Web Service Authentication Using Device Tokens and Biometrics

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Solution Overview

Problem

Existing web service authentication methods are vulnerable to fraud from keylogging programs, compromising server security and efficiency.

Innovation Solution

A system and method using a smart device app with a secure token and biometric authentication to verify user identity, allowing secure web service access without entering credentials directly on the web page.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If conventional username and password authentication is used, then ease of operation is improved, but security is worsened due to vulnerability to keylogging fraud

Engineering Contradiction:
Improveease of authenticationVSAvoidsecurity
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent introduces an intermediary authentication mechanism using device-specific tokens and biometric verification. Instead of directly entering credentials on the web page (which exposes them to keyloggers), the system uses a trusted device as an intermediary that holds the token and performs biometric authentication locally. This intermediary approach eliminates direct credential entry while maintaining ease of use through automated token presentation.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical keyboard input system (typing username and password) with biometric authentication (fingerprint, facial recognition, or other physiological traits). This substitution eliminates the vulnerability to keylogging while maintaining user convenience, as biometric authentication is as easy as the previous method but secure against credential theft.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If server systems take extra precautions to detect malicious parties, then security is improved, but computing efficiency is worsened

Engineering Contradiction:
ImprovesecurityVSAvoidcomputing efficiency
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The patent performs security verification in advance by binding device identifiers to user accounts during registration and authentication. The server pre-validates that the token originates from a registered device before processing the authentication request. This preliminary action eliminates the need for complex real-time fraud detection during login, maintaining security while improving processing efficiency.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent uses device identifiers (such as hardware IDs or device tokens) as immutable copies of the physical device's identity. These identifiers serve as reliable fingerprints that the server can verify without complex analysis. By copying and verifying these stable device characteristics, the system achieves secure authentication with minimal computational overhead compared to analyzing behavioral patterns or multiple verification steps.

Inventive Principle:
Principle #26Copying

Data Source

PatentUS20250392587A1System and method for authenticating a user to provide a web service
Publication Date: 2025.12.25 CHARLES SCHWAB & CO INC
  • US20250392587A1 patent drawing
  • US20250392587A1 patent drawing
  • US20250392587A1 patent drawing

AI summary

A system and method provides access to one or more web services by capturing a human perceptible rendering on a separate device.