Fraud Prevention via Intermediary Network Linking
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Solution Overview
Problem
Performing secure and fraud-resilient data transactions across disparate computing networks is challenging due to the fragmentation of data across multiple networks, requiring a solution that can integrate and secure data from multiple parties.
Innovation Solution
A system that links local and remote profile information across computer networks using generated messages to prevent fraud, with a remote computer network acting as an intermediary to facilitate secure data transactions by assigning local and remote identifications and utilizing a multistep confirmation process involving different user roles.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If data transactions are performed across multiple disparate computer networks, then data transaction capability is improved, but security and fraud prevention become more challenging
Solution Approach 1:
The patent introduces a remote computer network as an intermediary between local computer networks. This intermediary network handles authentication, authorization, and transaction coordination across disparate networks, thereby enabling data transaction capability while maintaining security through centralized control. The intermediary abstracts the complexity of direct peer-to-peer connections between different networks.
Solution Approach 2:
The patent segments the authentication and authorization functions from the transaction processing functions. By separating these concerns and handling them through distinct protocols and message flows, the system improves security without compromising transaction capability across multiple networks.
2Reliability
If remote profile information is transferred to local network, then transaction security is improved, but data transfer complexity increases
Solution Approach 1:
The patent performs authentication and authorization actions before the actual data transfer. By establishing secure channels and validating identities in advance through the intermediary network, the system ensures transaction security without complicating the subsequent data transfer process.
Solution Approach 2:
The patent creates copies of profile information and authentication tokens that can be validated locally without transferring sensitive data. This allows security checks to be performed without moving actual personal data across networks, reducing transfer complexity.
3Reliability
If multiple messages are generated to different users, then fraud prevention is improved, but processing time increases
Solution Approach 1:
The patent implements feedback mechanisms where users receive messages and provide confirmation or authorization. This feedback loop enables fraud prevention through multi-factor authentication while the system optimizes processing time by only initiating full verification sequences when necessary.
Solution Approach 2:
The patent applies partial authentication actions for low-risk transactions and full multi-message verification only for high-risk transactions. This selective approach prevents fraud where needed while minimizing processing time for routine transactions.
Data Source
AI summary
In one embodiment, a local computer network includes profile information local identifications for multiple organizations. Remote profile information is stored on a remote computer network and transferred to the local network to perform secure transactions with other computer networks. Embodiments of the disclosure include linking remote and local identifications. In another embodiment, remote and local identifications are linked by generated multiple messages to different users in different roles to prevent fraud, for example.