Dynamic Payment Authentication via Account Linking and Hash Comparison
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Solution Overview
Problem
Users face inconvenience in carrying multiple payment devices and accounts for transactions, as existing systems require physical presence of the device for authentication and processing.
Innovation Solution
A system that allows dynamic authentication and device selection by linking accounts, enabling transactions without the physical presence of the payment device through user profile data retrieval, hash generation, and comparison for authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If users carry multiple payment devices for different accounts, then transaction capability is improved, but portability and convenience deteriorate
Solution Approach 1:
The patent merges multiple payment accounts and devices into a single unified system. The server consolidates account information from multiple external entities, and the authentication mechanism combines data from the presented device with stored profile data to enable access to any linked account through a single device interface.
Solution Approach 2:
The system creates a universal payment interface that can access multiple different accounts and payment methods. The rendering dynamically displays available payment devices and accounts, allowing a single system to perform multiple transaction functions without requiring separate physical devices for each account.
2Reliability
If physical payment device is required for authentication, then security is improved, but ease of operation deteriorates
Solution Approach 1:
The patent introduces an intermediary authentication system that mediates between the physical device and the account access. The server acts as an intermediary by comparing device data with stored profile data, and the dynamic rendering serves as an intermediary interface that translates device capabilities into account selection options.
Solution Approach 2:
The system replaces the mechanical requirement of physically presenting specific payment cards with an electronic authentication system. Instead of mechanically inserting different cards, the user presents one device and the system electronically verifies authentication data against stored hashes, substituting physical device switching with digital authentication.
3Adaptability or versatility
If multiple devices are linked for account access, then adaptability is improved, but system complexity deteriorates
Solution Approach 1:
The patent extracts the complexity of managing multiple devices by separating the authentication verification process from the account access process. The server extracts and stores hash values of authentication data from multiple devices, then uses only these extracted hashes for verification, rather than managing the complete device ecosystem.
Solution Approach 2:
The system changes the parameter of authentication verification by using hash comparisons instead of direct device identification. This parameter transformation simplifies the complexity by converting multiple device identities into comparable cryptographic hashes, making the verification process uniform regardless of the number of linked accounts.
Data Source
AI summary
Arrangements for account linking and dynamic device selection are provided. Registration data including one or more user accounts and/or payment devices may be received. A request to process a transaction may be received via a first device. User data may be retrieved to identify other devices. One or more external entities may provide user profile data including raw customer data and encrypted authentication data. A hash of the encrypted authentication data may be generated and stored. The system may dynamically generate a rendering displaying one or more payment devices available for selection. A second payment device may be selected and a handshake protocol initiated between a vendor device and a user device. Authentication data may be provided and a hash generated. The hashes may be compared and, if a match occurs, the transaction may be processed.