Nested Electronic Profile Authentication via Dual Security Challenges
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Solution Overview
Problem
The process of adding a secondary electronic profile to a primary electronic profile is often tedious and susceptible to electronic fraud, lacking effective security measures.
Innovation Solution
A computer-based method that involves receiving an electronic access request, determining user contact information, generating security challenges, and authenticating the request by verifying responses from both the primary and secondary user devices within predefined time and spatial parameters, thereby creating a nested secondary profile within the primary profile.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional methods are used to add a secondary electronic profile, then the process is simple and quick, but the system is susceptible to electronic fraud and lacks effective security measures
Solution Approach 1:
The authentication process is segmented into multiple independent challenges sent to different devices. The system divides the authentication into primary user authentication and secondary user authentication, each requiring separate security challenges and responses, making fraud detection more effective while maintaining a manageable process structure
Solution Approach 2:
The system performs preliminary actions by sending security challenges before final authentication. Multiple security challenges are generated and sent to both primary and secondary users before the profile addition is completed, ensuring that authentication occurs in advance and prevents fraudulent activities
2Reliability
If multiple security challenges and responses are implemented, then the security and fraud detection are improved, but the process becomes more time-consuming
Solution Approach 1:
The system implements periodic action by sending security challenges at specific time intervals and expecting responses within predefined time periods. The challenges are sent periodically to both users, and the system validates responses based on time constraints, which maintains security while managing the time required for authentication
Solution Approach 2:
The system uses feedback mechanisms where responses from users are received and validated by the processor. The system provides feedback by confirming valid responses and rejecting invalid ones, which streamlines the authentication process by quickly identifying legitimate users versus fraud attempts, reducing overall authentication time
3Reliability
If the primary user and secondary user must respond within predefined time periods, then the security is enhanced, but the ease of operation is reduced
Solution Approach 1:
The system implements self-service by automatically managing the timing and validation of security challenges. The processor handles the complexity of tracking response times, validating responses, and coordinating the authentication process between primary and secondary users, so users simply need to respond to challenges without managing the timing themselves
Data Source
AI summary
Systems and methods are disclosed including receiving an electronic access request to add a secondary electronic profile of a secondary user to a primary electronic profile of a primary user. A processor generates and sends a first security challenge to the primary user and a secondary security challenge to the secondary user. The processor receives a response from the primary user in response to the first security challenge and a response from the secondary user in response to the secondary security challenge. The processor authenticates the electronic access request based on the first response being a valid response and the secondary response being a valid response. The processor generates the secondary electronic profile as a nested profile within the primary electronic profile. The processor instructs the primary user device or the secondary user device to display a confirmation of the secondary user being added to the primary electronic profile.