Dynamic Resource Channel Mapping for P2P Authentication

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Solution Overview

Problem

There is a disconnect in authorization between peer-to-peer (P2P) resource transfers and traditional resource transfer methods, leading to a need for a system that can dynamically authenticate and map resource channels for seamless access.

Innovation Solution

A system that electronically receives user requests, retrieves user information, queries a resource channel repository, and automatically triggers a resource channel mapping engine to link authorization procedures between multiple resource channels, generating authentication prompts and verifying credentials to authorize access.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Speed

If P2P resource transfer is implemented without traditional intermediaries, then transaction speed and user control are improved, but authorization reliability and security are worsened

Engineering Contradiction:
Improvetransaction speedVSAvoidauthorization reliability
Core Design Contradiction:
SpeedVSReliability

Solution Approach 1:

The patent introduces an authorization service as a mediator between P2P resource transfers and traditional resource transfer methods. This service receives resource channel mapping information from both systems, correlates them through a common identifier, and provides unified authorization. The intermediary resolves the contradiction by maintaining security through centralized authorization while enabling fast P2P transfers through pre-established channel mappings.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary actions by pre-establishing resource channel mappings between P2P channels and traditional channels before actual resource transfers occur. The authorization service pre-correlates channel identifiers and prepares authorization frameworks in advance, allowing rapid P2P transactions to proceed without real-time intermediation while maintaining security through pre-validated authorization rules.

Inventive Principle:
Principle #10Preliminary action

2Adaptability or versatility

If multiple resource channels are integrated for flexible access, then adaptability is improved, but system complexity is worsened

Engineering Contradiction:
Improveresource channel adaptabilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The authorization service is designed as a universal system that handles multiple resource channel types (P2P transfers, traditional transfers, payment instruments) through a single unified interface. It uses a common identifier system that works across all channel types, allowing the same authorization mechanism to serve multiple functions and channels without requiring separate complex systems for each channel type.

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

Solution Approach 2:

The authorization service acts as an intermediary layer that abstracts the complexity of multiple resource channels. Instead of directly managing the complexity of integrating various channels, the service receives mapping information from all channels, correlates them through a unified identifier system, and provides simplified authorization decisions, thereby reducing overall system complexity while maintaining adaptability.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Reliability

If dynamic authentication is implemented across different resource channels, then security is improved, but processing time is worsened

Engineering Contradiction:
ImprovesecurityVSAvoidprocessing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary authentication setup by establishing resource channel mappings and correlating identifiers in advance. Authentication frameworks and authorization rules are prepared beforehand for each channel type. When resource transfers occur, the pre-established mappings allow rapid authentication decisions without real-time complex verification, thus maintaining security while reducing processing time.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The authorization service implements feedback mechanisms where authentication decisions and authorization outcomes from one resource channel can inform and streamline authentication for other channels. The system learns from authentication patterns across channels and uses this feedback to optimize future authentication processes, reducing processing time while maintaining or improving security through adaptive authentication policies.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS20230216916A1System for triggering resource channel mapping for dynamic authentication
Publication Date: 2023.07.06 BANK OF AMERICA CORP
  • US20230216916A1 patent drawing
  • US20230216916A1 patent drawing

AI summary

Systems, computer program products, and methods are described herein for triggering resource channel mapping for dynamic authentication. The present invention is configured to receive, from a user input device, a request from a user to access resources via a first resource channel; retrieve information associated with the user; query a resource channel repository using the information associated with the user; retrieve, from the resource channel repository, information associated with a second resource channel based on at least the query, wherein the second resource channel is associated with the user; in response, automatically trigger a resource channel mapping engine; map, using the resource channel mapping engine, the second resource channel and the first resource channel; and in response, authorize the request to access the resources via the first resource channel.