Identity Verification via Incomplete Data Completion and Voice IVR
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Solution Overview
Problem
Current identity verification methods over networks, such as the Internet, are inadequate as they rely heavily on passwords and question-and-answer processes, which can be insecure and inconvenient, especially when passwords are forgotten or when insufficient information is available for authentication.
Innovation Solution
A system and method that provides an alternative authentication process using a user's device, where incomplete confidential data is presented to the user for completion, involving a telephonic device for final verification through an interactive voice response system, ensuring secure and quick access to confidential information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional password-based authentication is used, then the verification process is simple to implement, but security is compromised when passwords are forgotten or stolen
Solution Approach 1:
The patent introduces an interactive voice response system as an intermediary authentication method. Instead of directly relying on passwords, the system uses voice-activated phone calls to verify user identity. The IVR system acts as a mediator between the user and the authentication system, providing a more secure alternative that doesn't depend on traditional password memory while maintaining ease of use through voice commands.
2Reliability
If question-and-answer authentication is used, then alternative verification is provided, but the process becomes time-consuming and complex
Solution Approach 1:
The patent replaces the mechanical interaction of typing answers to security questions with a voice-based interactive system. The voice-activated phone call allows users to authenticate by speaking rather than typing, significantly reducing the time required while maintaining or improving reliability. The voice recognition system processes authentication requests more quickly than traditional Q&A methods.
3Reliability
If manual credit file checking is required, then security is maintained by not relaying specific information, but the user experience deteriorates and access is delayed
Solution Approach 1:
The patent enables users to securely access their own credit file information through automated voice-activated authentication. Instead of requiring manual review by support staff, the system allows users to independently verify and access their information after voice authentication. This self-service approach maintains security controls while dramatically improving access efficiency and user experience.
Data Source
AI summary
Systems and methods for authenticating the identity of a user prior to giving access to confidential data at a user interface via a network are described. In an exemplary implementation in an Internet environment, a server hosts an application providing selective access by the user to confidential data related to the user. The user provides initial data to the application as part of a request to access the confidential data. At least one database having the confidential data stored therein is accessed by the server to retrieve confidential data relating to the user located in the database based on the initial data received from the client interface. An authentication function causes the server to transmit to the client interface and present to the user an incomplete portion of the confidential data relating to the user, which is not identical to the initial data, along with at least one other portion of data having a substantially identical format to the incomplete portion of the confidential data. The authentication function requests the user to provide additional data to complete the incomplete portion of the confidential data. The user is granted access to the confidential data subsequent to determination by the application that the user correctly completed the incomplete portion of the confidential data.