Delegate Verification Using Mobile ID and Cryptographic Authority Checks

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Solution Overview

Problem

Delegations of authority are often informal and difficult to verify, leading to potential breaches in confidentiality, financial loss, and reputational damage due to the inability to authenticate purported delegates securely and efficiently.

Innovation Solution

A centralized system utilizing mobile driver's licenses (mDLs) to securely memorialize and verify delegations of authority by leveraging authentication protocols and cryptographic information for real-time verification.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If written documentation is used to verify delegation of authority, then verification capability is improved, but time consumption increases and complexity increases

Engineering Contradiction:

Improveverification capabilityVSAvoidtime consumption

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent uses digital copies of delegation documents stored on a blockchain ledger instead of physical written documentation. The blockchain stores cryptographic hashes and metadata of delegations, allowing verification without requiring physical documents to be presented and manually checked, thus reducing time consumption while maintaining verification capability.

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent replaces manual document verification processes with automated digital verification systems. The verification entity can query the blockchain system to automatically verify delegation authenticity through cryptographic validation, eliminating the need for manual document inspection and reducing time consumption.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If written documentation is used to verify delegation of authority, then verification capability is improved, but device complexity increases

Engineering Contradiction:

Improveverification capabilityVSAvoidcomplexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces a blockchain-based verification system as an intermediary between the delegating party and the verification entity. This intermediary system handles the complex cryptographic verification processes, allowing the verification entity to simply query the blockchain without needing to implement complex verification mechanisms themselves.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The blockchain system serves multiple functions: it stores delegation records, provides cryptographic verification, ensures immutability, and enables automated validation. This multi-functionality consolidates what would otherwise require multiple separate systems into a single unified platform, reducing overall complexity.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Loss of time

If oral delegation is used, then time consumption is reduced, but verification capability deteriorates

Engineering Contradiction:

Improvetime consumptionVSAvoidverification capability

Core Design Contradiction:

Loss of timeVSReliability

Solution Approach 1:

The patent enables preliminary registration of delegation details on the blockchain before the actual delegation occurs. The delegating party can pre-submit delegation parameters (delegatee identity, authorized actions, duration) to the blockchain system, which then generates and stores the delegation record. This allows for rapid verification later without requiring time-consuming document preparation at the moment of delegation.

Inventive Principle:

Principle #10Preliminary action

4Reliability

If traditional document analysis techniques are used, then verification capability is improved, but measurement precision deteriorates

Engineering Contradiction:

Improveverification capabilityVSAvoiddetection accuracy

Core Design Contradiction:

ReliabilityVSMeasurement precision

Solution Approach 1:

The patent changes the verification parameters from manual document analysis to automated cryptographic validation. Instead of relying on human analysts to detect forgery through visual inspection, the system uses cryptographic hash verification and digital signatures to precisely determine document authenticity, significantly improving detection accuracy.

Inventive Principle:

Principle #35Parameter changes

Data Source

PatentUS20260024031A1Systems and methods for verifying a delegate

Publication Date: 2026.01.22 WELLS FARGO BANK NA

AI summary

Systems, apparatuses, methods, and computer program products are disclosed for verifying a delegate. An example method includes receiving an authority delegation request from a first user device associated with a first user and determining, based on a delegation parameter set, a delegated action. The example method further includes storing the delegated action in a user authority delegation profile associated with the first user and receiving an authority verification request from a second user device associated with a second user. The example method further includes determining an authority verification result and causing transmission of an indication of the authority verification result to the second user device.