Protocol Authorisation TRIZ Cases
- Offline Mobile Payment Authorization with Digital Signatures
A mobile payment authorization method generates digital signatures using private and public keys to authenticate transactions without internet connectivity.
- Authentication Platform Identity Insight Injection
An authentication platform generates identity insight result data using historical consumer identity data to enhance authorization requests.
- Jurisdictional Logic System for Automated Financial Compliance
A jurisdictional logic system generates configurable transaction arrays to automate financial regulatory compliance checks.
- Mobile Payment Authentication Using Verification Identity Tokens
A mobile payment method uses a verification identity token to authenticate transactions via a server.
- Contactless Card Cryptogram Verification for Digital Transaction Security
Mobile devices verify contactless card cryptograms to prevent fraud in high-risk digital transactions.
- Biometric Password Recovery for Mobile Device Security
A mobile device uses biometric signals to recover lost passwords and authorize transactions.
- Blockchain Double-Spend Relay via Miner Reputation
A blockchain relay mechanism forwards double-spend notifications to nodes.
- Tokenized Card Information Generation and Transmission
A tokenization server generates a token key based on location information within files stored on a user device.
- Cross-Modality Interaction Continuity via Backend State Management
Backend state management preserves interaction context between in-person and metaverse devices, eliminating repeated authentication steps.
- Digital Wallet Fraud Guard Agent for Early Transaction Risk Assessment
A digital wallet fraud guard agent monitors transaction context data to provide real-time threat assessments before payment initiation.
- Secure Payment System with ACH Backup and Real-Time Surcharges
A payment system processes transactions using primary ACH entries backed by credit cards.
- Intelligent Transaction Issue Notification System
A shared platform uses adaptive thresholds and pattern recognition to detect suspicious transactions early, preventing costly reversals.
- Transaction Scoring via Delivery Receipt Analysis
Analyzing delivery receipt history generates confidence metrics that reduce processor load and network bandwidth usage.
- Secure Element Payment Encryption for Fraud Reduction
A mobile payment application encrypts transaction data via a secure element, isolating credentials from malicious merchant apps to reduce fraud risk.
- Transaction Alias Mediator for Secure Real-Time Verification
A transaction platform generates and manages user aliases to facilitate secure resource transfers without exposing sensitive identifying information.
- Third-Party Access to Secure Hardware via Segmented Subsystems
A mobile device architecture separates secure and normal subsystems to allow trusted third-party applications controlled access to restricted hardware features.
- Unified Wallet Architecture for Multi-Account Payment Security
A unified wallet application merges multiple financial accounts into a single interface.
- Transaction Management Using Sensor-Based User State Assessment
A system analyzes biometric sensor data to determine user physical and emotional states for secure transaction processing.
- Centralized Switchboard for Contactless Card Authentication
A centralized switchboard manages contactless card authentication and payment transactions via NFC communication.
- Distributed Fraud Scoring System for Payment Redundancy
A distributed fraud risk scoring system segments transactions by bank identification number parity across independent computing devices.
- Acquirer-Based Mobile Device Authentication for Payment Security
Acquirer portion validates mobile device credentials before transaction processing to establish device trustworthiness and reduce fraud risks.
- Financial Card Transaction Routing and Authentication
Dynamic routing selects lower-cost closed loop networks to reduce interchange fees while applying risk-based authentication to prevent fraud.
- Dynamic Payment Selection via Face Authentication
Face authentication links user identity to stored payment means for automated service selection.
- Token-Based Party Association for Secure Transaction Linking
A token-based method links first and second parties without exchanging sensitive information.
- Dynamic Security Code Generation for Card Transactions
External devices compute dynamic codes from time values to prevent fraud while keeping card costs low.
- Radial Time Schema for Anomaly Detection in User Transactions
A radial time schema transforms linear timestamps into two-dimensional coordinates to map user transaction patterns.