Dynamic Authentication System Using Time-Varying User Data

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Solution Overview

Problem

The increasing frequency of online interactions poses challenges in user validation, as existing authentication methods are often insecure and inefficient, making it difficult to confidently authenticate users, especially in digital environments.

Innovation Solution

Implementing a dynamic authentication system that uses time-changing user information, such as content consumption, environment, transaction, or technology usage, as a single or multi-factor authentication method, which is difficult for misappropriators to access, and can be tailored to different interaction levels based on the type, resources, and parties involved.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional authentication methods are used, then the authentication process is simple, but the security and reliability of user validation deteriorates

Engineering Contradiction:
Improveuser validation securityVSAvoidauthentication system complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent implements dynamic authentication factors that change over time, such as time-of-day based authentication, location-based authentication, and device-state based authentication. This dynamic approach replaces static authentication methods, continuously adapting authentication requirements based on current context to maintain high security without requiring overly complex systems.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes authentication parameters dynamically based on risk assessment, user behavior patterns, and interaction context. Authentication factors such as required verification strength, acceptable time windows, and location constraints are adjusted as parameters change, allowing the system to maintain reliability while managing complexity through adaptive parameter tuning.

Inventive Principle:
Principle #35Parameter changes

2Reliability

If dynamic authentication information is used, then the security of user validation is improved, but the complexity of the authentication process increases

Engineering Contradiction:
Improveauthentication securityVSAvoidauthentication process simplicity
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system automatically collects and evaluates dynamic authentication factors such as user behavior patterns, device information, and interaction context without requiring manual user input. This self-service approach maintains security through comprehensive dynamic verification while keeping the user experience simple, as the system handles the complexity of gathering and processing authentication data autonomously.

Inventive Principle:
Principle #25Self-service

3Measurement precision

If multiple authentication factors are required, then the accuracy of user validation is improved, but the time required for authentication increases

Engineering Contradiction:
Improveuser validation accuracyVSAvoidauthentication time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system applies a risk-based approach where the number of authentication factors required is adjusted based on the assessed risk level of each interaction. For low-risk interactions, fewer authentication factors are applied, while high-risk interactions trigger more comprehensive multi-factor verification. This partial action strategy maintains validation accuracy for critical operations while minimizing authentication time for routine interactions.

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS10812460B2Validation system utilizing dynamic authentication
Publication Date: 2020.10.20 BANK OF AMERICA CORP
  • US10812460B2 patent drawing
  • US10812460B2 patent drawing
  • US10812460B2 patent drawing

AI summary

Embodiments are described herein for improved verification utilizing dynamic authentication information. Dynamic authentication may include utilizing dynamic authentication information, which is user information that is personal to the user and that changes over-time, such as over various time periods. This type of dynamic authentic information is readily known to the user, but would be difficult for others to determine. The present invention may be utilized to improve the security of the interactions made by the user due to the dynamic authentication information.