Digital Identity Authentication via Pre-established Trust
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Solution Overview
Problem
Current methods for user identification in banking applications are time-consuming and less secure, requiring frequent verification processes such as biometric authentication or password entry, which can be cumbersome and inefficient.
Innovation Solution
A system and method that utilizes a mobile computing device to activate a bank application and a digital identification service provider application, allowing the bank application to access user accounts after receiving accurate authentication information from the user, thereby providing a quicker and more secure digital identification process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods (biometric recognition, password entry) are used, then user identity can be verified, but the process becomes time-consuming and cumbersome
Solution Approach 1:
The system performs preliminary actions by pre-establishing trusted relationships between the bank application and digital identification service provider applications. The bank application proactively scans for and stores credentials of trusted identification providers, so that when authentication is needed, the verification can proceed immediately using pre-established trust relationships, eliminating the need for time-consuming real-time verification setup
Solution Approach 2:
The patent introduces an intermediary mechanism through the operating system's credential storage and retrieval system. The bank application interacts with the operating system's secure credential storage, which in turn communicates with digital identification service provider applications. This intermediary layer streamlines the authentication process by providing a standardized, secure interface that reduces verification time while maintaining security protocols
2Reliability
If frequent authentication verification is performed, then security is maintained, but user convenience and operational efficiency decrease
Solution Approach 1:
The system implements self-service by enabling the bank application to automatically scan for, identify, and establish connections with trusted digital identification service provider applications without requiring user intervention. The operating system's credential management system automatically handles the authentication verification process, allowing users to access their accounts conveniently while security protocols are executed autonomously in the background
Solution Approach 2:
The patent merges the authentication verification process with the existing operating system credential management infrastructure. By combining the bank application's authentication needs with the operating system's built-in secure credential storage and retrieval capabilities, the system maintains security protocols while eliminating redundant verification steps, thereby improving user convenience without compromising security
3Reliability
If proof of identity is required for each transaction, then security is enhanced, but the process becomes inefficient and time-consuming
Solution Approach 1:
The system performs preliminary actions by pre-establishing trusted relationships and storing credentials of digital identification service provider applications before transactions occur. The bank application proactively scans for and caches authentication credentials, so that during transactions, the verification process can proceed rapidly using pre-validated trust relationships, maintaining security while dramatically improving transaction efficiency
Solution Approach 2:
The patent enables continuity of useful action by maintaining persistent trusted relationships between the bank application and digital identification service provider applications. Once authentication credentials are established and stored in the operating system's secure credential storage, they remain valid for multiple transactions, allowing continuous efficient access without requiring repeated full verification cycles, thus maintaining security while enhancing productivity
Data Source
AI summary
A system and method for providing proof of a digital identification of a user which may include activating, on a mobile computing device, a bank application and a digital identification service provider application, and which may allow the bank application to have access to user accounts after the bank application receives a digital identification from the digital identification service provider application in order to provide proof of identify with speed and security.