Custom Visual Code Authentication for Faster Secure Transactions

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Current multi-factor authentication systems introduce friction and inconvenience for users, particularly in transactional applications, as they require multiple steps such as entering credentials and waiting for alphanumeric codes, reducing the likelihood of users completing transactions.

Innovation Solution

A method using a custom visual code generated based on encrypted biometric and user identification information, which is scanned by an authenticating device to authenticate user identity, reducing the need for additional user actions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If multi-factor authentication is implemented using traditional methods (username, password, and alphanumeric code), then security against hackers is improved, but user experience friction increases and transaction completion rate decreases

Engineering Contradiction:

ImprovesecurityVSAvoiduser experience friction

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces the mechanical interaction of manually entering alphanumeric codes with an optical system where a visual code is automatically generated and scanned by the user's device camera. This substitution eliminates the manual typing step while maintaining the multi-factor authentication security model, thereby reducing user friction without compromising security.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent creates a visual copy (graphical representation) of the authentication credentials instead of using traditional alphanumeric text. This visual code serves as a copy of the authentication data that can be rapidly captured via camera scan, replacing the need for manual entry and reducing the time and effort required for authentication while preserving security through the same underlying cryptographic mechanisms.

Inventive Principle:

Principle #26Copying

2Reliability

If multiple authentication steps are required (entering credentials and waiting for codes), then security verification is improved, but transaction speed and efficiency deteriorate

Engineering Contradiction:

Improveauthentication verificationVSAvoidtransaction speed

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The system performs preliminary actions by pre-generating and displaying the visual code on the user's device screen before the authentication verification is complete. The visual code is created in advance based on the authentication credentials, allowing the scanning process to begin immediately without waiting for sequential code generation and manual entry, thereby accelerating the overall authentication process while maintaining verification security.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent replaces the sequential mechanical process of credential entry followed by code waiting with a parallel optical process. The visual code is generated and displayed simultaneously with the authentication verification process, and the user can immediately scan it without manual intervention, eliminating the sequential delay and improving transaction speed while preserving authentication reliability.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Reliability

If users must manually enter authentication codes from third-party applications, then security validation is improved, but operational complexity increases

Engineering Contradiction:

Improvesecurity validationVSAvoidauthentication process complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent merges the visual code generation and display functions directly into the user's authentication application interface. Instead of requiring separate third-party applications to generate codes that must then be manually transferred, the visual code is generated and displayed within the same application context, consolidating multiple steps into a unified flow that maintains security validation while reducing operational complexity.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The patent replaces the complex mechanical process of switching between applications, copying codes, and pasting them with a unified optical scanning system. The visual code is generated within the authentication application and scanned directly by the device camera, eliminating the need for manual code transcription and reducing the overall complexity of the authentication process while maintaining security validation through the same cryptographic principles.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS20260005863A1Systems and methods of identity authentication using a custom visual code

Publication Date: 2026.01.01 WELLS FARGO BANK NA

AI summary

Systems and methods for authenticating user identity using custom visual code is disclosed. One disclosed method includes determining user identification information based on received biometric data; generating a temporary one-time password; encrypting the user identification information and the temporary one-time password; and generating a visual code based in part on the encrypted temporary one-time password and user identification information. The method may further include generating a prompt requesting a passcode or biometric data when a user device is within a predetermined threshold range of an authenticating device.