvoidprocessing time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The authentication model is generated in advance using historical consumer identity data before transactions occur. This pre-computation stores identity insights that can be rapidly retrieved and applied during actual transactions, eliminating the need for time-consuming real-time analysis while maintaining high accuracy.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system replaces complex real-time computational analysis with pre-computed authentication models stored in databases. This substitution transforms the authentication process from a computationally intensive real-time operation to a simple data retrieval and comparison operation, dramatically reducing processing time while preserving accuracy.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS20240354762A1Enhanced data messaging systems and methods for authenticating an identity of online users

Publication Date: 2024.10.24 MASTERCARD INT INC

AI summary

An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device and at least one processor coupled to the memory device. The at least one processor is programmed to generate an authentication model using historical data. The at least one processor is further configured to receive, from a merchant computing device, an authentication request message for a current transaction, the authentication request message including consumer identity data for the current transaction and extract the consumer identity data from the authentication request message. The at least one processor is further configured to generate, based on the extracted consumer identity data, identity insight result data using the authentication model, inject the identity insight result data into an authorization request message to generate an enhanced authorization request message, and transmit the enhanced authorization request message to an issuer computing device.