Multi-Channel Authentication System for Unified Resource Transfer

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Solution Overview

Problem

Existing systems require users to navigate multiple applications and perform complex actions to execute electronic activities or initiate resource transfers, making them time-consuming and cumbersome, and lack intelligent, proactive, and responsive capabilities to adapt to user communication modes.

Innovation Solution

A multi-channel resource technology system that integrates user activities within a single interface, utilizing voice recognition and biometric authentication to verify user identity and authorize actions, allowing seamless switching between communication channels and storing unique user patterns for authentication.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If users navigate multiple applications to perform electronic activities, then comprehensive functionality is achieved, but operation time and complexity increase

Engineering Contradiction:

Improvefunctional comprehensivenessVSAvoidoperation time

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The patent combines multiple application functionalities into a single unified interface that can handle electronic activities, information retrieval, and resource transfers. The system integrates capabilities that previously required navigating multiple applications, allowing users to perform diverse tasks within one application environment, thereby reducing operation time while maintaining functional comprehensiveness

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system is designed as a universal platform that can perform multiple functions including electronic activities, information retrieval, authentication, and resource transfers. This multi-functional approach eliminates the need for users to switch between specialized applications, achieving both versatility and time efficiency

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If users operate multiple applications with distinct functions, then specific tasks can be performed, but ease of operation decreases

Engineering Contradiction:

Improvetask capabilityVSAvoidoperational simplicity

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

Multiple task capabilities are merged into a single user interface with unified navigation and control mechanisms. The system provides a consistent interaction model across different functions, eliminating the need for users to learn and adapt to multiple distinct application interfaces, thereby improving ease of operation while maintaining task capability

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The unified interface is segmented into modular functional areas that can be accessed through consistent navigation patterns. This segmentation allows the system to maintain complex functionality while presenting a simplified, organized interface structure that is easier to operate

Inventive Principle:

Principle #1Segmentation

3Reliability

If biometric authentication is implemented, then security is enhanced, but authentication time increases

Engineering Contradiction:

Improveauthentication securityVSAvoidauthentication time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary capture and processing of biometric data during initial setup or idle periods, preparing authentication templates in advance. When authentication is required, the system compares real-time biometric input against pre-prepared templates, significantly reducing authentication time while maintaining high security standards

Inventive Principle:

Principle #10Preliminary action

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

Enables efficient and integrated execution of electronic activities, reducing the need to operate disparate applications and enhancing user convenience by providing intelligent, proactive, and responsive communication, thus streamlining resource allocation and transfer processes.

Implementation Method 1

analyze the voice data of the voice request and compare the voice data against the voice print data for the user

Methodology Applied

Scientific EffectVoice recognition:

Implementation Method 2

storing unique user patterns to form an authentication baseline for subsequent user communications

Methodology Applied

Scientific EffectBiometric authentication:

Data Source

PatentUS11374976B2System for authentication of resource actions based on multi-channel input

Publication Date: 2022.06.28 BANK OF AMERICA CORP

AI summary

Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.