Mobile Digital Identifier Authentication for Fraud-Resistant Transactions
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Solution Overview
Problem
Existing authentication methods are inefficient and prone to fraud, as users often enter incorrect information or use devices not associated with them, leading to frustration and increased fraudulent transactions.
Innovation Solution
A telecommunications network server provides a digital identifier to a user device, which is tethered to the device and used to authenticate users through a transaction code, confirming the user's authenticity to third-party systems without requiring personal identification information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods requiring personal identification information are used, then users can verify their identity to online services, but users may enter incorrect information or become frustrated when they don't have access to all requested information
Solution Approach 1:
The patent extracts the authentication verification process from the online service provider and relocates it to the user's mobile device. The mobile device independently verifies the user's identity using pre-stored credentials and digital certificates, then provides cryptographic proof to the online service. This eliminates the need for users to manually enter personal identification information, resolving the contradiction between authentication accuracy and user convenience.
Solution Approach 2:
The mobile device acts as an intermediary between the user and the online service provider. It holds and manages the user's digital credentials, performs local authentication verification, and presents cryptographic proofs to third-party systems. This intermediary approach allows seamless authentication without exposing sensitive personal information while maintaining high reliability.
2Ease of operation
If online services rely on anonymity provided by the Internet for transactions, then users can interact remotely, but impersonators can engage in fraudulent transactions using stolen or false personal information
Solution Approach 1:
The system performs preliminary authentication actions by storing verified user credentials and digital certificates in the user's mobile device before any online transaction occurs. When a transaction is initiated, the mobile device automatically provides cryptographic proof of identity without requiring the user to manually input personal information. This preliminary setup prevents impersonators from using stolen information, as the authentication is based on secure device-stored credentials rather than easily obtainable personal data.
Solution Approach 2:
The patent replaces traditional mechanical authentication methods (manual entry of personal identification information) with cryptographic verification using digital certificates and encrypted proofs. Instead of relying on users to accurately input personal details, the system uses public key infrastructure and digital signatures to verify identity. This substitution eliminates fraud risks associated with stolen or false personal information while maintaining remote transaction capability.
3Reliability
If users must provide personal identification information to multiple third-party systems, then each system can verify identity, but the authentication process becomes complex and time-consuming
Solution Approach 1:
The mobile device is designed as a universal authentication tool that stores the user's digital credentials and can generate cryptographic proofs compatible with multiple third-party systems. Instead of requiring separate authentication processes for each service, the mobile device provides a standardized cryptographic verification mechanism that works across different platforms. This multi-functional approach maintains reliable identity verification while significantly reducing authentication time.
Solution Approach 2:
The system creates cryptographic copies of the user's identity verification credentials in the form of digital certificates and signed proofs. These cryptographic copies can be presented to multiple third-party systems without requiring the user to repeatedly provide original personal identification information. The copied cryptographic evidence is sufficient for verification purposes, eliminating repetitive authentication steps while maintaining verification reliability.
Data Source
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AI summary
A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.