Caller Authentication Using Linked Account Parameters
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Solution Overview
Problem
The reliance on unvalidated Automatic Number Identification (ANI) and caller ID information poses risks for businesses, as it can be easily manipulated, leading to fraud and undermining authentication processes.
Innovation Solution
An authentication device that receives call requests and associated calling party information, retrieves parameters such as the number of linked accounts and fraud history, and verifies the call's origin to generate an authentication result, allowing for efficient processing of calls while reducing fraud.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If ANI and caller ID information are used for authentication, then authentication speed is improved, but reliability deteriorates due to easy manipulation and spoofing
Solution Approach 1:
The system performs preliminary validation of ANI information by checking multiple parameters (fraud history, number of linked accounts, geographic location consistency, device type) before authentication decisions are made. This advance verification prevents reliance on potentially spoofed information while maintaining fast authentication speeds.
Solution Approach 2:
The patent introduces an intermediary validation layer that sits between the ANI information source and the authentication decision-making process. This intermediary system cross-references multiple data sources and parameters to verify the authenticity of ANI information before it is used for authentication, thereby preventing spoofing while maintaining speed.
2Reliability
If multiple parameters are validated for each call, then reliability is improved, but processing time increases
Solution Approach 1:
The system implements a tiered validation approach where only essential parameters are checked for all calls, while additional parameters are validated only when needed. This partial action approach ensures reliable authentication for high-risk scenarios while maintaining fast processing for low-risk calls, avoiding unnecessary validation overhead.
Solution Approach 2:
The patent dynamically adjusts which parameters are validated based on risk assessment, call type, and historical data. By changing the set of validated parameters in real-time rather than always validating all parameters, the system maintains high reliability when needed while minimizing processing time for routine calls.
3Object-affected harmful factors
If ANI validation is implemented, then fraud detection is improved, but device complexity increases
Solution Approach 1:
The validation system is designed to serve multiple functions: fraud detection, authentication verification, geographic validation, and device type verification. By creating a universal validation framework that handles multiple security functions through a single integrated system, the patent reduces overall system complexity compared to having separate systems for each function.
Data Source
AI summary
Embodiments include a system, method, and computer program product that authenticates a caller using calling party information. In an embodiment, an authentication device receives the call request and associated calling party information that includes a calling party number. The authentication device retrieves parameters associated with the calling party number, where a retrieved parameter is a number of accounts linked to the calling party number. The authentication device determines whether the number of accounts is between one and a threshold value, inclusive, and verifies that the call request originates from a location or a device associated with the calling party number. Based on the verifying and determining, the authentication device generates an authentication result that indicates whether the calling party number is authenticated. Then, the authentication device sends the authentication result to a call processing device that processes the call request from the caller according to the authentication result.