Offline Virtual Authentication Tokens for Network-Independent Access

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Solution Overview

Problem

Existing systems fail to allow users to leverage virtual authentication tokens during periods of inaccessible network connectivity, as they require stable network connectivity for verification, making it difficult to perform real-time authentication.

Innovation Solution

A system that stores offline virtual authentication tokens, requests an authentication code from the user when offline, verifies its validity, and selects an appropriate token for access, generating a new authentication token if necessary.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the system requires stable network connectivity for verification, then security is improved, but accessibility during network outages deteriorates

Engineering Contradiction:
ImprovesecurityVSAvoidaccessibility during network outages
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary actions by storing multiple offline virtual authentication tokens in advance before network connectivity is lost. When the system goes offline, these pre-stored tokens can be immediately used without requiring real-time network verification, thus maintaining accessibility while preserving security through pre-validated credentials.

Inventive Principle:
Principle #10Preliminary action

2Reliability

If the system performs real-time verification, then fraudulent actions are detected, but operation during offline periods becomes difficult

Engineering Contradiction:
Improvefraud detectionVSAvoidoperation during offline periods
Core Design Contradiction:
ReliabilityVSAdaptability or versatility

Solution Approach 1:

The system creates copies of authentication credentials by generating multiple offline virtual authentication tokens that replicate the security properties of the original token. These copies can be used independently during offline periods without requiring real-time verification, enabling continued operation while maintaining fraud detection capabilities through the inherent security of the token structure.

Inventive Principle:
Principle #26Copying

3Ease of operation

If the system stores multiple offline tokens, then accessibility during outages is improved, but system complexity increases

Engineering Contradiction:
Improveaccessibility during outagesVSAvoidsystem complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The system provides self-service functionality by automatically managing the storage, selection, and rotation of multiple offline virtual authentication tokens without requiring user intervention. The system autonomously handles the complexity of maintaining multiple tokens while presenting a simple interface to users, improving accessibility during outages without exposing the underlying system complexity.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS12438721B2Systems and methods for leveraging offline virtual authentication tokens
Publication Date: 2025.10.07 CAPITAL ONE SERVICES LLC
  • US12438721B2 patent drawing
  • US12438721B2 patent drawing
  • US12438721B2 patent drawing

AI summary

Systems and methods are described herein for leveraging offline virtual authentication tokens during periods of inaccessible network connectivity. In some aspects, after determining the system is offline, systems and methods request an authentication code from a user and determine whether the authentication code received from the user is valid. In response to determining that the authentication code is valid, systems and methods select an offline virtual authentication token from the plurality of stored offline virtual authentication tokens associated with the user account.