Multi-Level Authentication Platform for Onboard Transaction Security
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Solution Overview
Problem
Consumer electronics face a trade-off between transaction convenience and security, where increased convenience can lead to fraudulent activities, while enhanced security may deter users from completing transactions.
Innovation Solution
A multi-level authentication platform that uses an onboard system to execute various authentication policies based on transaction information, providing customizable security measures that can be executed automatically without user intervention.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If authentication security measures are increased, then transaction security is improved, but transaction convenience deteriorates
Solution Approach 1:
The authentication system dynamically adjusts the number and type of authentication factors required based on transaction risk assessment. Low-risk transactions may require only one factor (e.g., password), while high-risk transactions trigger additional factors (e.g., biometric verification, device authentication), allowing the system to optimize between security and convenience in real-time
Solution Approach 2:
The system performs preliminary authentication checks and risk assessments before the actual transaction occurs. By pre-verifying user identity and transaction context, the system can streamline the main transaction process, reducing the perceived burden on users while maintaining security
2Reliability
If multi-level authentication policies are implemented, then transaction security is improved, but system complexity increases
Solution Approach 1:
The authentication system is segmented into modular components: identity verification module, device authentication module, transaction context analysis module, and risk assessment module. Each module handles a specific aspect of authentication, making the complex system manageable, maintainable, and adaptable through independent module updates
Solution Approach 2:
An intermediary authentication server is introduced to manage the complexity of multi-factor authentication. This server acts as a mediator between users, devices, and transaction systems, handling the coordination of multiple authentication factors and the enforcement of authentication policies, thereby shielding end-users and application systems from the underlying complexity
Data Source
AI summary
Described herein is a platform and method for providing multi-level authentication by an onboard system in relation to a transaction. In response to receiving information related to a transaction, one or more authentication policies may be identified and provided to an onboard system associated with the transaction. The authentication policies may be executed by the onboard system to generate a result set indicating a pass/fail for each authentication policy. Once the result set has been generated, success actions and/or failure actions associated with each authentication policy may be executed in accordance with the generated result set.