Contactless Authentication via Personal Device Intermediaries

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Solution Overview

Problem

Conventional systems require users to physically interact with common surfaces for authentication and event processing, raising hygiene concerns and compromising data security.

Innovation Solution

A contactless authentication and event processing system that uses a user's computing device to input authentication data without touching public surfaces, leveraging a contactless processing computing platform to retrieve user data and evaluate authentication responses, thereby minimizing surface contact and ensuring data security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users input authentication data via touchscreen or keypad, then authentication can be processed, but users must contact common surfaces which raises hygiene concerns

Engineering Contradiction:

Improvedata securityVSAvoidhygiene risk

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent replaces mechanical contact-based authentication (touchscreen, keypad) with contactless authentication methods including voice recognition, facial recognition, and wireless communication protocols. This substitution eliminates physical contact with surfaces while maintaining secure authentication processing.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system introduces an intermediary layer between the user and the authentication system through contactless interfaces. Instead of direct contact with shared surfaces, users authenticate through intermediaries such as voice commands, facial scans, or wireless device communication, thereby breaking the direct contact chain.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Object-affected harmful factors

If users use personal computing devices for authentication, then contact with public surfaces is reduced, but additional devices and communication protocols are required

Engineering Contradiction:

Improvesurface contactVSAvoidsystem complexity

Core Design Contradiction:

Object-affected harmful factorsVSDevice complexity

Solution Approach 1:

The patent leverages the multi-functionality of personal computing devices which already possess cameras, microphones, and wireless communication capabilities. These existing components are utilized for contactless authentication, eliminating the need for dedicated hardware while reducing overall system complexity.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system enables users to authenticate using their own personal devices that they already possess and are familiar with. The authentication process leverages existing device capabilities without requiring users to adapt to new hardware or complex procedures, making the system self-service oriented and reducing complexity.

Inventive Principle:

Principle #25Self-service

3Object-affected harmful factors

If contactless authentication is implemented, then user safety is enhanced, but authentication data must be transmitted wirelessly which may raise security concerns

Engineering Contradiction:

Improveuser safetyVSAvoiddata security

Core Design Contradiction:

Object-affected harmful factorsVSReliability

Solution Approach 1:

The patent employs parameter changes in wireless communication by using encrypted data transmission protocols and dynamic authentication tokens. These parameter changes ensure that even though data is transmitted wirelessly, the security is maintained through transformed and protected data states.

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

By replacing mechanical contact-based authentication with contactless methods, the system inherently improves user safety by eliminating surface contact. The security concerns are addressed through sophisticated wireless protocols that provide equivalent or superior security to contact-based methods.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS12107842B2Contactless authentication and event processing

Publication Date: 2024.10.01 BANK OF AMERICA CORP

AI summary

Systems for contactless authentication and event processing are provided. In some examples, a user may request processing of an event. The user may provide user identifying or event identifying information that may be transmitted to contactless processing computing platform. Based on the user identifying information, additional user data may be retrieved. An interactive authentication request may be generated and transmitted to the user computing device. The interactive authentication request may include a request for one or more types of authentication data. The user may input authentication response data into the user computing device, which may then be transmitted to the contactless processing computing platform for evaluation. The authentication response data may be evaluated to determine whether it includes a trigger, whether it matches pre-stored authentication data, and the like. In response, one or more authentication outputs may be generated and/or the requested event may be processed or denied.