Multi-Component Authentication With Sequence And Location Indicators

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Solution Overview

Problem

Managers of electronic networks face challenges in efficiently and accurately preventing unauthorized access to user accounts, particularly when bad actors have access to authentication credentials, necessitating a solution that can automatically and on a large scale determine and prevent such access without real-time tracking of each user account.

Innovation Solution

A multi-component authentication system using pre-determined sequences and indicators, which requires users to input authentication credentials in a specific sequence and at designated locations with highlighted indicators within defined periods, ensuring valid credentials match the pre-determined sequence and locations to grant access.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional authentication methods are used, then ease of operation is maintained, but security reliability deteriorates when bad actors have access to credentials

Engineering Contradiction:

Improveauthentication securityVSAvoidauthentication complexity

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The authentication credential is divided into multiple segments (first authentication credential and second authentication credential) that must be entered in a specific sequence at specific input locations. This segmentation prevents unauthorized access even if one credential is compromised, while maintaining operational simplicity through automated sequence management.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The authentication system dynamically highlights specific input locations and manages the sequence of credential entry in real-time. The system transitions between different authentication states (awaiting first credential, awaiting second credential, authenticated, or locked out), making the authentication process adaptive and responsive to user actions.

Inventive Principle:

Principle #15Dynamics

2Measurement precision

If real-time tracking of each user account access data is implemented, then measurement precision of unauthorized access attempts improves, but device complexity and computing resource usage worsen

Engineering Contradiction:

Improveaccess attempt detection accuracyVSAvoidsystem complexity

Core Design Contradiction:

Measurement precisionVSDevice complexity

Solution Approach 1:

The system extracts and validates only the essential authentication elements (credential value, input location, and sequence order) without tracking comprehensive user account access data. This extraction approach maintains high detection accuracy for unauthorized attempts while minimizing system complexity and resource consumption.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The authentication system serves multiple functions simultaneously: it validates credentials, determines sequence correctness, identifies input locations, and prevents unauthorized access. This multi-functionality achieves comprehensive security monitoring without requiring separate specialized systems for each function.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Reliability

If multiple authentication credentials are required in sequence, then authentication security improves, but authentication time and user convenience worsen

Engineering Contradiction:

Improveauthentication securityVSAvoidauthentication duration

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system pre-establishes the authentication sequence and highlights the next required input location before the user enters each credential. This preliminary guidance eliminates user confusion and reduces the time needed to complete multi-credential authentication, as users are proactively directed through the sequence without delays.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system provides immediate visual feedback by highlighting the specific input location where the next credential should be entered and confirming successful validation. This feedback mechanism guides users through the authentication process efficiently, reducing time loss through clear, real-time direction rather than requiring users to remember the sequence.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS12462003B2Systems, methods, and apparatuses for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic environment

Publication Date: 2025.11.04 BANK OF AMERICA CORP

AI summary

Systems, computer program products, and methods are described herein for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic network. The present disclosure is configured to identify a pre-determined sequence; configure a multi-component authentication graphical user interface; determine whether a first authentication credential is valid when it matches the first valid authentication credential, the first input location matches the first authenticated input location, and the first authentication credential is received in the first pre-determined indicator period; configure the multi-component authentication graphical user interface with at least one second indicator; determine whether at least one second authentication credential is valid when the at least one second authentication credential matches the at least one second valid authentication credential, the second input location matches the at least one second authenticated input location, and the at least one second authentication credential is received in the second pre-determined indicator period.