Dynamic Authentication Scoring System for Identity Verification

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Solution Overview

Problem

Existing authentication methods are vulnerable to identity theft and fraud due to the difficulty in ensuring the security of both biometric and non-biometric identifiers, leading to significant financial losses across various industries.

Innovation Solution

A system comprising a source device and a verification unit that generates a dynamic base verification score based on identification features, feature validity ratings, and source device validity ratings, comparing it to a service authorization threshold to grant access to services.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional authentication methods (username, password, biometric identifiers) are used, then access control is implemented, but the system becomes vulnerable to identity theft and fraud

Engineering Contradiction:

Improveauthentication securityVSAvoididentity theft and fraud

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent transforms authentication from a binary accept/reject decision into a dynamic scoring system that continuously evaluates multiple parameters including identification feature reliability, source device validity, and transaction context. This parameter-based approach allows the system to adapt security thresholds based on risk levels, making it more resistant to fraud while maintaining legitimate access.

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

The authentication system transitions from static credentials to dynamic verification scores that change based on real-time conditions. The verification score is continuously updated based on the reliability of identification features, the validity of the source device, and the context of the transaction, creating a living authentication system that adapts to emerging threats.

Inventive Principle:

Principle #15Dynamics

2Measurement precision

If biometric identifiers are used for authentication, then verification accuracy is improved, but false accept and false reject errors still occur

Engineering Contradiction:

Improveverification accuracyVSAvoidfalse accept and false reject rates

Core Design Contradiction:

Measurement precisionVSReliability

Solution Approach 1:

The patent segments the authentication process into multiple independent evaluation components: identification feature extraction, feature validity rating, source device validity rating, and contextual factors. Each component is scored separately and aggregated into an overall verification score, allowing the system to identify and weigh different aspects of authentication reliability independently, thereby reducing false decisions.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The verification system combines multiple types of identification features (biometric and non-biometric) with source device validity information and contextual data to create a composite verification score. This composite approach leverages the strengths of different identification methods while compensating for their individual weaknesses, reducing both false accepts and false rejects.

Inventive Principle:

Principle #40Composite materials

3Reliability

If multiple identification features and validity ratings are evaluated, then authentication reliability is improved, but system complexity increases

Engineering Contradiction:

Improveauthentication reliabilityVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system implements feedback loops where verification scores from previous transactions inform the evaluation of subsequent authentication attempts. The source device validity rating is updated based on the device's historical behavior and performance, allowing the system to learn from past interactions and improve authentication reliability without requiring manual intervention or increasing operational complexity.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS10243960B2Source device and systems and methods of verifying an identification using dynamic scoring

Publication Date: 2019.03.26 CERTIFY GLOBAL

AI summary

A source device for systems and methods of verifying an authentication based on dynamic scoring is disclosed, wherein the source device is configured to receive at least one identification feature from a user, and to communicate the identification feature to a verification unit. The verification unit is configured to generate a base verification score associated with the user based on at least one identification input, the identification input comprising the identification feature, a feature validity rating, and a source device validity rating, to receive a request to access a service, wherein the verification unit compares the base verification score with a service authorization threshold associated with the service, and to grant access to the service when the base verification score meets the service authorization threshold.