Session Token for Seamless Multi-System Authentication
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Solution Overview
Problem
Customers of financial institutions face irritation and diminished loyalty due to the need to repeatedly authenticate themselves when interacting with multiple systems or representatives, as existing authentication systems require multiple credentials and do not effectively recognize or value the customer across different transactions.
Innovation Solution
A computer-implemented system and method that generates a token representing an active session, allowing seamless authentication across multiple systems and personnel within a financial institution, using methods like near field communication, Bluetooth low energy, or mobile apps, while providing relevant customer information to enhance the interaction experience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication systems require customers to provide identification and credentials for each interaction, then security verification is ensured, but customer convenience and satisfaction deteriorate due to repeated authentication requirements
Solution Approach 1:
The system performs authentication in advance by generating a token that represents the authenticated customer identity. This token is then reused across multiple interactions with different systems and personnel, eliminating the need for repeated authentication while maintaining security. The preliminary authentication action resolves the contradiction by ensuring security once upfront rather than repeatedly.
Solution Approach 2:
The patent introduces a token as an intermediary element that mediates between the authentication process and subsequent interactions. The token carries the authenticated identity information and serves as a portable credential that can be transferred between customers, systems, and personnel without requiring re-authentication, thus improving convenience while preserving security.
2Adaptability or versatility
If customers interact with multiple systems and representatives, then comprehensive service is provided, but authentication time and complexity increase with each additional interaction
Solution Approach 1:
The authentication token is designed as a universal credential that can be used across multiple different systems, personnel, and interaction types within the financial institution. A single token enables the customer to access various services (ATM, teller, specialist) without needing separate authentication for each, thus providing comprehensive service while minimizing authentication time.
Solution Approach 2:
By performing authentication once in advance and creating a reusable token, the system prepares the customer identity for multiple future interactions. This preliminary action eliminates the need to spend authentication time repeatedly when moving between different services and personnel, resolving the time loss issue.
3Reliability
If traditional systems require separate authentication for each transaction, then system security is maintained, but customer loyalty and perception of institutional value diminish
Solution Approach 1:
The token acts as an intermediary that carries customer identity information throughout the institution. When the token is transferred to different systems or personnel, it automatically provides recognition information about the customer, enabling them to be valued and recognized across the organization without compromising system security.
Solution Approach 2:
The system performs customer recognition and identity establishment in advance through token generation. This preliminary action ensures that customer information is available to all subsequent interactions, allowing the institution to demonstrate recognition and value to the customer across multiple touchpoints while maintaining security.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Facilitates one-time, seamless authentication and enhances customer experience by providing timely information to personnel, reducing the need for repeated authentication and improving customer loyalty by demonstrating recognition and value from the financial institution.
Implementation Method 1
The token representing the active session may be passed to different systems or personnel at the financial institution via different methods, such as by physical swipe (e.g., with a transaction card having a magnetic strip), tap (e.g., near field communication (NFC) transmission)
Implementation Method 2
The token representing the active session may be passed to different systems or personnel at the financial institution via different methods, such as by physical swipe (e.g., with a transaction card having a magnetic strip), tap (e.g., near field communication (NFC) transmission), Bluetooth low energy (BLE) transmission through the user's mobile device
Data Source
AI summary
The invention relates to a computer-implemented system and method for authenticating a customer of a business. The method may include the steps of: receiving from the customer at least one item of identifying information; confirming the identity of the customer; generating a token that represents an active session in which the customer interacts with one or more systems or personnel at the business; conducting a first set of communications between the customer and a first system of the business; inquiring with the customer as to whether the customer desires to transfer the active session to a second system at the business or to a third party system; and transferring the active session using the token to the second system or the third party system. The method may also comprise the steps of retrieving background information on the customer to assist a representative of the business in assisting the customer.