Base Station Mediator for Fast Payment Verification
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Solution Overview
Problem
The existing user verification process for fast payment with a bank card is complicated, leading to incorrect memorization of SMS verification codes, multiple verification attempts, and high network latency, resulting in poor user experience and security concerns.
Innovation Solution
A method and apparatus that simplifies user verification by performing account and mobile phone number verification on a user terminal, sending a verification request packet to a target base station, and verifying the validity of the stored mobile phone number through a joint interaction between the application, target base station, operator server, and back-end server, reducing the need for users to switch between applications and improving security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the user fills the four essential elements and switches between different applications to remember and fill the SMS verification code, then the verification can be completed, but the user interaction becomes complicated and the user experience deteriorates
Solution Approach 1:
The system automatically retrieves and fills the SMS verification code by itself without requiring user intervention. The pre-compiled verification request packet is automatically sent to the base station, and the verification code is automatically obtained and filled into the application, eliminating the need for users to manually switch between applications and remember codes.
Solution Approach 2:
The verification request packet is pre-compiled with all necessary information (identification code, mobile phone number, etc.) before verification. The system prepares the verification code in advance and has it ready for automatic filling, so users don't need to manually handle the verification code during the process.
2Reliability
If multiple interactions with the application, banking system, operator server, and platform are required for verification, then thorough verification is achieved, but network latency increases and verification efficiency decreases
Solution Approach 1:
The patent combines multiple verification steps into a single integrated process. The verification request packet contains all necessary information (account verification results, mobile phone number verification, identification code) and is sent in one transaction to the base station, which then coordinates with the operator server and banking system in the background without requiring multiple user interactions.
Solution Approach 2:
The base station acts as an intermediary that receives the pre-compiled verification request packet and coordinates the verification process with the operator server and banking system. This intermediary role reduces the number of direct interactions required between the user, application, and multiple servers, thereby reducing network latency.
3Reliability
If the existing verification process is used, then user information can be verified, but data security is compromised due to the maturity of Internet crimes and popularization of criminal tools
Solution Approach 1:
The base station serves as a secure intermediary that receives the verification request packet and coordinates with the operator server and banking system. This intermediary architecture adds security layers by preventing direct exposure of user information to multiple potential attack vectors while maintaining verification integrity.
Solution Approach 2:
Account verification and mobile phone number verification are performed in advance before the main verification process. This preliminary verification ensures that only authenticated users proceed with the verification request, reducing the risk of unauthorized access and fraud.
Data Source
AI summary
A verification method comprises: by a target base station, receiving a verification request packet sent by an application if a mobile phone number verification succeeds, verifying validity of the stored mobile phone number according to the verification request packet, and sending the verification request packet to an operator server if the validity of the stored mobile phone number is verified. The application is configured to: perform an account verification on account information of a to-be-verified user; perform a mobile phone number verification on a user terminal in which the application is located; send an identification code of the application and the stored mobile phone number to a back-end server of the application, and send a verification request packet to the target base station; receive the verification notification returned by the back-end server, and determine, whether the verification of the to-be-verified user succeeds; and perform a fast payment signing process.