Browser Wallet System for Seamless Payment Authentication
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Solution Overview
Problem
On-line financial transactions require tedious user authentication processes, such as entering usernames and passwords, which can be cumbersome, especially for small purchases, and lack sufficient security against fraudulent use.
Innovation Solution
A 'wallet' system associated with a machine or web browser, allowing pre-funded accounts for seamless payments without formal authentication, using a unique motion or device fingerprint for enhanced security, and integrating with payment providers like PayPal to facilitate quick and secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication processes are used for online payments, then security is maintained, but user convenience and transaction speed deteriorate due to multiple authentication steps
Solution Approach 1:
The system performs preliminary authentication by associating the wallet with device-specific identifiers (hardware ID, browser fingerprint, cookies) during account creation. This pre-established binding eliminates the need for repeated authentication steps, allowing users to make payments simply by selecting items and confirming purchase, while maintaining security through the pre-configured device-wallet association.
2Productivity
If authentication steps are reduced for faster payments, then user convenience improves, but security against fraudulent use deteriorates
Solution Approach 1:
The system creates a unique digital fingerprint copy of the device's hardware characteristics, browser configuration, and system identifiers. This fingerprint serves as a security credential that travels with the device, enabling fast payments while verifying device identity. The fingerprint acts as a surrogate for traditional authentication, maintaining security without requiring users to input credentials repeatedly.
Solution Approach 2:
The wallet system acts as an intermediary layer between the user and the payment processor. It holds the device fingerprint and uses it to authenticate transactions automatically in the background, eliminating the need for direct user authentication while maintaining security. The intermediary verifies payments by checking device association rather than requiring user credentials.
3Reliability
If device-specific wallet association is implemented, then fraudulent use is prevented, but system complexity increases due to multiple authentication mechanisms
Solution Approach 1:
The system merges multiple device identification methods (hardware ID, browser fingerprint, cookies, system characteristics) into a single unified wallet association mechanism. Instead of requiring separate authentication for each method, the wallet combines them into one comprehensive device profile that automatically verifies identity, simplifying the user experience while maintaining robust security through multiple underlying verification layers.
Data Source
AI summary
An easy authentication or payment is made by creating an account associated with a particular web browser or device that accesses an on-line page. Payments are made, such as for full-access viewing of an article or viewing content without visible ads, by selecting a payment button on the on-line page. Selection can be with a specific swiping motion or device motion previously defined for the user. Once selected, the payment is made without the user having to authorize or authenticate. The motion can be used independently to authorize or authenticate the user through the device.