Telecom Billing Account Pin Authentication Tokens
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Solution Overview
Problem
Existing authentication and authorization systems in telecommunications are vulnerable to fraudulent activities, particularly due to the proliferation of bad actors obtaining user identity data and security credentials, leading to increased occurrences of unauthorized account access and fraudulent transactions.
Innovation Solution
The implementation of an enhanced token-based authentication and authorization scheme that utilizes billing account pins to generate stepped-up authorization tokens, providing real-time security risk assessment and enhancing the security of user authentication and authorization processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication tokens are used for user authentication and authorization, then the system provides basic access control, but the system becomes vulnerable to fraudulent activity and unauthorized account access
Solution Approach 1:
The system performs preliminary authentication actions by validating billing account pins before allowing any account access or transactions. This pre-authentication step ensures that only verified account owners can access their billing information or make purchases, preventing fraudulent activity before it occurs rather than reacting to it after authentication tokens are compromised
Solution Approach 2:
The billing account pin serves as an intermediary security mechanism between the user and the authentication token. Instead of relying solely on the token for authentication, the system introduces the pin as an additional verification layer that mediates the authentication process, ensuring that even if tokens are stolen, fraudulent access cannot occur without the pin
2Reliability
If multiple authentication factors are required for all transactions, then authentication security is improved, but system complexity and user friction increase
Solution Approach 1:
The system applies different authentication requirements to different operations based on their risk level. High-risk operations such as purchases and account changes require the additional billing account pin verification, while low-risk operations like viewing billing information can proceed with standard authentication tokens alone. This localized approach to security ensures thorough protection where needed without unnecessarily complicating the authentication process for all operations
3Reliability
If real-time security risk assessment is implemented for all authentication requests, then fraudulent activities are denied access, but computing resources are consumed
Solution Approach 1:
The system implements partial security assessment by only performing comprehensive real-time risk assessment and billing account pin validation when necessary for high-risk operations. For low-risk operations, the system uses lighter authentication mechanisms that consume fewer computing resources. This selective approach ensures thorough fraud detection where needed while conserving computing resources for operations that require them
Data Source
AI summary
Described herein are techniques, devices, and systems for utilizing account number pins to generate enhanced tokens for user authentication. Tokens may be enhanced by a telecommunication service provider in response to the account number pins being received and validated. The enhanced tokens may be utilized for different types of processes associated with requests received from user equipment, customer care devices, and/or retail devices.