Dynamic Authentication Using User Intent for Adaptive Transaction Security
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Solution Overview
Problem
Existing authentication processes for transactions require users to provide extensive information, leading to a cumbersome experience and conflicting with user preferences for minimal interaction, especially in large purchases, creating a less desirable purchasing experience.
Innovation Solution
A system that dynamically authenticates users based on merchant confidence in identity, using user intent and information indicators such as biometrics, GPS location, and network connections to determine a confidence rating, adjusting authentication requirements accordingly.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the merchant requires extensive user information and verification to protect against fraud, then transaction security is improved, but the authentication process becomes cumbersome and time-consuming
Solution Approach 1:
The patent implements dynamic authentication that adapts the verification process based on real-time confidence scoring. The system continuously updates the confidence score using multiple data sources (device information, transaction patterns, user behavior) and dynamically adjusts the authentication requirements. When confidence is high, authentication is minimized or eliminated; when confidence is low, additional verification steps are triggered. This dynamic approach resolves the contradiction by making security adaptive rather than static.
Solution Approach 2:
The system changes the parameter of authentication strictness based on the calculated confidence score. Instead of applying a fixed authentication protocol, the system adjusts verification requirements as a variable parameter. The confidence score itself becomes a controlling parameter that determines the level of authentication needed, allowing the system to maintain security while reducing friction for trusted users.
2Reliability
If the merchant requires extensive user information and verification, then fraud prevention is improved, but user experience deteriorates
Solution Approach 1:
The system performs automatic fraud assessment and confidence scoring without requiring active user participation in the verification process. The merchant server autonomously collects device information, analyzes transaction patterns, and determines authentication requirements. Users simply need to provide basic information, and the system handles the complex security verification in the background, improving ease of operation while maintaining fraud prevention.
Solution Approach 2:
The patent introduces a confidence scoring system as an intermediary between the user and the merchant's security requirements. Rather than directly imposing strict verification on users, the system uses the confidence score as a mediator to determine appropriate authentication levels. This intermediary layer translates security needs into adaptive verification requirements, smoothing the user experience while maintaining security standards.
3Ease of operation
If the merchant streamlines the authentication process to improve user experience, then ease of operation is improved, but transaction security may be compromised
Solution Approach 1:
The system performs preliminary fraud assessment and confidence scoring before the actual transaction occurs. By evaluating device information, user patterns, and transaction details in advance, the system determines the appropriate authentication level beforehand. This preliminary action allows streamlined checkout for low-risk transactions while maintaining security for potentially fraudulent attempts, resolving the contradiction between speed and security.
Solution Approach 2:
The system implements continuous feedback loops where transaction outcomes and user behavior are fed back into the confidence scoring model. This feedback mechanism allows the system to learn from past transactions and improve its fraud detection accuracy over time. The feedback ensures that streamlined authentication processes are maintained only when confidence is validated by historical data, preventing security compromise.
Data Source
AI summary
There are provided systems and methods for dynamic authentication through user information and intent. A user may wish to purchase an item that they view on a merchant marketplace using a computer of mobile phone. The merchant for the merchant marketplace may register the user's intent to purchase the item by receiving the user's actions while browsing the marketplace. The user may further provide user information with the merchant, such as a biometric reading, identifier, or other information. When the user then arrives at a merchant location to purchase the item and complete a transaction using a payment instrument, the merchant may process the user's intent and information to determine how confident the merchant is that the user is entitled to utilize the payment method. Such confidence rating may correspond to whether the merchant believes the transaction is fraudulent or if the user is misrepresenting their identity.