Joint Account Authentication Parameter Segmentation

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Solution Overview

Problem

Existing network communication technologies do not allow multiple joint account managers to jointly manage an account over a network, as they require all managers to physically authenticate together, making operations inconvenient.

Innovation Solution

The user-side authentication parameter for a joint account is divided into parts, with each joint manager receiving a corresponding joint management authentication parameter, which can be combined and used by the server to authenticate operations, enabling convenient network-based joint account management.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If all joint managers must physically authenticate together at the counter, then security and trustworthiness are improved, but convenience and operational efficiency deteriorate

Engineering Contradiction:
ImprovesecurityVSAvoidconvenience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The authentication parameter is segmented into multiple parts, with each joint manager holding a separate part. The server reconstructs the complete authentication parameter by combining all parts, enabling distributed authentication that maintains security while allowing individual managers to authenticate independently over the network.

Inventive Principle:
Principle #1Segmentation

2Ease of operation

If each account has only one owner with full operation permissions, then operational simplicity is improved, but the ability to implement joint management deteriorates

Engineering Contradiction:
Improveoperational simplicityVSAvoidjoint management capability
Core Design Contradiction:
Ease of operationVSAdaptability or versatility

Solution Approach 1:

The single authentication parameter is divided into multiple parts distributed among joint managers, allowing the system to support joint management while maintaining operational simplicity through automated network-based authentication.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The server acts as an intermediary that collects authentication parameter parts from multiple joint managers, reconstructs the complete parameter, and performs authentication. This mediator enables joint management functionality while keeping the authentication process simple for users.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Adaptability or versatility

If authentication parameters are distributed among multiple joint managers, then joint management flexibility is improved, but system complexity increases

Engineering Contradiction:
Improvejoint management flexibilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The server serves as a central intermediary that handles the complexity of parameter distribution, reconstruction, and validation. This centralizes the complex operations on the server side while keeping client-side operations simple, where joint managers only need to provide their authentication parameter parts.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentEP3809629B1Authorization method and device for joint account, and authentication method and device for joint account
Publication Date: 2022.08.10 ADVANCED NEW TECHNOLOGIES CO LTD
  • EP3809629B1 patent drawingFigure 1~2
  • EP3809629B1 patent drawingFigure 3~4
  • EP3809629B1 patent drawingFigure 5~6

AI summary

The present application provides an authorization method for a joint account, applied to client software. The joint account is jointly managed by N joint managers, N is a natural number greater than 1, and the method includes the following: obtaining a user-side authentication parameter of the joint account, where the user-side authentication parameter is the same as or corresponding to a network-side authentication parameter of the joint account, and is used to perform authentication on operation permission for the joint account; dividing the user-side authentication parameter into N parts, and generating a corresponding joint management authentication parameter based on each part; and writing each joint management authentication parameter into a device controlled by each joint manager. In the technical solutions of the present application, the network-based joint account can be implemented, and the joint manager can manage the joint account very conveniently.