Voice and Device Key Authentication for Fraud Prevention

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Solution Overview

Problem

Current authentication methods for remote users are vulnerable to fraud when password or biometric data is captured and used maliciously, lacking robustness to prevent unauthorized access.

Innovation Solution

A system that authenticates users on communications devices by comparing a voice sample to a recorded voice pattern and a device identification key to a stored key, using a subsystem to verify the user's voice and device identity, enhancing security through multi-factor authentication.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If traditional authentication methods (password, biometric data) are used, then ease of operation is improved, but reliability deteriorates due to vulnerability to fraud when data is captured

Engineering Contradiction:

Improveease of authenticationVSAvoidsecurity against fraud

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent divides authentication into two separate factors: device identification (hardware-based) and voice pattern recognition (biometric). This segmentation ensures that even if one factor is compromised, the other remains secure, resolving the contradiction between ease of operation and reliability against fraud

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system introduces an intermediary verification layer that checks both device identity and voice patterns before granting authentication. This intermediary process enhances reliability by adding fraud detection capabilities while maintaining ease of operation through automated verification

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If multi-factor authentication (voice sample and device key) is implemented, then reliability is improved, but device complexity increases

Engineering Contradiction:

Improvesecurity against fraudVSAvoidauthentication system complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The authentication system performs self-verification by automatically comparing voice samples against stored patterns and device keys against registered identifiers. This self-service capability reduces the need for complex manual verification processes, maintaining reliability while managing device complexity

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

Voice patterns and device identifiers are pre-recorded and stored during device initialization. This preliminary action allows rapid authentication comparisons later, improving reliability through pre-established verification criteria while minimizing real-time processing complexity

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS10853816B1Systems and methods for authentication of an individual on a communications device

Publication Date: 2020.12.01 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

AI summary

A system for authenticating a user may comprise at least one subsystem that contacts a device associated with the user, at least one subsystem that receives a device identification key from the device, at least one subsystem that receives a signal comprising a voice sample from the device, at least one subsystem that compares a voice pattern of the voice sample to that of a previously recorded voice sample of the user, and at least one subsystem that compares the received device identification key to a previously stored device identification key associated with the device associated with the user.