Authenticated Display Objects for Fraudulent Payment Detection

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Solution Overview

Problem

Existing payment services are inefficient for collecting small or one-time payments from multiple users and lack mechanisms for web site operators to integrate payment collection processes, leading to inconvenient transactions and potential fraudulent activities.

Innovation Solution

A payment service that allows users to set up customizable pay pages and pay boxes for receiving payments, enabling single-action transactions and fraud detection, while enabling web site operators to solicit payments directly from their sites without exposing user information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users must complete multiple setup steps before making payments to new payees, then payment security is improved, but payment convenience and speed deteriorate

Engineering Contradiction:

Improvepayment securityVSAvoidpayment convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary actions by pre-generating authenticated display objects with embedded tokens during the browsing phase. When a user wants to make a payment, the display object is already prepared with valid authentication credentials, eliminating the need for multiple setup steps at the moment of payment while maintaining security through token validation.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent introduces an intermediary mechanism - a validated token embedded in display objects - that mediates between the user's browsing activity and the payment transaction. This token serves as a pre-authenticated credential that bridges the security requirements and convenience needs, allowing seamless payments without repeated authentication steps.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If customers must exit the associate's web site to complete purchases, then transaction security is improved, but user convenience and browsing continuity deteriorate

Engineering Contradiction:

Improvetransaction securityVSAvoidbrowsing convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent uses the associate's web site as an intermediary environment where validated display objects are served. These display objects contain embedded tokens that authenticate transactions without requiring users to leave the associate's site. The mediator mechanism allows the transaction to be secured through token validation while maintaining the convenience of staying within the familiar browsing environment.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical system of physical site navigation (exiting and re-entering) with an electronic token-based authentication system. Instead of requiring users to physically navigate to the merchant's site, the validated token in the display object enables secure transactions electronically within the associate's site context, substituting mechanical navigation with digital authentication.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Productivity

If display objects are modified to enable single-action transactions, then payment speed is improved, but vulnerability to fraudulent transactions increases

Engineering Contradiction:

Improvetransaction speedVSAvoidfraudulent transaction risk

Core Design Contradiction:

ProductivityVSObject-affected harmful factors

Solution Approach 1:

The system implements feedback mechanisms by validating tokens embedded in display objects against authenticated browsing history. The validation process provides feedback on whether the display object was legitimately generated during user browsing, enabling the system to detect and block fraudulent modifications while allowing genuine single-action transactions to proceed.

Inventive Principle:

Principle #23Feedback

Solution Approach 2:

The patent applies preliminary anti-action by pre-validating and embedding authenticated tokens in display objects before they are used for transactions. This preliminary authentication creates a protective barrier against fraud, as any modified or fraudulent display objects lacking valid tokens will be rejected during the validation process, preventing fraudulent transactions before they can occur.

Inventive Principle:

Principle #9Preliminary anti-action

4Ease of operation

If web site operators integrate payment collection processes into their own sites, then ease of payment collection is improved, but system complexity and security management deteriorate

Engineering Contradiction:

Improvepayment collection easeVSAvoidsystem integration complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The patent extracts the complex authentication and security validation logic from the web site operator's system and places it within the validated display objects themselves. The display objects contain pre-authenticated tokens that encapsulate the security credentials, allowing operators to integrate simple display objects into their sites without having to implement complex authentication systems, thus reducing integration complexity while maintaining security.

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS7599856B2Detection of fraudulent attempts to initiate transactions using modified display objects

Publication Date: 2009.10.06 AMAZON TECH INC

AI summary

A network-based payment service provides various features for facilitating online, user-to-user payments and item purchases. One feature involves methods for validating transaction requests initiated during browsing of third party web sites, including web sites of associates.