Automatic Authentication Staging for Seamless In-Store Identity Verification
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Solution Overview
Problem
Brick-and-mortar locations face challenges in providing seamless digital security during face-to-face interactions, requiring time-consuming user authentication processes that degrade the customer experience.
Innovation Solution
Implementing systems that automatically authenticate users using biometric and device interaction data, generating confidence scores, and allowing seamless authorization without additional user input when thresholds are met, or requesting additional information when needed.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional manual authentication processes are used at brick-and-mortar locations, then digital security requirements are met, but customer experience deteriorates due to time-consuming repeated authentication
Solution Approach 1:
The system performs authentication in advance by receiving and processing user identification features (biometric data, device information) before the user physically arrives at the brick-and-mortar location. This preliminary authentication creates a pre-established trust relationship, allowing the user to bypass manual authentication steps during the actual visit, thus maintaining security while improving customer experience
Solution Approach 2:
The system enables automatic authentication by having users provide identification features through their own devices (mobile phones, tablets) without requiring interaction with bank employees or manual document verification. The automated system processes this data and performs authentication independently, eliminating the need for repeated manual authentication during service transactions
2Measurement precision
If manual authentication processes are implemented, then identity verification can be performed, but time is lost due to repeated authentication requirements
Solution Approach 1:
The system performs identity verification in advance by processing user identification features before the user arrives at the physical location. This preliminary verification establishes authentication status that persists through the user's visit, eliminating the need for repeated time-consuming authentication processes during service transactions while maintaining verification accuracy
Solution Approach 2:
Once authentication is successfully performed using biometric or device-based identification features, the authenticated status continues throughout the user's interaction with the system. This continuous authentication state allows multiple services and transactions to occur without requiring repeated verification, thereby eliminating time loss while maintaining security
Data Source
AI summary
Systems, apparatuses, methods, and computer program products are disclosed for providing a user authentication determination pertaining to a first user. An example method includes receiving user identification indications. The example method further includes determining user identification feature confidence scores based on the user identification indications and one or more user profile features associated with the first user, and determining authentication requirements required for the first user for each inferred user visit reason determined for the user. The example method further includes performing user authentication determinations based on the user identification feature confidence scores and the authentication requirements, and providing a user information report, wherein the user information report includes the user authentication determinations.