Multi-Level Secure Document Generation System

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Solution Overview

Problem

Paper resource distribution documents have limited multi-factor authentication, making them vulnerable to unauthorized access and manipulation, which necessitates enhanced security measures for secure generation and verification of resource distribution documents.

Innovation Solution

A system that allows users to generate digital resource distribution documents, such as checks, with multi-level security authentication, including a quick response code for encrypted details and device authorization, ensuring secure generation and verification through online or mobile platforms, and allowing only approved devices for check issuance.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If paper resource distribution documents are used, then ease of operation is improved, but security and authentication capability deteriorate

Engineering Contradiction:
Improveease of operationVSAvoidsecurity
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent segments the authentication process into multiple independent layers: device authorization, biometric verification, location validation, and document verification. Each layer operates independently but collectively provides comprehensive security, transforming a single weak paper document into a multi-faceted authentication system that maintains ease of use while dramatically improving security.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent creates a composite authentication system that combines physical elements (paper document, device hardware) with digital elements (biometric data, location coordinates, encryption keys). This composite approach integrates multiple authentication modalities into a unified system that preserves the simplicity of paper documents while adding robust security layers.

Inventive Principle:
Principle #40Composite materials

2Reliability

If multi-factor authentication is enhanced for paper documents, then security is improved, but device complexity deteriorates

Engineering Contradiction:
ImprovesecurityVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent implements self-service authentication where the user's mobile device automatically performs biometric verification, location tracking, and document validation without requiring manual intervention. The system autonomously manages the complexity of multi-factor authentication while presenting a simple interface to the user, effectively hiding the complexity behind an easy-to-use interface.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent performs preliminary device authorization and biometric registration before the actual document authentication process. By pre-configuring security credentials and authorizing trusted devices in advance, the system reduces the complexity burden during the actual authentication moment, as much of the verification work has already been completed beforehand.

Inventive Principle:
Principle #10Preliminary action

3Reliability

If device authorization and encryption are implemented, then misappropriation protection is improved, but ease of operation deteriorates

Engineering Contradiction:
Improvemisappropriation protectionVSAvoidease of operation
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent uses visual indicators such as color-coded security levels, highlighted verification checkpoints, and colored status indicators to guide users through the authentication process. These visual cues make the encrypted and authorized states immediately recognizable, maintaining ease of operation by providing intuitive feedback without requiring users to understand the underlying cryptographic complexity.

Inventive Principle:
Principle #32Color changes

Data Source

PatentUS10977624B2System for generating paper and digital resource distribution documents with multi-level secure authorization requirements
Publication Date: 2021.04.13 BANK OF AMERICA CORP
  • US10977624B2 patent drawing
  • US10977624B2 patent drawing
  • US10977624B2 patent drawing

AI summary

Embodiments of the invention are directed to systems, methods and computer program products for electronic generation of resource distribution documents via system integrated interface on a platform application. A user may input information for generating a digital resource distribution document via system controlled applications within the external platform application. The system may generate the resource distribution document for digital or physical use. Furthermore, the system deploys multi-level security authorization requirements for distribution of resources via the resource distribution documents. In this way, the system encrypts the information inputted into an encrypted scannable code; the system generates a digital photo of the generated document, and stores device information associated with the device that was used to generate the document. This multi-level authorization is reviewed by a receiving institution prior to authorizing deployment of resources from the generated resource distribution document.