Disability-Aware Authentication Message Formatting for Financial Transactions
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Solution Overview
Problem
Existing financial transaction systems pose challenges for consumers with disabilities, such as dyslexia or poor eyesight, as they struggle to interpret conventional authentication codes, compromising security and accessibility.
Innovation Solution
An authentication system that formats authentication messages differently based on a consumer's disability status, using enlarged text, sequential character display, or audio for disabled consumers, and standard text for non-disabled consumers, ensuring accessibility and security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If standard text authentication codes are used, then security is maintained through multi-factor authorization, but consumers with disabilities cannot interpret the codes
Solution Approach 1:
The patent applies local quality by providing different authentication code formats tailored to specific user needs. The system detects whether a consumer has disabilities and serves customized formats (audio, enlarged text, spaced characters) to specific individuals rather than using a uniform format for all users, thereby maintaining security while improving accessibility for disabled consumers.
Solution Approach 2:
The patent changes the parameters of authentication codes based on user characteristics. It modifies text size, character spacing, presentation format (audio vs. visual), and delivery method according to the consumer's disability status. This allows the same authentication function to be performed through different parameter configurations that accommodate various disability types.
2Ease of operation
If authentication codes are made larger and more spaced out, then disabled consumers can read them easier, but the system complexity increases
Solution Approach 1:
The patent implements self-service by automatically detecting consumer disabilities and serving appropriate authentication code formats without requiring manual intervention. The system autonomously determines which format to use based on stored disability information, eliminating the need for consumers to request accommodations or for merchants to manually adjust formats.
Solution Approach 2:
The patent creates a universal authentication system that handles multiple disability types through a single integrated approach. The system serves multiple functions by detecting various disability conditions (visual, cognitive, hearing) and automatically providing appropriate format variations, rather than requiring separate systems for each disability type.
Data Source
AI summary
An authentication system for financial transactions is disclosed. For non-disabled consumers, the authentication system sends authentication messages that have been formatted using a standard format that is easy for non-disabled consumers to interpret but which is more difficult for disabled consumers to accurately interpret. The authentication system assists disabled consumers by sending authentication messages to disabled consumers in a non-standard format that is easier to interpret than standard authentication messages.