Persistent Integration Platform for Multi-Channel Authentication

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Solution Overview

Problem

Traditional resource transfer systems require users to restart the process from the beginning when resuming on a different device, leading to inefficiencies and potential security issues due to inadequate authentication procedures.

Innovation Solution

A multi-channel authentication system with a persistent integration platform that allows users to authenticate multiple times using different methods across various devices, generating a data record of the resource transfer process and allowing it to be resumed securely on any authorized device.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If traditional single-session resource transfer is used, then the process is simple to implement, but the user must repeat steps when resuming and security is compromised

Engineering Contradiction:
Improveuser operation continuityVSAvoidauthentication security
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The authentication process is segmented into multiple independent authentication steps that can be performed sequentially. Each authentication step validates a specific aspect of user identity, allowing the system to maintain security while enabling resume functionality. The persistent element stores progress between authentication steps, allowing users to resume without repeating all steps.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system performs preliminary authentication actions before the resource transfer process begins. By authenticating the user in advance and storing the authentication state in the persistent element, the system enables the user to resume the process without repeating authentication steps, thereby improving ease of operation while maintaining security through the preliminary authentication framework.

Inventive Principle:
Principle #10Preliminary action

2Reliability

If multiple authentication methods are required per device, then security is enhanced, but the authentication process becomes more complex

Engineering Contradiction:
Improveuser identification accuracyVSAvoidauthentication process complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The persistent element serves multiple functions: it stores user data, tracks authentication state, records progress through the resource transfer process, and enables resume functionality across different devices. This multi-functionality reduces the need for separate complex authentication mechanisms on each device, as the central persistent element coordinates the authentication process universally.

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

Solution Approach 2:

The persistent element acts as an intermediary between multiple authentication methods and devices. It receives authentication data from various authentication methods, stores it securely, and presents the appropriate authentication requirements to users on different devices, thereby managing complexity centrally while maintaining high security through multiple authentication methods.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Adaptability or versatility

If the resource transfer process is suspended and resumed on a different device, then user flexibility is improved, but computing resources are wasted due to restarting

Engineering Contradiction:
Improvedevice flexibilityVSAvoidcomputing resource consumption
Core Design Contradiction:
Adaptability or versatilityVSLoss of energy

Solution Approach 1:

The persistent element maintains continuous storage of the resource transfer process state, allowing the process to continue seamlessly from where it was suspended. By preserving the current state, progress, and authentication information in the persistent element, the system enables users to resume on different devices without wasting computing resources on redundant processing of already-completed steps.

Inventive Principle:
Principle #20Continuity of useful action

Data Source

PatentUS10826890B2Multi-level authentication system with persistent integration platform
Publication Date: 2020.11.03 BANK OF AMERICA CORP
  • US10826890B2 patent drawing
  • US10826890B2 patent drawing
  • US10826890B2 patent drawing

AI summary

Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.