Online Authorization Using Government ID-Based Dynamic Encryption
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Solution Overview
Problem
Existing online transaction systems are vulnerable to identity theft, fraud, and money laundering due to inadequate verification of user identities, leading to significant financial losses and national security threats, with biometric authentication being privacy-concerned and private-public key cryptography being computationally expensive and susceptible to decoding.
Innovation Solution
A method and apparatus that utilize machine-readable government-issued identification documents to dynamically generate encryption keys for secure online transactions, ensuring identity verification and transaction monitoring by embedding identification information into encrypted transaction packets, using dynamic key generation based on pre-determined rules and time stamps.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If biometric authentication is used to verify user identity, then security against identity theft is improved, but consumer privacy concerns increase and acceptance decreases
Solution Approach 1:
The patent extracts biometric verification functionality from direct user enrollment and stores it instead in government-issued identification documents. The system reads biometric data from the ID document during transactions rather than requiring users to store their biometrics in commercial databases, thereby maintaining security while reducing privacy concerns.
Solution Approach 2:
The patent introduces government-issued identification documents as an intermediary between users and the authentication system. The government acts as a trusted mediator that securely holds and verifies biometric information, eliminating the need for users to directly share sensitive biometric data with merchants or financial institutions.
2Reliability
If private-public key cryptography is used for secure transactions, then encryption security is improved, but computational cost and processing time increase
Solution Approach 1:
The patent extracts the heavy cryptographic verification burden from the transaction system and replaces it with simpler validation of government-issued ID documents. Instead of performing complex public-key cryptography during each transaction, the system verifies pre-validated identification information stored in secure government documents.
Solution Approach 2:
The patent performs identity verification and cryptographic validation in advance during the issuance of government identification documents. This preliminary action ensures that subsequent transactions can proceed with simpler, faster verification processes while maintaining high security standards.
3Ease of operation
If traditional online transaction verification is used, then ease of operation is maintained, but vulnerability to fraud and money laundering increases
Solution Approach 1:
The patent enables the identification document to serve itself as verification credentials. The machine-readable government ID contains pre-validated identification information that automatically verifies the user's identity during transactions, eliminating the need for manual verification processes while maintaining convenience.
Solution Approach 2:
The patent makes the government-issued identification document a universal credential that serves multiple functions: identity verification, authentication, and fraud prevention across different online transaction platforms. This single document replaces multiple verification mechanisms while simplifying the user experience.
Data Source
AI summary
A computer-implemented method validates a user instruction by storing, at a first computer system, a transformation method associated with account information of the user, and associated with a government issued identification document of the user, the account information obtained from an item issued by a financial institution. The computer-implemented method also receives, at the first computer system from a second computer system, the account information and a message electronically transformed from the user instruction by the transformation method based on the government issued identification document of the user. The user instruction is unrecognizable from the message. The computer-implemented method transforms, at the first computer system, the message into the user instruction with the transformation method retrieved based on the received account information. The computer-implemented method approves an action based on the user instruction.