Cross-Account Access Token Validation for Network Operations

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Solution Overview

Problem

Existing systems face difficulties in transferring access tokens between different primary accounts due to compatibility issues and the lack of a method to determine if migration is possible without additional contextual information, leading to security risks and user inconvenience.

Innovation Solution

A system that retrieves and compares parameters of user accounts to determine compatibility, using machine learning models to validate access token migrations based on transfer rules, ensuring seamless transitions and security by allowing or blocking migrations as necessary.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If access tokens are made portable between different primary accounts, then user experience and convenience are improved, but security risks increase due to potential misuse or nonaligned usage

Engineering Contradiction:
Improveaccess token portabilityVSAvoidaccount security
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent introduces a validation mechanism as an intermediary between the access token and the new primary account. This mechanism checks compatibility criteria (account type matching, expiration date validation, user ownership verification) before allowing token migration, thereby enabling portability while maintaining security through controlled validation

Inventive Principle:
Principle #24Intermediary (Mediator)

2Ease of operation

If access token migration is allowed without validation, then user convenience is improved, but compatibility issues arise between different account types

Engineering Contradiction:
Improvemigration simplicityVSAvoidaccount type compatibility
Core Design Contradiction:
Ease of operationVSAdaptability or versatility

Solution Approach 1:

The patent performs preliminary validation checks before executing the access token migration. The system retrieves and compares parameters of both source and destination accounts, validates compatibility criteria in advance, and only then permits migration, ensuring both simplicity and compatibility

Inventive Principle:
Principle #10Preliminary action

3Reliability

If additional contextual information is required to determine migration compatibility, then security is improved, but system complexity increases

Engineering Contradiction:
Improvemigration validation accuracyVSAvoidvalidation system complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent validates migration compatibility by comparing specific parameters between accounts (account type, expiration date, user identifier) against defined compatibility criteria. This parameter-based validation approach provides accurate security checks while maintaining manageable system complexity through structured comparison

Inventive Principle:
Principle #35Parameter changes

Data Source

PatentUS12445447B2Systems and methods for validating network operations between user accounts through access tokens
Publication Date: 2025.10.14 CAPITAL ONE SERVICES LLC
  • US12445447B2 patent drawing
  • US12445447B2 patent drawing
  • US12445447B2 patent drawing

AI summary

Methods and systems are described herein for moving access tokens for validating network operations between user accounts to prevent malicious or nonaligned usage. The system may determine that a user is associated with a first user account and a second user account, retrieve parameters associated with the first and second user accounts, determine that an access token is available for migration, update a binding associated with the access token from the first to the second user account, and, in response to receiving a network operation request, may process the request using the second user account.