Multi-Channel Communication Authentication Validation

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Solution Overview

Problem

The increasing use of generative artificial intelligence has made it difficult to identify and validate legitimate communications, particularly in cases of vishing and deep fake voice imitations, where unauthorized actors pose as trusted enterprise organizations to obtain sensitive information or funds.

Innovation Solution

A system that initiates a communication session and generates a validation action, which is sent to the recipient via a different communication channel, allowing them to acknowledge the validation before completing or terminating the communication session.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If multi-channel validation is implemented to authenticate communication origins, then reliability is improved, but device complexity increases

Engineering Contradiction:
Improveauthentication reliabilityVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces a validation server as an intermediary component that mediates between the communication system and users. This server receives validation requests, generates verification codes, and manages the validation process centrally, thereby improving authentication reliability while containing system complexity through centralized management rather than distributed complexity

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The validation system is segmented into distinct functional components: a validation server that manages the validation logic, communication channels for sending verification codes, and user devices for receiving and validating codes. This segmentation allows each component to be independently optimized and maintained, improving overall reliability while managing complexity through modular architecture

Inventive Principle:
Principle #1Segmentation

2Reliability

If validation actions are sent through multiple communication channels, then reliability is improved, but loss of time increases

Engineering Contradiction:
Improvevalidation reliabilityVSAvoidvalidation time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system implements partial validation by sending verification codes through multiple channels simultaneously, but allows the validation process to proceed once a sufficient number of channels confirm validity, rather than requiring all channels to be processed. This approach improves reliability through multi-channel verification while reducing time loss by not waiting for excessive validation steps

Inventive Principle:
Principle #16Partial or excessive action

Solution Approach 2:

The validation system incorporates feedback mechanisms where the validation server monitors the status of validation actions across different communication channels and dynamically adjusts the validation process based on received feedback. When sufficient validation confirmation is received from any channel, the system proceeds, optimizing the balance between reliability and time efficiency

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS12323431B2Multi-channel communication authentication and validation
Publication Date: 2025.06.03 BANK OF AMERICA CORP
  • US12323431B2 patent drawing
  • US12323431B2 patent drawing
  • US12323431B2 patent drawing

AI summary

Arrangements for multi-channel communication validation are provided. In some examples, an indication of initiation of a communication session may be received. The communication session may be initiated by a first party via a first communication channel. In response to the indication, one or more validation actions may be generated and sent to a user device associated with a second party or recipient of the communication session via a second, different communication channel. The second party may acknowledge the validation action and a call completion action may be generated and transmitted to a computing device of the first party. The call completion action may include enabling a connection of the communication session between the first party and the second party if the second party has accepted the call, or may terminate the communication session if the second party has rejected the call.