Secure Data Object for Resource Transfer Integrity
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Solution Overview
Problem
Real-time resource transfers in networked environments face challenges such as errors, delays, and security risks due to lack of comprehensive security checks, exposing resources to unauthorized access and potential attacks.
Innovation Solution
A computing system generates a secure data object with a hash based on a transferee account identifier, signs it with a private key, and validates it using a public key, ensuring the integrity and authenticity of resource transfer requests, thereby preventing unauthorized access and ensuring secure data transfer.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If real-time resource transfers are processed quickly, then transfer speed and productivity are improved, but security risks and errors increase due to lack of comprehensive security checks
Solution Approach 1:
The system performs security validation actions before the resource transfer is executed. The transferee account management system generates a secure data object containing validated transfer parameters and sends it to the transferor account management system for verification, ensuring security checks are completed in advance of the actual transfer
Solution Approach 2:
A secure data object acts as an intermediary carrier between the transferee account management system and the transferor account management system. This intermediary contains the validated transfer parameters and enables secure communication without direct exposure of sensitive data, allowing fast transfer processing while maintaining security through the intermediary validation layer
2Reliability
If comprehensive security checks are performed, then security and reliability are improved, but processing time and delays increase
Solution Approach 1:
Security validation is performed in advance by the transferee account management system before the transfer request reaches the transferor system. The secure data object is generated with pre-validated parameters, reducing the time needed for security checks during the actual transfer processing
Solution Approach 2:
The security validation function is extracted from the transfer execution process and performed separately by the transferee account management system. This separation allows security checks to be completed in parallel with transfer preparation, reducing overall processing time while maintaining comprehensive security
3Reliability
If security validation is performed at the transferor account management system, then authentication is improved, but device complexity and processing steps increase
Solution Approach 1:
The secure data object serves as an intermediary that carries authentication information between systems. The transferor account management system receives this pre-validated data object and performs verification using the included public key, reducing the complexity of direct authentication while maintaining strong security
Solution Approach 2:
Instead of performing complex authentication directly on the transferor system, the system uses a copy of the public key (embedded in the secure data object) to verify the signature. This copying approach simplifies the verification process while maintaining authentication reliability
Data Source
AI summary
A computer-implemented method is disclosed. The method includes: receiving, via a client device, a resource transfer request for resources to be transferred to a transferee account; generating a secure data object based on request data of the resource transfer request, the secure data object including a first hash computed based on an input string comprising a transferee account identifier; signing the secure data object using a private key of a transferee resource account management system; and sending the signed secure data object to a messaging address associated with a transferor account.