Authentication Terminal Payment Account Switching
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Solution Overview
Problem
In shared family computer environments, the existing web page payment methods often result in unsuccessful or non-timely payments due to inconsistent account logins across devices, leading to complex operation steps and poor user experience, as users need to manually switch accounts for payment authorization.
Innovation Solution
An authentication terminal-based payment method that automatically detects and switches accounts between user terminals and authentication terminals, ensuring seamless payment authorization without manual input, by using a server-mediated account verification and switching process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the user manually switches accounts on the user terminal before payment, then the payment authorization can be received correctly, but the operation steps become complex and user experience deteriorates
Solution Approach 1:
The system automatically performs account matching and notification routing without requiring user intervention. The server compares the user terminal's account with authentication terminal accounts and automatically pushes notifications to the correct device, eliminating manual account switching while ensuring reliable payment authorization receipt
Solution Approach 2:
The server provides feedback by comparing accounts and determining which authentication terminal is associated with the user terminal. This feedback mechanism enables automatic notification routing to the correct device based on account matching results, resolving the contradiction between reliability and ease of operation
2Reliability
If the system requires account consistency between user terminal and authentication terminal, then payment security is improved, but the adaptability to multi-user scenarios deteriorates
Solution Approach 1:
The server acts as an intermediary that mediates between the user terminal and multiple authentication terminals. It compares accounts, identifies the associated authentication terminal, and routes notifications accordingly. This intermediary approach maintains security through account verification while adapting to multi-user scenarios by dynamically determining the correct notification target
Solution Approach 2:
The system changes the parameter of account verification from a static requirement (must match before payment) to a dynamic process (server compares and determines association). This allows the system to maintain security while adapting to different user scenarios by flexibly identifying the correct authentication terminal based on account comparison results
3Reliability
If the user terminal and authentication terminal must be within Bluetooth communication range, then secure communication is achieved, but the user experience in shared device scenarios deteriorates
Solution Approach 1:
The server serves as an intermediary that receives payment information from the user terminal and pushes notifications to the appropriate authentication terminal. This intermediary approach maintains secure communication channels while improving convenience by automatically handling the complexity of device identification and notification routing in shared device scenarios
Data Source
Figure 1~2
Figure 3A
Figure 3B
AI summary
Specific embodiments of the present invention provide an authentication terminal-based payment method and an apparatus. A user terminal obtains a terminal identifier of an authentication terminal; and sends a first message including the terminal identifier of the authentication terminal to a server, so that after the server determines a logged-in second account of the authentication terminal based on the terminal identifier of the authentication terminal, the server verifies a logged-in first account of the user terminal with the second account, and when determining that the first account does not match the second account, switches the user terminal from the logged-in first account to the second account, and completes payment authorization for this payment transaction by using the authentication terminal. In this way, the logged-in account of the user terminal is fast switched after it is determined that the logged-in accounts of the authentication terminal and the user terminal do not match. This avoids trouble and a processing delay caused by manual switching by a user, implements a seamless shift from web page payment made on the user terminal to payment authorization performed on the authentication terminal, and ensures consistent user experience.