Machine Account Authentication for Autonomous Transaction Approval
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Solution Overview
Problem
Existing systems face challenges in authenticating and authorizing autonomous machines for transactions, as they are susceptible to hacking and fraudulent manipulation, and there is a need for machine accounts that are not linked to the owner, ensuring machine-based transactions are authorized and intended by the machine itself.
Innovation Solution
A machine entity platform generates a transaction account for machines, using telematics data and profile information to continuously authenticate and authorize transactions, employing machine learning models to manage and update a dynamic profile, ensuring authenticity and preventing fraudulent activities.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If machines use operator account information for transactions, then transactions can be conducted, but the machine cannot be authenticated as the intended party and transactions cannot be distinguished between different machines
Solution Approach 1:
The system segments the authentication process by separating machine identity verification from operator account management. Machine accounts are created as distinct entities with unique machine credentials (IMEI, serial numbers) that are independent of operator accounts, allowing separate authentication of machine identity while maintaining the existing operator account structure for payment and authorization.
Solution Approach 2:
The patent introduces an intermediary authentication system that acts as a mediator between the machine, operator, and merchant. This intermediary platform verifies machine credentials, authenticates the machine's identity, and facilitates the transaction by linking machine authentication with operator account authorization, thereby resolving the contradiction between reliable machine authentication and simple account structure.
2Reliability
If machines are susceptible to hacking and fraudulent manipulation, then security risks increase, but traditional authentication methods cannot adequately protect machine-based transactions
Solution Approach 1:
The system performs preliminary authentication actions by verifying machine credentials (IMEI, serial numbers) before transactions occur. The machine account is pre-established and authenticated, and the system proactively verifies the machine's identity and checks for fraudulent indicators before allowing transactions, rather than reacting to fraud after it occurs.
Solution Approach 2:
The patent implements feedback mechanisms that continuously monitor transactions for fraudulent patterns. The system analyzes transaction data, machine behavior, and authentication outcomes to detect anomalies and provide feedback for improving fraud detection. This creates a closed-loop system where authentication and security measures are continuously refined based on observed patterns.
3Adaptability or versatility
If machine accounts are linked to owner accounts, then payment can be processed, but autonomous machines with different operators cannot conduct independent transactions
Solution Approach 1:
The system dynamically adjusts the relationship between machine accounts and operator accounts based on transaction context. Machine accounts can operate independently for authentication purposes while maintaining flexible linkages to operator accounts for payment authorization. The system can adapt the level of autonomy granted to machines based on pre-configured authorization rules and transaction types.
Solution Approach 2:
The patent applies different authorization qualities to different aspects of transactions. Machine identity verification and authentication are handled with high autonomy and strict verification, while payment authorization maintains linkage to operator accounts with appropriate authorization checks. This localized application of different authorization strictness levels enables both machine autonomy and proper oversight.
Data Source
AI summary
A system and method are disclosed that generate a profile for a machine and continuously identify and validate the machine to allow a machine to be associated with a machine account for conducting transactions. The system and method use information or data provided by the machine for authentication. The data provided by the machine includes any combination of sensor data, historical data, activity data, location data, transaction data and any other data related to the machine and its actions. The machine sends or initiates requests for transactions. The requests are analyzed and allowed to be completed or the requests are declined.