Cardless Authentication via External Provider Module
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Solution Overview
Problem
Existing systems lack an efficient method for individuals to authenticate their identity without physical bank cards or identification, particularly in scenarios where only a mobile device is available, leading to inconvenience and potential privacy concerns.
Innovation Solution
A computer-implemented method and communication network that enables cardless authentication by utilizing a pre-registered authentication provider module on an external device to authenticate an individual's identity, which is then verified by a trusted computing system, thereby offloading the authentication process and reducing the need for physical ID.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If physical ID scanning is used for authentication, then authentication reliability is improved, but authentication time increases and device complexity increases
Solution Approach 1:
The patent uses a digital copy of the customer's identification data stored in the authentication provider module instead of requiring physical ID scanning. The authentication provider module contains a copy of the customer's identification information, allowing authentication to proceed by verifying the digital copy against the authentication request, thereby eliminating the time-consuming physical scanning process while maintaining authentication reliability
Solution Approach 2:
The authentication provider module is pre-registered with the trusted computing system before actual authentication occurs. The module contains pre-loaded authentication credentials and customer identification data that are prepared in advance, enabling rapid authentication without requiring real-time physical ID verification or scanning processes
2Reliability
If physical ID scanning is used for authentication, then authentication reliability is improved, but device complexity increases
Solution Approach 1:
The patent replaces complex physical ID scanning hardware with a digital copy stored in the authentication provider module. Instead of requiring scanners, readers, or other physical verification devices, the system uses a digital representation of customer identification data that can be accessed and verified through standard computing operations, significantly reducing device complexity
Solution Approach 2:
The authentication provider module serves as an intermediary between the trusted computing system and the customer identification data. This intermediary module handles all authentication logic and data verification, allowing the main computing system to remain simple while maintaining secure and reliable authentication through the specialized authentication provider
3Adaptability or versatility
If ID scanning hardware is installed on ITM, then authentication capability is improved, but device complexity and cost increase
Solution Approach 1:
The authentication provider module provides universal authentication capability that can be implemented on any standard computing device without requiring specialized hardware. The same digital authentication mechanism works across different channels and devices, eliminating the need for channel-specific hardware like ID scanners on ITMs while maintaining broad authentication capability
Solution Approach 2:
The patent uses a digital copy of identification data stored in the authentication provider module instead of requiring physical scanning hardware on ITMs. This digital approach enables authentication capability on any device with standard computing capabilities, removing the need for expensive and complex ID scanning hardware while maintaining versatility across different authentication scenarios
4Ease of operation
If cardless authentication is implemented, then ease of operation is improved, but authentication reliability may be compromised
Solution Approach 1:
The authentication provider module acts as a secure intermediary that maintains high authentication reliability in cardless scenarios. Instead of directly verifying physical IDs, the system uses the authentication provider module as a trusted mediator that holds secure copies of customer identification data and verifies authentication requests through cryptographic protocols, ensuring reliability without requiring physical cards
Solution Approach 2:
The patent replaces the mechanical card-based authentication system with a digital authentication system using the authentication provider module. This substitution maintains authentication reliability by using cryptographic verification and secure digital storage instead of physical card verification, while significantly improving ease of operation for customers who don't have physical cards
Data Source
AI summary
A method and a communication network are disclosed. A first computing device of a trusted computing system transmits an authentication request, for authenticating, in the trusted computing system, an identity of an individual, to a server of the trusted computing system. An authentication provider module, pre-registered with the trusted computing system and that is executing on a second computing device external to the trusted computing system determines that the authentication request has been transmitted to the server of the trusted computing system. The authentication provider module is configured to authenticate the identity of the individual independently of the trusted computing system, responsive to said determining. The authentication provider module authenticates the identity of the individual, and responsive to said authenticating, transmits a response to the authentication request to the server of the trusted computing system, thereby authenticating, in the trusted computing system, the identity of the individual.