Trust Score Authentication for Mobile Financial Access
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Solution Overview
Problem
Conducting financial transactions from mobile electronic computing devices, such as smartphones, poses challenges regarding user authentication, as existing methods often require manual entry of user IDs and passwords, which can be cumbersome and insecure.
Innovation Solution
A method that calculates a trust score for users based on their location, interaction with Internet of Things (IoT) devices, answers to dynamic and static questions, and behavioral biometric data, allowing for secure authentication without manual password entry by determining if the trust score meets certain thresholds.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual password entry is required for authentication, then security can be maintained through traditional methods, but user convenience and operational ease deteriorate
Solution Approach 1:
The system performs automatic authentication by having the mobile device self-report location data and the system automatically verifying trust scores without requiring manual password entry, making the authentication process convenient while maintaining security
Solution Approach 2:
The system dynamically adjusts authentication parameters by calculating trust scores based on location data and device identifiers, replacing static password verification with dynamic parameter-based authentication that maintains security while improving user experience
2Device complexity
If traditional authentication methods are used, then implementation simplicity is maintained, but security against unauthorized access deteriorates
Solution Approach 1:
The authentication system is segmented into multiple independent verification components including location verification, device identifier matching, and trust score calculation, allowing each component to contribute to overall security without requiring complete system redesign
Solution Approach 2:
The system combines multiple authentication factors (location data, device identifiers, trust scores) into a composite authentication mechanism that provides enhanced security while maintaining implementation feasibility through modular integration
3Device complexity
If static authentication methods are used, then system simplicity is maintained, but adaptability to different user contexts deteriorates
Solution Approach 1:
The system transitions from static password verification to dynamic trust score-based authentication that adapts to different user contexts, locations, and device states, allowing the authentication requirements to change based on real-time conditions while maintaining system manageability
Data Source
AI summary
A method for authenticating a user of a mobile electronic computing device to perform operations on a first electronic computing device includes receiving a request to access the first electronic computing device. In response to the request to access, a first identifier is sent to the mobile electronic computing device. A second identifier is received from a second electronic computing device. The second electronic computing device is different from the mobile electronic computing device. A determination is made as to whether the first identifier matches the second identifier. When the first identifier matches the second identifier, a trust score is calculated for the user. A determination is made as to whether the trust score is equal to or greater than a threshold. When the trust score is equal to or greater than the threshold, the user is authenticated to login to the first electronic computing device.