Transaction Message Authentication for Mobile Fraud Verification

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Solution Overview

Problem

Users of network-based finance systems are vulnerable to fraudulent data transaction messages that deceive them into transferring funds to fraudsters, as these messages often appear legitimate and are difficult to distinguish from genuine transactions.

Innovation Solution

Implementing a data transaction message authenticator on mobile devices that utilizes text recognition, machine learning, and artificial intelligence to identify transaction information, and communicates with a transaction service for verification, flagging messages as fraudulent or verified based on comparison with user account data.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users manually verify transaction messages to distinguish fraudulent from legitimate transactions, then security can be improved, but user time and effort increase significantly

Engineering Contradiction:

Improvetransaction message authenticityVSAvoiduser verification time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs automatic authentication of transaction messages using the data transaction message authenticator, which independently verifies messages against the transaction service without requiring user intervention. This self-service mechanism resolves the contradiction by maintaining high security through automated verification while eliminating the time loss associated with manual user verification.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The data transaction message authenticator acts as an intermediary between the user and the transaction service, automatically authenticating messages and presenting only verified information to the user. This intermediary function resolves the contradiction by handling the time-consuming verification process in the background while providing secure, reliable transaction information to the user.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If comprehensive authentication processes are implemented to verify all transaction messages, then fraud detection improves, but system resource consumption increases

Engineering Contradiction:

Improvefraud detection accuracyVSAvoidmobile device processing energy

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

The authentication system is segmented into two parts: a lightweight data transaction message authenticator on the mobile device that performs initial filtering and basic verification, and a comprehensive authentication service on the remote server that performs detailed verification. This segmentation resolves the contradiction by performing most heavy processing remotely while maintaining accurate fraud detection, thus reducing mobile device energy consumption.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs partial authentication locally on the mobile device for quick filtering of obviously fraudulent messages, and only sends messages requiring full verification to the remote service. This partial action approach resolves the contradiction by maintaining high fraud detection accuracy while minimizing the energy-consuming comprehensive authentication process to only when necessary.

Inventive Principle:

Principle #16Partial or excessive action

3Ease of operation

If automatic authentication is implemented to reduce user interaction, then ease of operation improves, but device complexity increases

Engineering Contradiction:

Improveuser interaction requirementVSAvoidauthentication system complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The data transaction message authenticator serves as an intermediary component that automatically handles the complexity of authentication processes while presenting a simple interface to the user. This intermediary resolves the contradiction by encapsulating complex verification logic within the authenticator module, thereby improving ease of operation while containing device complexity within a dedicated, manageable component.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The data transaction message authenticator is designed as a multi-functional module that can handle various types of transaction messages, perform different verification methods, and interface with multiple transaction services. This universality resolves the contradiction by consolidating multiple authentication functions into a single integrated component, improving ease of operation while managing device complexity through functional consolidation rather than proliferation of separate systems.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS20260004302A1Authentication for data transaction messages

Publication Date: 2026.01.01 MOTOROLA MOBILITY LLC

AI summary

Techniques for authentication for data transaction messages are described and are implementable to authenticate a received message that is determined to be a data transaction message. In implementations, transaction information can be extracted from the data transaction message to be used in generating an authentication request. The authentication request can be used to determine a legitimacy status of the data transaction message. The data transaction message can be processed based at least in part on the legitimacy status of the transaction message. In implementations, the data transaction message can be processed by amending the data transaction message and outputting an amended message via a mobile device.