Token-Based Access Processing for Fast Secure Mass Transactions
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Solution Overview
Problem
Existing access systems face challenges in processing transactions quickly and efficiently while maintaining security, and there is a need to reduce fraudulent access and unauthorized use of credentials without increasing infrastructure complexity.
Innovation Solution
A method involving an access operator computer that receives transaction requests, identifies tokens based on credentials, transmits pre-authorization requests, and aggregates transaction amounts for clearing, using a server computer with a processor and computer-readable medium to manage access and authorization processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If traditional access transaction processing is used, then security can be maintained, but transaction speed is slow and processing time exceeds a few seconds
Solution Approach 1:
The system performs preliminary actions by pre-establishing access credentials and tokens before actual access events occur. Credentials are validated and tokens are generated in advance, allowing rapid processing during actual access transactions without repeating the full authentication sequence, thus reducing processing time from seconds to near-instantaneous levels.
Solution Approach 2:
The patent introduces tokens as intermediary elements between credentials and access decisions. Instead of directly validating full credentials for each access event, the system uses tokens as intermediate representations that can be quickly validated. This intermediary layer enables fast transaction processing while maintaining security, as tokens are pre-linked to valid credentials but provide a faster validation path during actual access events.
2Reliability
If multiple messages are required for transaction processing, then security verification can be thorough, but processing complexity increases and delays occur
Solution Approach 1:
The patent merges multiple security verification steps into a single token validation operation. Instead of requiring separate messages for credential validation, token verification, and access authorization, the system combines these functions into one streamlined process where the token itself encapsulates the verification results. This merging reduces processing complexity while maintaining thorough security verification.
Solution Approach 2:
The system creates a simplified copy of the access authorization information in the form of tokens. These token copies contain essential verification data but in a condensed format that enables rapid validation without requiring the full original credential verification process. The token acts as a lightweight copy that preserves security verification while dramatically reducing processing complexity.
3Object-affected harmful factors
If access credentials are strictly controlled, then fraudulent access is prevented, but legitimate user access may be delayed
Solution Approach 1:
The system performs preliminary credential validation and token generation before actual access events occur. By pre-verifying credentials and issuing tokens in advance, the system ensures that legitimate users have already passed security checks, preventing fraudulent access while eliminating delays during legitimate access events. The token is ready for immediate use without requiring real-time verification.
Solution Approach 2:
The patent replaces the mechanical sequential verification process with a more efficient token-based system. Instead of performing full credential verification mechanically for each access event, the system substitutes this with rapid token validation. This substitution maintains strict control against fraudulent access while dramatically reducing the time required for legitimate users to gain access.
4Measurement precision
If transaction amounts are processed individually, then each transaction can be verified accurately, but processing efficiency decreases
Solution Approach 1:
The patent merges multiple individual transaction amount verifications into a single aggregated verification process. Instead of processing and verifying each transaction amount separately through multiple messages, the system combines them into one total amount that can be verified in a single operation. This merging maintains measurement precision for each individual transaction while dramatically improving processing efficiency by reducing the number of separate verification cycles.
Data Source
AI summary
Systems and method of managing mass access transactions are disclosed. One method includes receiving, by an access operator computer from an access device of an access provider, a first transaction request with a credential and first transaction amount. The access operator computer identifies a token, based on the credential, and transmits a pre-authorization request message with the credential and a pre-authorization amount, then receives a pre-authorization response message. The access operator computer then receives, from the access device or another access device, a second transaction request for a second transaction, with the credential and a second transaction amount. The access operator computer identifies the token and determines that the token has been used at the access provider. Then, a total amount is formed by aggregating the first transaction amount and the second transaction amount, and the access operator computer initiates the transmission of a clearing message including the total amount.