Credential File Verification with NFC and Bluetooth Authentication
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Solution Overview
Problem
Current payment systems are fragmented and insecure, leading to data compromise and identity theft during electronic transactions, as users transition to digital transactions and away from traditional forms of identification.
Innovation Solution
A computer-implemented method and apparatus for generating and verifying officially verifiable electronic representations (OVER Files) using a credential database that stores credentials with status indicators, incorporating additional information like biometrics and device identifiers for secure verification.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If users transition to digital transaction models with digital credentials, then transaction convenience and speed are improved, but security and risk of identity theft worsen
Solution Approach 1:
The system segments credentials into different types (personal, professional, educational, etc.) and organizes them in a structured database format. Each credential is divided into verifiable components that can be independently validated, allowing fast retrieval and verification while maintaining security through controlled access to specific credential elements.
Solution Approach 2:
The patent introduces an intermediary verification system that acts as a mediator between credential holders and verification systems. This intermediary layer validates credentials through cryptographic proofs and status indicators before presenting them to third parties, eliminating the need for users to directly share sensitive information while maintaining transaction speed.
2Ease of operation
If traditional forms of ID are replaced with digital credentials, then ease of operation is improved, but vulnerability to fraud and identity theft increases
Solution Approach 1:
The system performs preliminary verification actions by pre-validating credentials and issuing cryptographic proofs of authenticity before transactions occur. Status indicators are pre-computed and embedded in credential data structures, allowing verification systems to quickly confirm authenticity without performing complex real-time validation, thus preventing fraud while maintaining convenience.
Solution Approach 2:
The patent replaces physical identification mechanisms with cryptographic verification systems. Instead of relying on physical security features of traditional IDs, the system uses mathematical proofs, digital signatures, and blockchain-based verification to authenticate credentials, eliminating vulnerabilities to physical forgery while maintaining ease of digital operation.
3Reliability
If credential verification systems are made more secure with additional validation layers, then reliability is improved, but device complexity increases
Solution Approach 1:
The verification system implements partial validation by checking only the necessary credential elements required for each specific transaction type. Rather than verifying all possible credential attributes, the system performs targeted verification of relevant status indicators and cryptographic proofs, maintaining high security while reducing computational complexity and processing time.
Data Source
AI summary
In various embodiments, a computer-implemented method for generating and verifying officially verifiable electronic representations may be disclosed. The method may include storing information associated with a credential of a user for proving the user's identity or qualifications; receiving a file generation request to provide authentication of the user based on the information associated with the credential; generating a file comprising a virtual representation of the credential that has been verified by an issuing agency to be an official representation of the credential; transmitting the file; receiving a verifying request whether the file transmitted to the user authenticates the user; verifying that a NFC or Bluetooth protocol-based communication associated with the file corresponds with the credential of the user, in response to the verifying request; and transmitting an authentication message indicating whether the NFC or Bluetooth protocol-based communication corresponds to the information associated with the credential of the user.