Contactless Payment Authentication Using Device Lock State
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Solution Overview
Problem
Contactless payment systems lack a reliable and user-friendly method for authenticating users, leading to potential unauthorized use and financial loss, as existing solutions compromise transaction speed and convenience.
Innovation Solution
Integrating password functionality into mobile wireless communication devices to enable or disable contactless payment functionality, prompting users for a password when the device is locked or after a predetermined number of transactions, ensuring secure and convenient payment authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If password authentication is implemented for contactless payment, then security against unauthorized use is improved, but transaction speed and convenience deteriorate
Solution Approach 1:
The system performs preliminary authentication by checking the device lock state and transaction count before the actual payment transaction. If the device is unlocked and the transaction count is below the threshold, authentication is automatically granted without requiring user input during the transaction, thus maintaining speed while implementing security.
Solution Approach 2:
The authentication requirement dynamically adjusts based on device state (locked/unlocked) and transaction history. The system transitions between authenticated and unauthenticated states based on predefined conditions, allowing flexible security levels that adapt to usage patterns without consistently slowing transactions.
2Reliability
If password functionality is integrated into mobile devices, then authentication capability is improved, but device complexity increases
Solution Approach 1:
The patent leverages the existing lock screen and password functionality that mobile devices already possess for other security purposes. By reusing this established authentication mechanism for contactless payment verification, the system gains authentication capability without adding dedicated hardware or software components, thus avoiding increased device complexity.
Solution Approach 2:
The mobile device's existing security infrastructure (lock screen, password management, authenticated/unauthenticated states) serves dual purposes: protecting the device itself and authenticating contactless payment transactions. This self-service approach eliminates the need for separate authentication systems.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Provides a transparent and efficient authentication method that maintains transaction speed while reducing unauthorized use, allowing users to set security levels based on their preferences.
Implementation Method 1
consumers use a payment card or other device that is equipped with an integrated chip and antenna that securely communicates consumer account information via a radio frequency communication link to a retailer's payment terminal
Data Source
AI summary
The present disclosure relates generally to the authentication of contactless payments attempted by a device having embedded contactless payment functionality. In particular, the disclosure is directed to systems and methods that utilize authentication schemes that already exist on a device in which the contactless payment functionality is embedded. One example of such authentication schemes is the use of password protection to lock or unlock the device in which the contactless payment functionality is embedded. Using the password protection functionality may provide varying levels of authentication protection based on the desires of the user. A number of exemplary uses of such a method and apparatus are disclosed herein.