Digital Security Score Aggregation for Online Risk Assessment
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Solution Overview
Problem
The Internet poses a high risk of intrusion and fraud due to its insecure nature, necessitating a method to assess and enhance online security for users.
Innovation Solution
A computer-implemented method generates a digital security score based on user information, comprising sub-scores for transaction history, monitoring and logging, personal profile setup, and banking profile, which are weighted and aggregated to provide a comprehensive measure of online security, with suggested actions to improve security scores.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If a comprehensive digital security score system is implemented to assess online security, then the measurement precision of security assessment is improved, but the device complexity of the system increases
Solution Approach 1:
The security assessment system is divided into multiple independent sub-scores (transaction history score, monitoring and logging score, personal profile setup score, banking profile score), each evaluating specific security attributes separately before being aggregated into a comprehensive digital security score
Solution Approach 2:
The system collects and analyzes multiple types of user information (transaction data, profile data, monitoring logs, banking interactions) through a unified digital security score framework that serves as a universal measure across different security dimensions
2Measurement precision
If multiple weighted sub-scores are calculated and aggregated to generate the digital security score, then the measurement precision is improved, but the loss of time increases
Solution Approach 1:
The system pre-establishes weightings for different sub-scores and pre-defines the aggregation methodology, allowing the digital security score to be calculated efficiently by simply combining pre-weighted components rather than performing complex real-time analysis
Data Source
AI summary
A computer-implemented method includes retrieving, by one or more processing devices and from one or more data repositories, user information; generating, based on the retrieved user information, a digital personal profile that is a composite of a set of pre-defined attributes; determining an aggregate strength of values of the set of pre-defined attributes in the digital personal profile; and generating, based on the determined aggregate strength, a digital security score that measures a level of online security of accessing resources over a computer network.