Group Authorization Tokens for Multi-User Interaction Verification
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Group interactions involving multiple users often require separate interactions with a resource provider, leading to inefficiencies and potential miscommunication of intent or responsibility, which can result in cumbersome and time-consuming processes.
Innovation Solution
A method involving a processing computer that generates a token for a group of user devices, transmits password portions to each device, and initiates authorization using credentials associated with the devices to facilitate a single group interaction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If each group member interacts separately with the resource provider, then individual authorization can be controlled, but the interaction process becomes cumbersome and time-consuming
Solution Approach 1:
The patent combines multiple individual authorization interactions into a single group interaction. The processing computer receives a group interaction request from one user device and then transmits authorization requests to multiple user devices simultaneously, allowing all group members to be authorized through one consolidated interaction rather than requiring separate interactions for each member.
Solution Approach 2:
The patent segments the authorization process into two phases: a group-level authorization phase where the processing computer transmits authorization requests to multiple user devices, and an individual verification phase where each user device provides credentials. This segmentation allows the system to maintain individual authorization control while reducing the overall interaction time.
2Productivity
If a single group interaction is used, then efficiency is improved, but miscommunication of intent or responsibility may occur
Solution Approach 1:
The patent implements feedback mechanisms where each user device receives a unique identifier and credentials from the processing computer, and then transmits these back to the resource provider. The processing computer receives confirmation from each user device and can verify their intent and responsibility. This feedback loop ensures that each member's intent is clearly communicated and recorded, preventing miscommunication while maintaining high efficiency.
3Reliability
If multiple separate interactions are required for group members, then individual responsibility can be verified, but the process becomes complex
Solution Approach 1:
The processing computer acts as an intermediary between the user devices and the resource provider. It receives group interaction requests from user devices, transmits authorization requests to multiple user devices simultaneously, collects their responses, and then communicates with the resource provider. This intermediary role simplifies the overall process complexity by centralizing the coordination function while maintaining the ability to verify individual responsibilities through unique identifiers and credentials.
Data Source
AI summary
A method is disclosed. The method includes processing a group interaction request for an interaction involving a group. Better assurance for the interaction is provided by providing a one-time password that has a number of portions that are sent to a plurality of user devices. The portions are received and one user device may concatenate the portions to form the one-time password. It may then be entered to authenticate the interaction. Other examples include the use of an authorization request message that is authorized for an initial value. Later, separate authorization request messages with different credentials may be transmitted for different users in the group.