Wearable Token Authentication via Visitation Pattern Analysis
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Solution Overview
Problem
Financial institutions face challenges in securely authenticating customers for transactions, particularly in ensuring the safety and protection of personal information, as existing methods may not adequately account for regular customer visitation patterns, leading to potential security vulnerabilities.
Innovation Solution
An apparatus and method that utilize a wearable device to receive a token for user authentication based on a visitation pattern, accessing a customer's visitation history to determine if the current visit falls within a recognized pattern, and subsequently authenticating the customer for transactions, with varying levels of authentication required depending on the pattern match.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional authentication methods are used for all customers, then security is maintained at a consistent level, but customer convenience deteriorates due to requiring full authentication credentials for every transaction
Solution Approach 1:
The authentication system dynamically adjusts the required authentication level based on the customer's visitation pattern. Regular customers with established patterns receive reduced authentication requirements, while new or irregular customers undergo full authentication. This dynamic adaptation resolves the contradiction by making authentication requirements flexible rather than static.
Solution Approach 2:
The system changes the authentication parameter (level of credentials required) based on the visitation pattern analysis. By monitoring and analyzing customer visitation behavior over time, the system adjusts authentication stringency as a variable parameter, allowing convenient access for trusted patterns while maintaining high security for unrecognized patterns.
2Reliability
If full authentication credentials are required for every transaction, then security is improved, but transaction processing time increases
Solution Approach 1:
The system applies partial authentication action for customers with recognized visitation patterns, requiring only verification of the pattern match rather than full credentials. This partial action is sufficient for security purposes when the pattern is recognized, thereby reducing processing time while maintaining adequate security for routine transactions.
Solution Approach 2:
The system performs preliminary analysis of visitation patterns in advance, building a profile of customer behavior over time. This preliminary action enables the system to quickly determine authentication requirements at the time of transaction, avoiding the need for full credential verification when the pattern is already established and recognized.
3Ease of operation
If authentication requirements are reduced for regular customers, then customer experience is improved, but security vulnerability increases for unrecognized patterns
Solution Approach 1:
The system continuously monitors and analyzes visitation patterns, providing feedback on customer behavior. When a deviation from the established pattern is detected, the system responds by increasing authentication requirements. This feedback loop ensures that reduced authentication for regular customers does not create security vulnerabilities, as the system adapts to detect and respond to suspicious or unrecognized patterns.
Solution Approach 2:
The visitation pattern analysis acts as an intermediary between the customer and the authentication decision. Rather than directly requiring full credentials or granting automatic access, the system uses pattern recognition as an intermediate assessment layer that determines the appropriate authentication level, balancing convenience and security based on behavioral evidence.
Data Source
AI summary
Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.