Intelligent Authentication Process Using Dynamic Option Selection
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing electronic authentication processes do not provide comprehensive coverage for all users and scenarios, particularly failing to accommodate those who do not use online banking or are unwilling to provide necessary information, leading to a limited population that can utilize these processes effectively.
Innovation Solution
An intelligent authentication method that combines multiple authentication options by using a database of attributes to select and provide suitable authentication pathways to consumers, considering factors like successful completion rate, average authentication time, cost, and consumer preferences, ensuring a wide range of authentication options are available, including instantaneous and non-instantaneous methods, to enhance user experience and success rates.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple authentication options are provided to increase coverage, then the portion of population that can utilize authentication increases, but user confusion and process cost increase
Solution Approach 1:
The patent segments the authentication process by dividing multiple authentication options into distinct categories and presenting them in a structured manner. The system breaks down the complex authentication landscape into manageable segments that can be evaluated and selected based on specific criteria, reducing user confusion while maintaining comprehensive coverage.
Solution Approach 2:
The patent applies parameter changes by dynamically evaluating authentication options based on multiple attributes such as success rate, cost, and time. The system changes the presentation and selection of authentication methods based on real-time parameters and user-specific factors, optimizing the authentication process for each individual while maintaining overall system efficiency.
2Adaptability or versatility
If multiple authentication options are provided to increase coverage, then the portion of population that can utilize authentication increases, but authentication cost increases
Solution Approach 1:
The patent implements dynamics by making the authentication option selection adaptive and flexible. The system dynamically adjusts which authentication methods are presented and selected based on real-time evaluation of multiple attributes including cost, success rate, and user preferences. This dynamic approach ensures that the most cost-effective authentication method is chosen for each specific case while maintaining broad coverage.
Solution Approach 2:
The patent applies parameter changes by evaluating and selecting authentication options based on multiple varying parameters including cost, success rate, and time. The system changes the selection criteria and presented options based on these parameters, optimizing the balance between authentication coverage and cost efficiency for each individual case.
3Reliability
If authentication options are selected based on multiple attributes, then authentication success rate increases, but processing time increases
Solution Approach 1:
The patent applies preliminary action by pre-establishing evaluation criteria and attribute databases for authentication options. The system prepares the framework for evaluating success rate, cost, and time attributes in advance, allowing for rapid selection and comparison when authentication is actually needed, thus reducing real-time processing time while maintaining high success rates.
Data Source
AI summary
A method for authentication includes receiving consumer information associated with a consumer transmitted over a first data network in a processor operated by an account issuer; determining available account authentication options based on the received consumer information and a database of potential authentication options stored in a memory in the processor; selecting a set of available authentication options from the available account authentication options based on a database of attributes for the potential authentication options stored in the memory in the processor; transmitting consumer information to an authentication provider associated with a selected authentication option over a second data network; receiving an authentication confirmation over the second data network in the processor; and updating the database of attributes for the potential authentication options to include information regarding a successful authentication and the authentication provider associated with the selected authentication option.