Two-Factor Authentication System with Liveness Detection

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Solution Overview

Problem

Authenticating users over the Internet is challenging due to increased frequency of remote interactions, which often leads to security issues, necessitating improved authentication systems that can accurately verify user identity in real-time.

Innovation Solution

A two-factor authentication system that combines a verified identification image, such as a government-issued ID, with a liveness identification image, like a video or moving image, captured using a user's device, to ensure the user's active presence and authenticity, incorporating additional security measures like image capture data and specific identifiers.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If traditional authentication methods are used over the Internet, then user interactions can occur remotely, but security issues arise due to inability to verify user identity accurately

Engineering Contradiction:
Improveremote interaction capabilityVSAvoiduser identity verification accuracy
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The patent introduces an intermediary authentication system that mediates between the user and the organization. This system captures images of the user's identification document and liveness verification images, processes them through image recognition algorithms, and provides authentication results. The intermediary nature of this system enables secure remote authentication without requiring direct face-to-face interaction, thus resolving the contradiction between remote interaction capability and identity verification accuracy.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces traditional mechanical authentication methods (physical presence, face-to-face verification) with electronic and optical systems. Specifically, it uses image capture devices to obtain photos of identification documents and liveness images, then employs image recognition algorithms and machine learning models to automatically verify identity. This substitution enables remote authentication while maintaining or improving verification accuracy, thus resolving the technical contradiction.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If detailed investigation of user is performed for authentication, then security is improved, but authentication speed decreases

Engineering Contradiction:
Improveauthentication securityVSAvoidauthentication speed
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The patent implements preliminary action by pre-processing and storing authentication data in structured formats. Image recognition algorithms are pre-configured to automatically extract and verify key information from identification documents. Liveness verification protocols are established beforehand. When authentication is needed, the system quickly retrieves and processes this pre-prepared information, enabling fast authentication without sacrificing security. This resolves the contradiction between thorough verification and authentication speed.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent enables self-service authentication where the user's own device captures their identification document and liveness images, and the system automatically processes these images through image recognition and verification algorithms. The user actively participates in providing authentication data, and the system autonomously verifies it without requiring manual investigation. This self-service mechanism maintains high security while achieving rapid authentication, resolving the contradiction between security and speed.

Inventive Principle:
Principle #25Self-service

3Reliability

If multiple authentication factors are required, then security against misappropriation is improved, but device complexity increases

Engineering Contradiction:
Improveprotection against misappropriationVSAvoidauthentication system complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent merges multiple authentication factors into a unified authentication process. It combines identification document verification, liveness detection, and image recognition into a single integrated system. The user provides both their ID document and a liveness image, and the system processes both through combined algorithms to make an authentication decision. This merging approach maintains high security by verifying multiple factors while presenting a simplified user experience and manageable system architecture, thus resolving the contradiction between security and complexity.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS11310230B2System for electronic authentication with live user determination
Publication Date: 2022.04.19 BANK OF AMERICA CORP
  • US11310230B2 patent drawing
  • US11310230B2 patent drawing
  • US11310230B2 patent drawing

AI summary

Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.