Geolocation Tagging for Secure Transaction Authentication

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Solution Overview

Problem

Existing authentication methods, such as one-time passwords (OTPs), are susceptible to hacking and do not effectively address the need for secure and efficient authentication, especially in transactions that require a lower level of customer authentication.

Innovation Solution

The implementation of automated geolocation tagging systems that allow for the receipt of safe space locations from customer electronic devices, enabling lower-level authentication for transactions when the device is determined to be within a designated safe space location, using global positioning system (GPS) locations and electronic environment information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional OTP authentication methods are used, then authentication security is maintained, but the system becomes vulnerable to hacking and does not provide sufficient protection for high-value transactions

Engineering Contradiction:

Improveauthentication securityVSAvoidhacking vulnerability

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The authentication system is segmented into multiple layers: location-based authentication for low-risk transactions and traditional OTP authentication for high-risk transactions. This segmentation allows the system to apply appropriate security measures based on the specific transaction context, reducing overall vulnerability while maintaining security where needed.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

Different authentication requirements are applied to different locations and transaction types. Transactions occurring at designated safe locations (such as bank branches or authorized ATMs) require lower authentication levels, while transactions from unfamiliar locations require enhanced OTP verification. This local differentiation optimizes both security and user experience.

Inventive Principle:

Principle #3Local quality

2Ease of operation

If location-based authentication is implemented, then authentication efficiency and user convenience are improved, but system complexity increases due to GPS tracking and location verification mechanisms

Engineering Contradiction:

Improveauthentication convenienceVSAvoidlocation verification system

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The system performs preliminary location verification before requiring authentication. By checking whether the device is located at a designated safe location beforehand, the system can automatically approve low-risk transactions without requiring additional user input, thereby simplifying the authentication flow for legitimate users.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

A location verification service acts as an intermediary between the authentication system and the transaction processing system. This intermediary component handles the complex GPS tracking and location validation tasks, allowing the main authentication system to remain relatively simple while still benefiting from location-aware authentication.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If location verification using GPS is implemented, then transaction security is enhanced, but the accuracy and reliability of location determination may be compromised by GPS signal interference or spoofing

Engineering Contradiction:

Improvetransaction securityVSAvoidlocation determination accuracy

Core Design Contradiction:

ReliabilityVSMeasurement precision

Solution Approach 1:

The system combines multiple verification methods: GPS location data is merged with network-based location services, device fingerprinting, and behavioral analysis. This combination provides redundancy and cross-validation, making the overall location verification system more robust against GPS spoofing or signal interference while maintaining high security standards.

Inventive Principle:

Principle #5Merging (Combining)

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

This solution enhances security and efficiency by allowing lower-level authentication for transactions within trusted safe spaces, reducing the risk of unauthorized access while minimizing friction in legitimate transactions.

Implementation Method 1

The safe space computer program receives a global positioning system location for each of the safe space locations

Methodology Applied

Scientific EffectGlobal positioning system (GPS):

Data Source

PatentUS20250029103A1Systems and methods for automated geolocation tagging for location coordinates in customer profiles

Publication Date: 2025.01.23 JPMORGAN CHASE BANK NA

AI summary

Systems and methods for automated geolocation tagging for location coordinates in customer profiles are disclosed. A method may include: (1) receiving, at a safe space computer program and from a customer electronic device associated with a customer, safe space locations, wherein the safe space locations require a lower level of customer authentication than other locations; (2) receiving, by the safe space computer program and from the customer electronic device, a transaction; (3) determining, by the safe space computer program, the customer electronic device is in one of the safe space locations; and (4) authorizing, by the safe space computer program, the transaction with the lower level of customer authentication.