Secondary User Authentication System for Resource Distribution

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Conventional systems are inefficient in creating new resource pools and exclude users who do not meet eligibility requirements from performing resource distributions, necessitating a system that can efficiently generate new resource pools and allow secondary users to participate in resource distribution, even if they do not meet eligibility criteria.

Innovation Solution

A system that authenticates and tracks resource distributions for secondary users by generating user credentials, associating them with primary user IDs, processing resource distribution requests, and managing threshold limits, allowing secondary users to interact with resource pools without needing separate accounts, while ensuring primary user approval for transactions exceeding set limits.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If conventional systems create new resource pools for each user, then resource management is secure and controlled, but the process takes a lot of time and involves elaborate procedures

Engineering Contradiction:
Improveresource pool creation efficiencyVSAvoidprocess complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent merges multiple resource pool operations into a single bulk creation process. Instead of creating resource pools individually for each user through elaborate procedures, the system allows batch creation of resource pools for multiple users simultaneously, significantly improving efficiency while maintaining security controls through centralized management.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The system performs preliminary actions by pre-configuring resource pool templates and eligibility criteria in advance. This allows the bulk creation process to quickly instantiate resource pools without requiring elaborate real-time processing, as the framework and validation rules are already established beforehand.

Inventive Principle:
Principle #10Preliminary action

2Adaptability or versatility

If conventional systems require users to meet eligibility requirements, then resource distribution is controlled and secure, but users who do not meet requirements are excluded from resource distributions

Engineering Contradiction:
Improveuser participation flexibilityVSAvoideligibility control reliability
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The patent segments the user base into primary users and secondary users with different access levels. Primary users who meet eligibility requirements maintain full control and approval authority, while secondary users who do not meet requirements can still access resources under supervised modes. This segmentation allows the system to accommodate diverse user needs while maintaining security through layered control mechanisms.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system introduces an intermediary approval mechanism where primary users act as mediators for secondary users' resource distribution requests. Secondary users can initiate resource distribution actions, but transactions exceeding threshold limits require approval from primary users. This intermediary layer enables broader participation while preserving eligibility-based control through the primary user approval process.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Productivity

If secondary users can perform resource distributions without separate accounts, then operational efficiency improves, but authentication and tracking become more complex

Engineering Contradiction:
Improveoperational efficiencyVSAvoidauthentication system complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent implements a universal authentication framework where a single sign-on mechanism serves multiple functions: authenticating primary users, registering secondary users, validating resource distribution requests, and tracking transactions. This multi-functional authentication system improves operational efficiency by eliminating the need for separate accounts while managing complexity through centralized credential verification and unified session management.

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

4Reliability

If the system monitors resource distribution requests in real-time, then security and control are maintained, but processing time increases

Engineering Contradiction:
Improvetransaction control reliabilityVSAvoidprocessing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system applies partial monitoring by implementing threshold-based validation. Resource distribution requests within pre-defined threshold limits for secondary users are processed automatically without requiring primary user approval, while only transactions exceeding these thresholds trigger real-time monitoring and approval workflows. This partial action approach maintains security for high-value transactions while reducing processing time for routine operations.

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS11700259B2Authentication and tracking system for secondary users of a resource distribution processing system
Publication Date: 2023.07.11 BANK OF AMERICA CORP
  • US11700259B2 patent drawing
  • US11700259B2 patent drawing
  • US11700259B2 patent drawing

AI summary

Embodiments of the present invention provide a system for authenticating and tracking resource distributions of secondary users. The system is configured for receiving a registration request from a primary user, wherein the registration request is associated with registration of one or more secondary users, in response to receiving the request, generating user credentials for each of the one or more secondary users, associating the user credentials with a primary user identification of the primary user, receiving a resource distribution request from a secondary user of the one or more secondary users, authenticating the secondary user, and processing the resource distribution request based on authenticating the secondary user.