Dynamic Authentication Step Reduction via Digital Fingerprinting

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Solution Overview

Problem

Current systems face challenges in dynamically reducing the number of authentication steps required for mobile devices to execute high-risk activities, particularly during unsuspected incoming interactions, which increases the risk of security breaches and personal information extraction.

Innovation Solution

A computer-based method that involves instructing a mobile device to monitor calling-related activities, generate a digital fingerprint, and utilize a dynamic rules engine and machine learning algorithms to authenticate sessions and dynamically adjust authentication steps based on confidence thresholds.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If multiple authentication steps are required for mobile devices to execute high-risk activities, then security is improved, but user convenience and operational efficiency deteriorate

Engineering Contradiction:
ImprovesecurityVSAvoiduser convenience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system dynamically adjusts the number of authentication steps based on real-time risk assessment. The authentication requirements are not fixed but adapt continuously based on device behavior, location, and activity context, allowing the system to reduce steps for trusted devices while maintaining security for suspicious activities.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes authentication parameters (number of steps, type of verification) based on calculated risk levels. By modifying these parameters dynamically according to the assessed risk level, the system optimizes the balance between security and user convenience for each specific authentication scenario.

Inventive Principle:
Principle #35Parameter changes

2Measurement precision

If real-time monitoring of calling-related activities is implemented, then authentication accuracy is improved, but system complexity and resource consumption increase

Engineering Contradiction:
Improveauthentication accuracyVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The system performs preliminary monitoring and analysis of calling-related activities to establish baseline device behavior patterns before authentication events occur. This advance preparation enables more accurate risk assessment during actual authentication without requiring complex real-time processing at the moment of verification.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system introduces an intermediary analysis layer that processes monitoring data separately from the main authentication flow. This intermediary layer aggregates and analyzes calling activities, device attributes, and behavioral patterns, then provides simplified risk assessments to the authentication system, reducing overall system complexity.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Ease of operation

If dynamic adjustment of authentication steps is implemented, then user experience is improved, but system response time increases

Engineering Contradiction:
Improveuser experienceVSAvoidsystem response time
Core Design Contradiction:
Ease of operationVSSpeed

Solution Approach 1:

The system performs preliminary risk assessment and authentication step determination before the actual authentication event occurs. By pre-calculating the appropriate number of steps based on device trust levels and activity context, the system avoids delays during the authentication process itself while still providing personalized user experiences.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20240396998A1Computer-based systems configured to dynamically reduce a plurality of subsequent authentication steps required to execute security action(s) and methods of use thereof
Publication Date: 2024.11.28 CAPITAL ONE SERVICES LLC
  • US20240396998A1 patent drawing
  • US20240396998A1 patent drawing
  • US20240396998A1 patent drawing

AI summary

In some embodiments, the present disclosure provides an exemplary method that may include steps instructing a permission from the user to monitor a plurality of activities; instructing the mobile device to continually monitor the plurality of activities; identifying a digital fingerprint associated with the mobile device; automatically instructing an application of the mobile device to execute a plurality of operations in the background of the mobile device; utilizing a digital network to transmit a digital signal encoding the plurality of device attributes; utilizing a dynamic rules engine to determine a presence of the digital fingerprint within a database of known digital fingerprints; identifying an incoming interaction session being initiated with the mobile device within the period of time; automatically authenticating a parameter to identify an authenticated interaction session; and dynamically reducing subsequent authentication steps required for the mobile device to execute a activity.