Centralized Authentication Module for Mobile Electronic Wallets
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
As mobile payment systems expand to include various services, users face complexity due to the need for multiple security mechanisms and passcodes for each service, leading to cumbersome and insecure transaction processes.
Innovation Solution
A system that manages multiple application logic modules in a mobile device's secure element using a single authentication mechanism, allowing users to authenticate with a single passcode for various applications, ensuring secure and efficient transactions across different services.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple separate application logic or modules are added to handle different products and services, then the functionality and versatility of the electronic wallet is improved, but the device complexity and user burden increase due to multiple security mechanisms and passcodes
Solution Approach 1:
The patent merges multiple separate security mechanisms and authentication modules into a single centralized authentication module. This module handles authentication for all application logic and modules within the electronic wallet, allowing multiple products and services to be accessed through one unified security mechanism rather than requiring separate authentication for each application.
Solution Approach 2:
The centralized authentication module is designed to serve multiple functions and applications simultaneously. It provides a universal authentication service that can verify user credentials for different types of transactions including payments, ticketing, coupons, and other activities, replacing the need for application-specific authentication mechanisms.
2Adaptability or versatility
If multiple separate application logic or modules are added to handle different products and services, then the functionality and versatility of the electronic wallet is improved, but the ease of operation deteriorates as users must remember multiple passcodes
Solution Approach 1:
The patent combines multiple passcode requirements into a single authentication event. Users enter one passcode through the centralized authentication module, which then grants access to multiple applications and services, eliminating the need to remember and enter separate passcodes for each function.
Solution Approach 2:
The single authentication module provides universal access control for all electronic wallet functions. Once authenticated, the user's credentials are validated for multiple products and services simultaneously, making the system as easy to use as a single passcode while maintaining access to diverse functionality.
3Reliability
If traditional separate authentication mechanisms are used for each application, then security validation is maintained for each specific application, but the transaction efficiency and user convenience are reduced due to repeated authentication requirements
Solution Approach 1:
The centralized authentication module performs security validation once at the beginning, before any application-specific operations. This preliminary authentication establishes user credentials that can be reused across multiple applications and transactions, eliminating the need for repeated authentication while maintaining security standards.
Solution Approach 2:
The patent combines multiple separate security validation processes into a single centralized authentication event. The unified module validates user credentials once and provides secure access to multiple applications, maintaining the security integrity of each application while improving transaction efficiency by eliminating redundant authentication steps.
Data Source
AI summary
A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified. Preferably, at least one of the transaction modules is configured for contactless transaction operations over a contactless communication link.