Multi-mode Credential Authorization via Dual-channel Verification
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Solution Overview
Problem
Existing biometric authentication methods are prone to fraud and limited by the consistency of user-provided biometric samples, as they rely heavily on matching biometric samples with saved credentials, making them vulnerable to duplication and inconsistent results.
Innovation Solution
A method that uses a first credential to select a secondary communications channel for authenticating a second credential, combining non-biometric and biometric credentials to generate identity proof scores, providing a confidence level in the correlation between received and reference credentials, and authorizing transactions based on these scores.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If biometric sample matching with saved credentials is used for authentication, then the authentication process is simple and fast, but the system becomes vulnerable to fraud and duplication
Solution Approach 1:
The patent segments the authentication process into multiple independent stages: initial credential collection, provisional identity creation, secondary credential verification through different channels, and confidence score generation. Each stage operates independently and contributes to the final authentication decision, preventing single-point failures and fraud
Solution Approach 2:
The patent introduces intermediary elements including provisional identities that bridge initial and final authentication, confidence scores that mediate between credential matching and authorization decisions, and multiple communication channels that act as intermediaries to verify credentials through independent paths
2Ease of operation
If biometric sample matching with saved credentials is used for authentication, then the system is easy to operate, but the results are limited by user consistency in providing biometric samples
Solution Approach 1:
The patent changes the parameters of authentication by transitioning from direct biometric matching to a multi-stage process involving provisional identity creation, confidence score calculation, and threshold-based decision making. This allows the system to accommodate variations in biometric sample quality while maintaining security
Solution Approach 2:
The patent performs preliminary actions by collecting and storing multiple types of credentials (biometric and non-biometric) during initial setup, creating provisional identities before actual authentication occurs. This preparation enables more robust verification without burdening the user during the authentication moment
Data Source
AI summary
A method for authenticating an identity involves first receiving a first credential over a first communications channel, and determining a second communications channel provisionally associated with the first credential. The second communications channel is different from the first communications channel, and the first credential is provisionally associated with an identity. Then, a second credential is received over the second communications channel, and the identity is authenticated based on a verification of the second credential.