Dynamic Passcode Communication for Frictionless Payment MFA
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Solution Overview
Problem
Multi-factor authentication (MFA) processes in electronic payments increase transaction complexity and communication overhead due to additional steps and system interactions.
Innovation Solution
A method and system for dynamic passcode communication between merchant and issuer applications on a user device, enabling secure authentication with reduced steps and interactions by using a merchant application to request and transmit a dynamic passcode to an issuer application for transaction authorization.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If multi-factor authentication is implemented for electronic payments, then security is improved, but transaction complexity and communication overhead increase
Solution Approach 1:
The patent combines multiple authentication factors (biometric data, device identifiers, transaction data) into a single integrated authentication process. The biometric authentication application merges fingerprint, facial recognition, or iris scan capabilities with the payment transaction flow, allowing users to authenticate through a unified interface rather than separate steps for each factor.
Solution Approach 2:
The authentication system is designed to support multiple authentication methods (fingerprint, facial recognition, iris scan, device identifiers) within a single platform. The system can adaptively select appropriate authentication factors based on transaction risk levels, user preferences, and available biometric modalities, making the authentication mechanism universally applicable across different scenarios.
2Reliability
If multi-factor authentication is implemented for electronic payments, then security is improved, but the number of system communications increases
Solution Approach 1:
The system performs preliminary authentication checks by leveraging pre-collected biometric data and device identifiers stored securely in the user's device. Instead of requesting real-time verification for each authentication factor, the system uses previously captured biometric templates and device information to rapidly validate user identity, reducing the number of communication rounds required.
Solution Approach 2:
The patent uses cryptographic copies of biometric data (biometric templates) and device identifiers that can be verified without transmitting the actual sensitive information. The system transmits hashed or encrypted versions of authentication data that can be validated by the payment processor, reducing communication overhead while maintaining security.
Data Source
AI summary
Systems, methods, and computer program products for dynamic passcode communication use a merchant application installed on a user device that receives transaction data associated with a transaction at a merchant system. The transaction data may include an account identifier associated with an account at an issuer system. The merchant application determines, based on the account identifier, whether an issuer application associated with the issuer system is installed on the user device. In response to determining that the issuer application is installed on the user device, the merchant application transmits, to the issuer application, a request for a dynamic passcode. The merchant application receives, from the issuer application, the dynamic passcode and transmits, to the issuer system, an authorization request including the account identifier and the dynamic passcode. The merchant application receives, from the issuer system, an authorization response authorizing or denying the transaction.