Passive Authentication Risk Scoring for Scaled Impersonation Attacks

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Solution Overview

Problem

Biometric and active user authentication methods are vulnerable to theft, enabling malicious actors to conduct large-scale impersonation attacks, leading to numerous unauthorized interactions and fraudulent transactions.

Innovation Solution

A system that utilizes passive user authentication information, such as caller ID, location data, and application-based authentication, to compute impersonation risk metrics and generate a scaled impersonation attack prediction, allowing for real-time detection and prevention of such attacks.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If biometric and active user authentication methods are used, then authentication security is improved, but vulnerability to theft and impersonation attacks increases

Engineering Contradiction:
Improveauthentication securityVSAvoidvulnerability to theft and impersonation attacks
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces passive authentication factors (device identifiers, location data, usage patterns) as intermediary elements that mediate between the user and the authentication system. These passive factors serve as additional verification layers that are difficult for attackers to obtain or replicate, thereby resolving the vulnerability to impersonation attacks while maintaining authentication security.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent expands authentication from traditional active/biometric dimensions to include passive authentication dimensions. By adding multiple authentication factors across different dimensions (active credentials, biometric data, and passive device characteristics), the system achieves more comprehensive security without over-relying on any single authentication method.

Inventive Principle:
Principle #17Another dimension (Dimensionality change)

2Reliability

If multi-factor authentication is implemented, then security against impersonation attacks is improved, but system complexity increases

Engineering Contradiction:
Improvesecurity against impersonation attacksVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent segments the authentication system into distinct components: active authentication factors, passive authentication factors, and the evaluation mechanism. This segmentation allows each component to be independently managed and evaluated, reducing overall system complexity while maintaining multi-factor authentication capabilities.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent creates a universal authentication framework that can handle multiple types of authentication factors through a single integrated system. The multi-factor authentication mechanism is designed to be flexible and adaptable, allowing the system to accommodate various authentication methods without requiring separate complex subsystems for each factor type.

Inventive Principle:
Principle #6Universality (Multi-functionality)

3Measurement precision

If passive user authentication information is used for detection, then detection accuracy of impersonation attacks is improved, but data processing requirements increase

Engineering Contradiction:
Improvedetection accuracyVSAvoiddata processing requirements
Core Design Contradiction:
Measurement precisionVSQuantity of substance

Solution Approach 1:

The patent applies partial action by selectively analyzing specific passive authentication factors based on the risk assessment. Rather than processing all available data uniformly, the system processes only the relevant passive factors needed for the current authentication decision, thereby maintaining detection accuracy while reducing unnecessary data processing requirements.

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS12524510B2Generating a scaled impersonation attack prediction
Publication Date: 2026.01.13 CAPITAL ONE SERVICES LLC
  • US12524510B2 patent drawing
  • US12524510B2 patent drawing
  • US12524510B2 patent drawing

AI summary

In some implementations, a system may receive interaction information associated with a plurality of interactions, wherein each interaction in the plurality of interactions is associated with a respective user in a plurality of users. The system may retrieve passive user authentication information associated with the plurality of users. The system may compute a plurality of risk metrics based on the interaction information and the passive user authentication information, each risk metric in the plurality of risk metrics being associated with a respective interaction from the plurality of interactions. The system may generate a scaled attack prediction based on the plurality of risk metrics, the scaled attack prediction indicating an occurrence of a scaled attack. The system may perform a security action based on the scaled attack prediction indicating the occurrence of the scaled attack.