Card Matrix Two-Factor Authentication for Secure Transactions
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Solution Overview
Problem
Current authentication techniques are limited in effectively securing transactions and preventing unauthorized actions, as they often rely on single-factor authentication methods that can be vulnerable to fraud.
Innovation Solution
A system that employs a card matrix for two-factor authentication, where a user provides a set of cell values corresponding to cell identifiers, and a second factor such as a username or biometric, to authenticate and authorize transactions, thereby reducing the risk of unauthorized access.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If single-factor authentication is used, then ease of operation is improved, but security reliability deteriorates
Solution Approach 1:
The authentication process is segmented into two distinct factors: something the user has (card matrix with cell values) and something the user knows or is (password or biometric). This segmentation allows the system to maintain operational simplicity while significantly enhancing security reliability by requiring multiple independent authentication elements.
Solution Approach 2:
The authentication system uses a composite approach by combining different types of authentication factors (possession factor via card matrix and knowledge/biological factor via password or biometric). This composite structure creates a more robust security mechanism that maintains ease of use while improving overall authentication reliability.
2Reliability
If card matrix with stored values is used, then authentication security is improved, but memory consumption increases
Solution Approach 1:
The patent extracts only the essential authentication data (cell values from specific positions in the card matrix) needed for verification, rather than storing the entire card matrix. This extraction approach maintains strong authentication security while significantly reducing memory consumption by storing only the necessary subset of data.
Solution Approach 2:
Instead of storing the complete card matrix, the system creates a simplified copy or representation consisting only of the relevant cell values associated with specific cell identifiers. This copying strategy preserves authentication capability while minimizing storage requirements.
3Measurement precision
If complete card matrix is transmitted, then authentication accuracy is improved, but bandwidth consumption increases
Solution Approach 1:
The system extracts and transmits only the specific cell values corresponding to predetermined cell identifiers rather than the entire card matrix. This extraction maintains authentication accuracy by ensuring the correct verification data is transmitted while dramatically reducing bandwidth consumption.
Solution Approach 2:
Instead of transmitting the complete card matrix (excessive action), the system transmits only the partial set of cell values necessary for authentication. This partial transmission approach maintains sufficient authentication accuracy while optimizing bandwidth utilization.
Data Source
AI summary
A system receives a request to authenticate a user and determines a first set of cell identifiers of a card matrix to associate with the user. The system receives a first factor, which comprises a first set of received cell values corresponding to the first set of cell identifiers of the card matrix. The system further determines a first set of stored cell values corresponding to the first set of cell identifiers of the card matrix and compares the first set of received cell values to the first set of stored cell values. The system also receives a second factor, which is different than the first factor. Finally, the system determines that the user is authenticated based at least in part upon the comparison of the first set of receives cell values to the first set of stored cell values.