Virtual Identity Card for Mobile Payment Authentication

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Solution Overview

Problem

Current payment systems on mobile devices lack effective authentication methods to verify the identity of users, leading to potential fraudulent transactions due to lax security settings and unknown or unverified identities of transacting parties.

Innovation Solution

A virtual identity card system that captures biometric and behavioral characteristics of users through continuous enrollment, dynamically adjusting a confidence level to authenticate and authorize transactions, ensuring that only authorized users can initiate transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If username and password authentication is used, then ease of operation is improved, but reliability deteriorates due to susceptibility to unauthorized access

Engineering Contradiction:

Improveease of operationVSAvoidreliability

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent replaces traditional mechanical authentication methods (username/password entry) with biometric authentication systems that capture physiological characteristics (fingerprint, facial recognition, iris scan) to verify user identity, thereby maintaining ease of operation while significantly improving reliability

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system introduces an intermediary authentication layer that combines biometric verification with device fingerprinting and behavioral analysis, creating a multi-factor authentication mechanism that sits between the user and the transaction system to prevent unauthorized access

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If continuous authentication monitoring is implemented, then reliability is improved, but use of energy worsens due to continuous processing requirements

Engineering Contradiction:

ImprovereliabilityVSAvoiduse of energy

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

The system implements periodic authentication monitoring instead of continuous monitoring, where biometric and behavioral data are captured at regular intervals during device usage, maintaining reliability while reducing energy consumption by allowing the system to enter low-power states between monitoring cycles

Inventive Principle:

Principle #19Periodic action

Solution Approach 2:

The authentication system operates autonomously by continuously analyzing device usage patterns, keystroke dynamics, and sensor data without requiring active user participation, thereby maintaining high reliability while minimizing additional energy consumption beyond normal device operation

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS11562362B1Systems and methods for a virtual identity card

Publication Date: 2023.01.24 WELLS FARGO BANK NA

AI summary

According to one example arrangement, a computer implemented method performed by a computing system, includes identifying a user device associated with a user. Authentication information regarding the user indicative of use of the user device is captured. A confidence level for the user is dynamically adjusted based on the authentication information. The confidence level is responsive to the use of the user device by the user.