Interactive Chatbot Authentication for Card-Not-Present Transactions
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Solution Overview
Problem
Current payment systems lack interactive chatbot authentication processes that intuitively and creatively verify users for various transaction types, leading to issues such as lack of access to user data, slow authentication speeds, and a lack of engaging authentication processes, particularly in card-not-present transactions.
Innovation Solution
A computing system utilizing an interactive chatbot that receives authorization requests, retrieves user data, determines transaction risk, generates prompts based on this risk, and transmits them to users for authentication, embedding an authentication indicator into the authorization request message based on user input.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If traditional authentication methods are used, then authentication security is maintained, but authentication speed is slow and user engagement is low
Solution Approach 1:
The patent introduces a chatbot as an intermediary between the user and the authentication system. The chatbot conducts natural language conversations to verify user identity and transaction intent, replacing traditional slow and rigid authentication methods. This intermediary enables faster, more engaging authentication while maintaining security through intelligent dialogue-based verification.
Solution Approach 2:
The patent replaces mechanical authentication systems (such as manual verification, traditional forms, and rigid protocols) with an AI-powered chatbot that uses natural language processing and machine learning. This substitution enables more flexible, faster, and user-friendly authentication while maintaining or enhancing security through adaptive conversation analysis.
2Ease of operation
If interactive chatbot authentication is implemented, then user engagement and authentication speed improve, but system complexity increases
Solution Approach 1:
The chatbot is designed as a universal authentication system that can handle multiple transaction types, user profiles, and verification scenarios through a single interface. It performs various functions including identity verification, transaction authorization, fraud detection, and user assistance, thereby managing complexity through consolidation rather than proliferation of separate systems.
Solution Approach 2:
The chatbot operates autonomously to conduct authentication conversations, analyze user responses, determine risk levels, and make authorization decisions without requiring constant human intervention. This self-service capability reduces operational complexity while improving user engagement, as the system handles itself through intelligent dialogue and machine learning.
3Measurement precision
If comprehensive user data analysis is performed, then authentication accuracy improves, but access to user data becomes restricted
Solution Approach 1:
The chatbot serves as an intermediary that accesses and analyzes user data through controlled interfaces while maintaining security protocols. It retrieves necessary information from user profiles and transaction histories, processes this data through machine learning models to assess authentication risk, and presents only essential findings to relevant parties, thereby balancing data access needs with security and privacy constraints.
Data Source
AI summary
A computing system for authenticating users utilizing an interactive chatbot is provided. The computing system includes a processor in communication with a memory, and the processor programmed to: (i) receive an authorization request message for a transaction initiated by a user, wherein the authorization request message includes transaction data, (ii) retrieve user data associated with the user, (iii) determine, based upon the transaction data and the user data, a risk associated with the transaction, (iv) generate, based upon the risk associated with the transaction, one or more prompts for the user, (v) transmit, via the interactive chatbot, the one or more prompts to the user, (vi) receive user input in response to the one or more prompts, and (vii) embed an authentication indicator into the authorization request message, wherein the authentication indicator indicates whether the user is authenticated based upon the user input.