CSR Authentication Module for Consumer Interface Access

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Solution Overview

Problem

Customer service representatives (CSRs) face limitations in assisting cardholders with loyalty program management, as existing systems do not provide full access to the consumer interface, restricting their ability to perform operations available to cardholders and lacking the capability to record or track loyalty data.

Innovation Solution

A method and system that allows CSRs to cross-authenticate into the cardholder's consumer experience using an authentication module, enabling them to access and manage loyalty rewards as the cardholder, thereby overcoming the limitations of the CSR application.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If the CSS application provides access to loyalty program data, then the CSR can view customer loyalty information, but the CSR cannot access the consumer interface tools and features available to cardholders

Engineering Contradiction:
ImproveCSR access to consumer interfaceVSAvoidsystem architecture
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The authentication module enables the CSR application to perform multiple functions by allowing CSRs to access both the CSS application and the consumer interface through a unified authentication mechanism. The module stores and manages customer credentials, enabling the CSR to authenticate as the customer and access consumer-facing features directly from the CSR application interface.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The authentication module acts as an intermediary between the CSR application and the consumer interface. It stores customer authentication credentials and enables the CSR application to authenticate as the customer when accessing the consumer interface, thereby mediating the interaction between the CSR system and the consumer system without requiring separate direct access mechanisms.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If the CSS application has limited access to loyalty data, then system security is maintained, but the CSR cannot record or track customer requests and transactions

Engineering Contradiction:
Improvetransaction recording capabilityVSAvoidsecurity risk
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The authentication module serves as a secure intermediary that enables transaction recording without compromising security. It authenticates the CSR as the customer when accessing the consumer interface, ensuring that all actions taken through this mechanism are properly attributed and recorded. The module manages credential storage and authentication processes securely, allowing reliable transaction tracking while maintaining appropriate security controls.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system provides feedback mechanisms by recording and tracking all CSR-initiated actions taken through the consumer interface. The authentication module enables the system to log which CSR accessed which customer account and what operations were performed, creating an audit trail that provides feedback for monitoring and accountability while maintaining security through proper authentication protocols.

Inventive Principle:
Principle #23Feedback

3Adaptability or versatility

If the CSR application accesses the consumer interface, then the CSR can perform operations available to cardholders, but additional authentication and credential management infrastructure is required

Engineering Contradiction:
ImproveCSR operational capabilityVSAvoidauthentication infrastructure
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The authentication module provides multi-functionality by serving both as a credential storage system and as an authentication mechanism for cross-access between the CSR application and consumer interface. It enables the CSR to authenticate as the customer, perform consumer operations, and maintain security all through a single integrated component, thereby reducing the need for multiple separate systems.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent merges the authentication credential storage and management functionality into the authentication module that is already part of the CSR application architecture. By combining credential storage, authentication processing, and interface access control into a single module, the system reduces overall infrastructure complexity while enabling expanded CSR capabilities.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS11038864B2Systems and methods for customer service access to a consumer interface system
Publication Date: 2021.06.15 MASTERCARD INT INC
  • US11038864B2 patent drawing
  • US11038864B2 patent drawing
  • US11038864B2 patent drawing

AI summary

A computer-based method for providing a customer service representative (CSR) access to an interface system uses a computing device including a processor and a memory. The method includes receiving, by the processor, an authentication request including a CSR identifier associated with the CSR. The method also includes identifying, in the memory, a customer identifier using at least the CSR identifier. The method further includes transmitting an authentication response in response to the authentication request. The authentication response includes at least the customer identifier.