Silent Push Authentication for Flagged Transaction Verification
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Solution Overview
Problem
Current client authentication methods are vulnerable to improper access and unauthenticated transactions, necessitating enhanced security measures to prevent fraud and identity theft.
Innovation Solution
Utilizing silent push notifications to verify a user's location during flagged transactions through a trusted device, employing machine learning to assess security levels and initiate additional verification steps when necessary.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods are used, then client experience is simple, but security is vulnerable to improper access and fraud
Solution Approach 1:
The patent introduces silent push notifications as an intermediary mechanism that operates in the background without requiring direct user interaction. The notification system mediates between the authentication system and the client device, collecting device data and location information automatically, thereby enhancing security without increasing the perceived complexity for the user.
Solution Approach 2:
The authentication system performs self-service by automatically collecting device data, determining location, and assessing security levels without requiring user intervention. The silent push notification triggers automatic authentication procedures, and the system independently evaluates security signals and makes authentication decisions, reducing the burden on users while maintaining high security standards.
2Reliability
If additional security verification steps are added, then fraud prevention improves, but transaction processing time increases
Solution Approach 1:
The system performs preliminary security assessments by continuously collecting device data and location information in the background before transactions occur. Silent push notifications are sent in advance to gather authentication signals, so when a transaction is initiated, the security evaluation is already complete or can be quickly finalized, eliminating delays during the actual transaction process.
Solution Approach 2:
The authentication system implements feedback mechanisms where device data and location information are continuously monitored and fed into security assessment models. This real-time feedback allows the system to dynamically adjust security levels based on risk indicators, enabling quick decision-making during transactions without requiring lengthy verification processes for low-risk operations.
3Reliability
If silent push notifications are used to collect device data, then authentication security is enhanced, but user privacy concerns increase
Solution Approach 1:
The patent extracts only the minimum necessary data elements required for authentication purposes from the device, such as device identifiers, location information, and security signals. By selectively taking out only these specific data points and not accessing broader user information, the system enhances authentication security while minimizing privacy intrusion through targeted, purpose-limited data collection.
Data Source
AI summary
Systems and methods for sending a silent push notification to a mobile device application (“MDA”) enabling a flagged transaction. The systems and methods may include receiving, by a computing processor, a request for a transaction. The systems and methods may include analyzing, by the computing processor, the transaction to determine a security level. The systems and methods may include generating, by a machine learning model (“MLM”) on the computing processor, a first security score for the transaction, the first security score based on the security level. The systems and methods may include flagging, by the computing processor, the transaction when the first security score is below a threshold security score. The systems and methods may include sending, by the computing processor via a server cloud, a silent push notification to a trusted user device. The silent push notification may include a notification payload with security data from the flagged transaction.