Electronic Cipher Device for Secure Remote Identity Authentication

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Solution Overview

Problem

Current remote account opening methods face challenges in ensuring the authenticity of user identities, particularly in scenarios where users cannot physically visit bank branches, leading to security concerns and inconvenience.

Innovation Solution

A remote authentication system utilizing an electronic cipher device that generates and displays a graphic identification code, combined with facial image capture and validation by a terminal and background server, ensures secure user identity verification through a graphic identification code and facial image validation process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If users open accounts remotely without visiting physical counters, then convenience and accessibility are improved, but security and identity verification reliability deteriorate

Engineering Contradiction:

Improveaccount opening convenienceVSAvoididentity verification security

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent introduces an electronic cipher device as an intermediary between the user and the bank system. This device generates and displays graphic identification codes that serve as a mediator for secure identity verification, allowing remote authentication while maintaining security through cryptographic mechanisms.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical system of physical counter visits with an electronic-based authentication system. Instead of requiring users to physically present themselves at bank branches, the system uses electronic graphic identification codes displayed on devices, substituting physical interaction with digital verification mechanisms.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If traditional physical counter authentication is used, then identity verification reliability is improved, but user convenience and accessibility deteriorate

Engineering Contradiction:

Improveidentity verification securityVSAvoidaccount opening time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary authentication actions through the electronic cipher device before the actual account opening process. The graphic identification code is generated and verified in advance, allowing the subsequent account opening to proceed quickly without requiring time-consuming physical counter visits.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent substitutes the time-consuming mechanical process of physical counter visits with rapid electronic verification. The graphic identification code system enables instant authentication compared to traditional in-person verification, significantly reducing the time required for account opening while maintaining security.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Device complexity

If remote authentication without additional verification methods is used, then system simplicity is improved, but security against unauthorized access deteriorates

Engineering Contradiction:

Improveauthentication system complexityVSAvoidunauthorized access risk

Core Design Contradiction:

Device complexityVSObject-affected harmful factors

Solution Approach 1:

The patent segments the authentication process into distinct components: the electronic cipher device that generates graphic identification codes, the terminal that captures and transmits data, and the background server that validates information. This segmentation allows each component to perform its specific function securely while maintaining overall system simplicity.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The electronic cipher device acts as a security intermediary that introduces graphic identification codes into the authentication process. This intermediary mechanism adds a layer of security against unauthorized access without significantly complicating the user experience, as the code generation and verification are handled automatically by the system.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS10606997B2Remote identity authentication method and system and remote account opening method and system

Publication Date: 2020.03.31 TENDYRON CORP

AI summary

Provided in the present application are a remote authentication method and system and a remote account opening method and system. The remote authentication method includes: by an electronic cipher device, acquiring information to be validated, generating and displaying a graphic identification code on the basis of the information to be validated; by a terminal, acquiring a picture including a facial image of a user and the graphic identification code displayed on the electronic cipher device and transmitting the picture to a background server; and by the background server, receiving the picture and validating the graphic identification code and the facial image of the user provided on the picture.