Secure Online Transactions via Dynamic Device Restrictions

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Solution Overview

Problem

Existing secure online transaction systems, even when using HTTPS, are vulnerable to side-channel attacks and lack control over user devices, leading to potential security breaches and resource depletion due to application, bandwidth, and traffic attacks.

Innovation Solution

Implementing a system with multiple communication tunnels, dynamic IP addresses, and device access limitations, managed by client and server security modules, which negotiate and enforce restrictions on device properties such as open applications and ports, and generate unique identifiers for secure transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If HTTPS is used for securing communications, then authentication and protection from man-in-the-middle attacks is improved, but vulnerability to side-channel attacks and lack of control over user devices persists

Engineering Contradiction:
Improveauthentication and protection from man-in-the-middle attacksVSAvoidside-channel attacks and lack of control over user devices
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent segments the communication process into distinct phases (setup phase and transaction phase) with different security measures. During the setup phase, device properties are assessed and restrictions are configured. During the transaction phase, those restrictions are enforced while HTTPS provides encryption. This segmentation allows HTTPS to handle authentication while additional controls address side-channel vulnerabilities.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The system performs preliminary actions by assessing device properties and configuring security restrictions before the actual transaction occurs. The server evaluates client device characteristics during the setup phase and pre-configures appropriate security restrictions, which are then enforced during the transaction. This preliminary configuration ensures that security controls are in place before sensitive operations begin.

Inventive Principle:
Principle #10Preliminary action

2Reliability

If device control measures are implemented to prevent attacks, then security against application and bandwidth attacks is improved, but device complexity and user convenience deteriorate

Engineering Contradiction:
Improvesecurity against application and bandwidth attacksVSAvoidcontrol measures and restrictions on device properties
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The security restrictions are dynamic rather than static. The system adjusts the level of restrictions based on the assessed device properties and the specific transaction context. Different clients receive different restriction profiles tailored to their device characteristics and risk profiles. This dynamic approach provides strong security where needed while maintaining flexibility and user convenience where appropriate.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system changes security parameters (such as which applications are restricted, port configurations, and resource limits) based on device properties and transaction requirements. Rather than applying a one-size-fits-all approach, the server modifies security parameters dynamically according to the specific client device characteristics and the nature of the transaction being performed.

Inventive Principle:
Principle #35Parameter changes

3Reliability

If transaction data is retained for auditing purposes, then accountability and security monitoring are improved, but risk of data breach and resource depletion increases

Engineering Contradiction:
Improveaccountability and security monitoringVSAvoidrisk of data breach and resource depletion
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The system implements a policy of discarding transaction data after it has served its auditing and monitoring purpose. Rather than indefinitely retaining sensitive transaction data, the system maintains it only for the necessary duration to fulfill security monitoring and accountability requirements, then securely discards it. This reduces the attack surface and potential impact of data breaches while maintaining necessary security oversight.

Inventive Principle:
Principle #34Discarding and recovering

Data Source

PatentUS11595425B1Secure online transactions
Publication Date: 2023.02.28 WELLS FARGO BANK NA
  • US11595425B1 patent drawing
  • US11595425B1 patent drawing
  • US11595425B1 patent drawing

AI summary

A user device and a server conduct a secure online transaction. The user device transmits received user login and credentials to the server, as well as one or more properties of the user device, such as a list of applications stored on the user device. The server transmits one or more restrictions back to the user device, such as which ports to close, which applications to close, and what features of applications and the operating system should be limited during the transaction. After implementing the restrictions, the user device and the server conduct the online transaction. A unique ID may be transmitted throughout the transaction and the unique ID may be a hash. After the transaction, the user device purges transaction data, restores normal operation, and notifies the server. The transaction may be conducted in a second tunnel and the other communication via a first tunnel.