Dynamic QR Code Authentication for Financial Terminals
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Solution Overview
Problem
Traditional systems using static or easily replicable QR codes for customer interactions at financial transaction terminals are vulnerable to interception, leading to increased financial fraud.
Innovation Solution
Implementing a dynamic QR code system that generates a series of rapidly changing QR code frames, requiring users to capture a viable frame at a precise time and angle, thereby enhancing authentication and reducing fraudulent activity.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional static QR codes are used for customer interactions, then the system is simple and easy to operate, but the system becomes vulnerable to interception and financial fraud
Solution Approach 1:
The patent applies dynamics by transforming static QR codes into dynamic QR codes that change over time. The system generates a sequence of QR code frames that are displayed in rapid succession, requiring the user to capture the correct frame at the precise moment indicated by a pulse signal. This temporal dynamic element ensures that even if someone intercepts a frame, it becomes invalid immediately, thereby preventing fraud while maintaining operational simplicity for the end user.
Solution Approach 2:
The patent implements periodic action through the cyclic display of multiple QR code frames at specific time intervals. The system displays a series of frames (e.g., 6 frames) in a repeating sequence, with each frame visible for a predetermined duration (e.g., 0.5 seconds). The pulse signal synchronizes with this periodic display to indicate when the user should capture the frame, creating a rhythm that enhances security while keeping the interaction straightforward.
2Reliability
If dynamic QR code frames are displayed rapidly to prevent fraud, then security is improved, but the user must capture the frame at a precise time and angle
Solution Approach 1:
The system performs preliminary action by pre-synchronizing the pulse signal with the display of the correct QR code frame. Before the user needs to capture the frame, the system has already prepared the sequence and timed the pulse to occur at the precise moment when the viable frame is displayed. This preliminary synchronization eliminates the need for users to guess or calculate timing, making the operation as easy as capturing a photo at the moment they see the pulse indicator.
Solution Approach 2:
The patent employs feedback through the pulse signal that provides real-time guidance to the user. When the user points their device at the display, the system detects this and sends a pulse signal back to indicate exactly when to capture the frame. This feedback loop ensures that even if the user is slightly delayed or early, the system adjusts by timing the pulse to match the actual capture moment, maintaining ease of operation while ensuring security.
3Reliability
If multiple non-viable QR code frames are included in the sequence, then fraud is reduced, but the time required for transaction validation increases
Solution Approach 1:
The patent applies skipping by having the system rapidly cycle through multiple QR code frames in quick succession, displaying them for only brief intervals (e.g., 0.5 seconds each). The viable frame is embedded within this rapid sequence, and the pulse signal enables the user to skip ahead to capture it without having to wait through or manually review each frame. This rushing through the sequence minimizes the perceived time for the user while maintaining the security benefit of multiple frames.
Solution Approach 2:
The system changes parameters by varying the display duration and transition speed of QR code frames. By adjusting these parameters, the system can display enough frames to ensure security (e.g., 6 frames) while keeping each frame visible for a very short time and transitioning rapidly between them. The total validation time remains brief (e.g., 3 seconds for 6 frames at 0.5 seconds each) because the parameters are optimized to balance security requirements with user patience and transaction efficiency.
Data Source
AI summary
A method may include generating, by a computing device, a first dynamic QR code comprising a plurality of QR code frames, each QR code frame transmitted at a first frequency, the plurality of QR code frames comprising non-viable QR code frame(s) and at least one viable QR code frame. The method may include displaying, by the computing device, the first dynamic QR code, the at least one viable QR code frame displayed at a first time. The method may include transmitting, by the computing device, a first pulse to a user device. The method may include capturing, by the user device at the first time and in response to receiving the first pulse, the at least one viable QR code frame. The method may include generating and displaying, by the user device, a second dynamic QR code, causing the computing device to complete a requested transaction.