Quantum Encryption Model for Dynamic Password and Fraud Detection

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Solution Overview

Problem

Existing authentication and encryption processes are computationally intensive and inefficient, particularly in detecting fraudulent activities in financial transactions, leading to strained computing resources and delayed transaction expediency.

Innovation Solution

Utilizing quantum computing systems to perform combinatorial analysis of user location data and IoT data, generating encryption models that determine dynamic passwords and fraud alerts by evaluating multiple data states in superposition, thereby reducing computational resources required.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If traditional computing systems are used to perform encryption and fraud detection, then security can be maintained, but computing resources are excessively strained and transaction speed is reduced

Engineering Contradiction:
Improvetransaction processing speedVSAvoidcomputing resource consumption
Core Design Contradiction:
ProductivityVSUse of energy by moving object

Solution Approach 1:

The patent replaces traditional classical computing systems with quantum computing systems to perform encryption and fraud detection. Quantum computers use quantum mechanical phenomena (superposition and entanglement) to process multiple data states simultaneously, substituting the sequential processing of classical systems. This enables parallel evaluation of numerous encryption keys and fraud patterns without proportionally increasing physical computing resources, thereby improving transaction speed while reducing overall resource consumption.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent implements dynamic password generation that adapts to each transaction in real-time. Instead of static passwords, the system generates unique, time-varying encryption keys based on quantum processing of current transaction data. This dynamic approach allows the system to maintain high security while efficiently utilizing computing resources by focusing processing power only on active transactions rather than maintaining fixed cryptographic overhead.

Inventive Principle:
Principle #15Dynamics

2Reliability

If multiple data states are evaluated simultaneously to improve fraud detection, then detection accuracy improves, but computing resource requirements increase

Engineering Contradiction:
Improvefraud detection accuracyVSAvoidcomputational complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent changes the fundamental parameters of computation by transitioning from classical to quantum computing. This enables the system to evaluate multiple data states simultaneously through quantum superposition, where quantum bits can represent multiple values at once. The quantum computer processes fraud detection patterns in parallel across all possible states, achieving high detection accuracy without the exponential increase in computational complexity that would be required in classical systems.

Inventive Principle:
Principle #35Parameter changes

Solution Approach 2:

The patent applies quantum computing resources selectively to the most critical fraud detection tasks rather than uniformly across all processing. By using quantum algorithms to identify and focus computational effort on high-risk transactions or anomalous patterns, the system achieves accurate fraud detection without requiring excessive quantum computing resources for every single transaction, thereby managing computational complexity efficiently.

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS12483394B1Performing encryption services using combinatorial analysis of event data and IOT device data
Publication Date: 2025.11.25 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
  • US12483394B1 patent drawing
  • US12483394B1 patent drawing
  • US12483394B1 patent drawing

AI summary

A method may include receiving, via at least one qubit processor, input data comprising user location data associated with one or more locations of a user over a period of time and Internet-of-Things (IoT) data associated with the user. The method may then involve generating a quantum encryption model based on the input data. The quantum encryption model may apply encryption algorithms to subsets of the input data in superposition. Each subset may include at least one combination of at least a portion of the user location data and at least a portion of the IoT data. The method may then involve receiving dynamic input data that may include updated user location data and updated IoT data acquired after the input data, determining a dynamic password based on the quantum encryption model and the dynamic input data, and sending a notification including the dynamic password to a user device.