Mobile App Authentication for Unauthenticated Users
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current banking systems are inconvenient and time-consuming for customers who do not have an online account, as they require traditional methods like in-person visits or phone calls for authentication, which are burdensome and costly for service providers.
Innovation Solution
A system that allows unauthenticated users to perform sensitive actions by generating a communication to download and install a mobile application on their device, using a task identifier to authenticate the user through a contactless card or biometric verification, enabling them to perform sensitive tasks without establishing a prior online account.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional authentication methods (in-person visits or phone calls) are used for unauthenticated users, then security is maintained, but convenience and time efficiency deteriorate
Solution Approach 1:
The system performs preliminary actions by pre-configuring the mobile application with authentication capabilities and storing authentication data locally on the user's device before actual authentication is needed. This allows rapid authentication without requiring real-time connection to the service provider's systems, thereby improving convenience and reducing authentication time while maintaining security.
2Reliability
If online account setup with personal information is required, then authentication security is improved, but user burden and system complexity increase
Solution Approach 1:
The invention extracts the authentication data and verification process from the traditional online account system. Instead of requiring users to maintain online accounts with personal information, the system extracts authentication capabilities to a mobile application that stores and processes authentication data locally, thereby reducing system complexity while maintaining or improving security through localized biometric verification.
Solution Approach 2:
The mobile application serves as an intermediary between the user and the service provider's authentication system. It handles authentication locally using stored credentials and biometric data, then communicates verification results to the service provider, thereby simplifying the overall system architecture while maintaining strong authentication security without requiring users to manage complex online accounts.
3Reliability
If multiple authentication channels are implemented, then authentication reliability is improved, but device complexity and implementation cost increase
Solution Approach 1:
The system merges multiple authentication channels (biometric verification, contactless card reading, mobile communication) into a single integrated mobile application. This consolidation allows the application to handle multiple authentication methods through unified code and interface, thereby improving authentication reliability through multiple channels while reducing overall system complexity compared to implementing separate systems for each authentication method.
Data Source
AI summary
Embodiments are generally directed to systems, devices, and techniques to authenticate unauthenticated users to perform sensitive actions.