Supervised Model User Identification System
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Solution Overview
Problem
Users face difficulties in remembering usernames and passwords for online accounts, leading to cumbersome login processes, potential account duplication, and inefficient access to purchase details across multiple merchant websites, which impede transactions and user experience.
Innovation Solution
A system that uses a supervised model to identify users based on minimal top-of-mind information, associating transactions with asset information such as email addresses or phone numbers, allowing access to transaction details without requiring complex passwords or credentials, and linking multiple transactions to a single user identity for streamlined access.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users are required to remember usernames and passwords for online accounts, then security is improved, but ease of operation deteriorates due to difficult recall and cumbersome login processes
Solution Approach 1:
The system enables users to authenticate themselves automatically without manual credential input. The supervised model identifies users based on transaction details and asset information, allowing the system to self-determine user identity without requiring users to actively remember or input passwords, thus resolving the contradiction between security and convenience
Solution Approach 2:
The patent replaces the mechanical password-input system with an automated supervised learning model that analyzes transaction patterns and asset information. This substitution eliminates the need for users to manually enter credentials while maintaining security through intelligent pattern recognition and verification
2Reliability
If users are required to create accounts with each merchant, then security and account management are improved, but device complexity increases due to managing multiple credentials across different platforms
Solution Approach 1:
The supervised model serves as a universal authentication mechanism that works across multiple merchant platforms. Instead of requiring separate credential management for each merchant, the model provides a multi-functional identification system that recognizes users based on their transaction history and asset information across different platforms, reducing credential management complexity while maintaining security
Solution Approach 2:
The patent merges multiple authentication credentials and identity verification processes into a single unified system. By combining transaction details, asset information, and pattern recognition into one supervised model, the system consolidates what would otherwise require multiple separate credential sets, reducing the complexity of managing accounts across different merchants
3Reliability
If traditional authentication methods are used, then security verification is improved, but productivity deteriorates due to time-consuming login processes and potential account duplication
Solution Approach 1:
The system performs preliminary authentication by analyzing transaction details and asset information before the actual transaction occurs. The supervised model pre-verify user identity based on patterns from previous transactions and registered asset information, eliminating the need for time-consuming login processes during transactions and preventing account duplication issues beforehand
Data Source
AI summary
A first set of records and a second set of records different from the first set of records are obtained. A score that indicates indicating confidence that the first set of records and the second set of records correspond to a same individual is computed. As a result of the score reaching a value relative to a threshold, a device of an individual associated with the second set of records is caused to prompt the individual to confirm control of a first asset identified by first data within the first set of records. A message to a destination associated with the first asset is provided. As a result of a response to the message indicating that the individual is the same individual, an association between the second set of records and the first asset is stored and the device is caused to display details about the first and second sets of records.