Certificate-Based Secure Messaging for SMS Interception Risks

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Solution Overview

Problem

Existing SMS communication methods are insecure due to vulnerabilities in short message service centers and third-party access, posing risks to sensitive information like one-time passwords, particularly in financial transactions.

Innovation Solution

A method and system using certificate-based encryption and decryption, involving a first entity generating a certificate, extracting keys, sharing a public key for encryption, and decrypting messages with a private key to ensure secure communication.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If conventional SMS communication channels are used, then ease of operation is improved, but security and reliability deteriorate due to middle-man attacks and unauthorized access

Engineering Contradiction:
Improveease of operationVSAvoidsecurity
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent introduces a secure communication application as an intermediary layer between users and the SMS infrastructure. This application implements certificate-based authentication and end-to-end encryption, acting as a trusted mediator that protects messages from unauthorized access while maintaining the familiar SMS communication interface. The intermediary application stores private keys securely and manages the encryption/decryption process transparently.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent fundamentally changes the security parameters of SMS communication by transitioning from plaintext transmission to encrypted transmission. It implements end-to-end encryption where messages are encrypted before leaving the sender's device and decrypted only at the receiver's device. This parameter change transforms the communication channel from inherently insecure to secure, while maintaining operational simplicity through automated cryptographic processes.

Inventive Principle:
Principle #35Parameter changes

2Reliability

If certificate-based encryption is implemented, then security is improved, but device complexity increases due to key management and encryption processes

Engineering Contradiction:
ImprovesecurityVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The secure communication application implements self-service mechanisms for key management. The application automatically generates cryptographic key pairs, stores private keys securely in the device's secure storage, and manages the encryption/decryption processes without requiring user intervention. This self-service approach handles the complexity internally while presenting a simple interface to users.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent introduces a secure communication application as an intermediary layer between users and the SMS infrastructure. This application implements certificate-based authentication and end-to-end encryption, acting as a trusted mediator that protects messages from unauthorized access while maintaining the familiar SMS communication interface. The intermediary application stores private keys securely and manages the encryption/decryption process transparently.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Adaptability or versatility

If third-party applications are allowed to read SMS, then accessibility and functionality are improved, but security deteriorates due to unauthorized access to sensitive information

Engineering Contradiction:
ImproveaccessibilityVSAvoidunauthorized access
Core Design Contradiction:
Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The secure communication application acts as an intermediary that receives encrypted messages from the SMS infrastructure and decrypts them within its secure environment. Third-party applications can interact with this intermediary through controlled interfaces without accessing the actual private keys or plaintext messages. This mediator approach enables functionality while preventing unauthorized access to sensitive information.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent segments the SMS communication system into distinct security zones. The secure communication application creates an isolated encrypted channel that separates sensitive message content from the general SMS infrastructure and third-party applications. Messages are segmented into encrypted payloads that can only be accessed by the authorized recipient's application, preventing other applications from reading the content even if they have SMS access permissions.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS12621278B2Method and system for providing a secure communication
Publication Date: 2026.05.05 JPMORGAN CHASE BANK NA
  • US12621278B2 patent drawing
  • US12621278B2 patent drawing
  • US12621278B2 patent drawing

AI summary

A method and a system for providing a secure communication are disclosed. The method includes receiving a request to install an application for the secure communication between a first entity and a second entity. Next, the method includes generating a certificate for the secure communication between the first entity and the second entity. Next, the method includes extracting a first key and a second key from the certificate. Next, the method includes sharing the first key with the second entity for encryption of a message in the secure communication. Next, the method includes receiving the encrypted message from the second entity. Next, the method includes decrypting the encrypted message using the second key. Thereafter, the method includes displaying the decrypted message in the application.