Dynamic User Authentication Based on Self-Selected Preferences

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Solution Overview

Problem

Conventional authentication systems for financial services require multi-step processes, which can be inconvenient for frequent users and do not allow for personalized authentication preferences, leading to user dissatisfaction.

Innovation Solution

A system that allows users to select their preferred level of authentication based on self-defined preferences, such as authentication types, geographic location, and time duration, enabling the system to determine the necessary authentication credentials and validate them for secure access to financial application functions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If multi-step authentication is required, then security is improved, but user convenience deteriorates

Engineering Contradiction:

ImprovesecurityVSAvoiduser convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The authentication process is made dynamic by allowing users to select their preferred authentication level (e.g., password-only, two-factor, biometric) based on the specific action being performed and their risk tolerance. The system adapts the authentication requirements from static to dynamic, resolving the contradiction between security and convenience.

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

Different authentication levels are applied to different actions or contexts within the system. High-risk actions require stronger authentication while low-risk actions use simpler methods. This local differentiation allows the system to maintain security where needed while providing convenience where appropriate.

Inventive Principle:

Principle #3Local quality

2Device complexity

If standardized authentication process is used, then system simplicity is improved, but user personalization deteriorates

Engineering Contradiction:

Improvesystem simplicityVSAvoiduser personalization

Core Design Contradiction:

Device complexityVSAdaptability or versatility

Solution Approach 1:

The authentication system is segmented into multiple discrete authentication levels or types (e.g., knowledge-based, possession-based, inherence-based). Users can select which segments to combine based on their preferences, allowing personalization without requiring a completely custom authentication system for each user.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system provides a universal authentication framework that supports multiple authentication methods and allows users to configure their preferred combinations. This multi-functional approach enables personalization while maintaining system simplicity through a unified architecture.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS9391976B2User authentication based on self-selected preferences

Publication Date: 2016.07.12 BANK OF AMERICA CORP

AI summary

Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences. The system typically including a memory, a processor, and a module configured to receive a request to execute a user action from a user associated with an application, wherein the user action requires one or more authentication credentials; receive one or more authentication credentials from the user based on a user-selected preference; validate the one or more authentication credentials based on the user-selected preference; and execute the user action based on a successful validation of the one or more authentication credentials