Safe Logon Credentialing for Trusted Online Transactions

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Solution Overview

Problem

Existing methods for user authentication and vendor verification in online transactions expose user credentials and introduce friction due to arbitrary credentialing semantics, making it difficult to establish mutual trust between users and vendors.

Innovation Solution

A cyber-security system that verifies user identities and audits vendor policies, providing a safe logon mechanism to ensure compliance with privacy and data sharing standards, and recommends alternative vendors that match user privacy preferences.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If current authentication methods are used, then user identity can be verified, but user credentials are exposed and transaction friction increases

Engineering Contradiction:

Improveuser identity verificationVSAvoidcredential exposure

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent introduces a safe logon button as an intermediary component that mediates between the user's credentials and the vendor's authentication system. The button contains embedded credential fields that are pre-populated with user information, allowing authentication without direct credential transmission to the vendor, thus resolving the contradiction between verification reliability and credential exposure

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary actions by pre-populating credential fields within the safe logon button before the actual authentication transaction. User credentials are securely stored and automatically filled in the button's embedded fields, eliminating the need for users to manually enter credentials and preventing credential exposure during the authentication process

Inventive Principle:

Principle #10Preliminary action

2Reliability

If third party verification services are used, then mutual trust can be established, but transaction friction increases

Engineering Contradiction:

Improvemutual trustVSAvoidtransaction friction

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent merges the safe logon button functionality with the authentication process itself, combining trust verification and credential authentication into a single integrated component. This consolidation eliminates the need for separate third-party verification steps, maintaining mutual trust while reducing transaction friction by streamlining the authentication flow

Inventive Principle:

Principle #5Merging (Combining)

3Extent of automation

If arbitrary credentialing semantics are used, then authentication can be performed, but vendor acceptance decreases

Engineering Contradiction:

Improveauthentication capabilityVSAvoidvendor acceptance

Core Design Contradiction:

Extent of automationVSAdaptability or versatility

Solution Approach 1:

The safe logon button is designed as a universal authentication component that can be deployed across multiple vendor platforms. The button's standardized structure and pre-populated credential fields make it adaptable to different vendor systems, eliminating arbitrary credentialing semantics and enabling broad vendor acceptance while maintaining automated authentication capability

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS12568071B2Safe logon

Publication Date: 2026.03.03 ALLSTATE INSURANCE COMPANY

AI summary

Methods, computer-readable media, software, and apparatuses are provided to assist a user and vendor in completing an online trusted transaction. Trusted vendor websites are verified and user identities are confirmed through a cyber-security safe logon credentialing system. The vendor can be confident that the user identity has been verified to be who they say they are and the user can be confident that they are using a trusted verified vendor website.