Dynamic QR Code Validation for Fraud-Resistant Interactions
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Solution Overview
Problem
Traditional QR codes used in customer interactions with financial transaction terminals are vulnerable to interception, leading to increased financial fraud, and secure document printing methods face difficulties in incorporating necessary security features without authorized user intervention.
Innovation Solution
Implementing dynamic QR codes with rapidly changing frames and pulses to iteratively validate user interactions, and securely generating and printing documents through multi-layered authentication and network verification.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional QR codes are used for customer interactions, then ease of operation is improved, but security and reliability deteriorate due to vulnerability to interception and fraud
Solution Approach 1:
The patent applies dynamics by transitioning from static QR codes to dynamic QR codes that change over time. The QR code displayed on the terminal changes at predetermined time intervals, and the system validates that the QR code captured by the mobile device matches the current dynamic QR code at the moment of capture. This temporal dynamic property ensures that intercepted or stale QR codes cannot be used for fraudulent transactions, while the user experience remains simple as they simply capture the displayed code.
2Reliability
If dynamic QR codes with rapid frame changes are implemented, then security and reliability are improved, but device complexity increases
Solution Approach 1:
The patent implements periodic action by having the QR code change at regular predetermined time intervals rather than continuously or randomly. The terminal system periodically updates the QR code frames, and the mobile device captures the QR code at the moment it is displayed. This periodic updating mechanism provides security through time-limited codes while keeping the system complexity manageable through regular, predictable changes rather than continuous complex transformations.
3Reliability
If multi-layered authentication is implemented for document generation, then security is improved, but ease of operation deteriorates due to additional authentication steps
Solution Approach 1:
The patent applies self-service by having the mobile device automatically perform authentication functions without requiring manual user intervention for each step. The system includes automatic device verification, temporal validation of the QR code, and automated authentication against stored credentials. The user simply needs to capture the QR code and complete the transaction, while the complex multi-layered authentication occurs automatically in the background through self-service verification mechanisms.
Data Source
AI summary
Systems and methods for validating interactions are disclosed. For example, a dynamic code may be displayed on a display device for capture by a user device by periodically causing a display of a different frame from a plurality of frames of the dynamic code, where only one of the plurality of frames of the dynamic code is capable of use for verification. A verification indication may be received from a computer system in response to the user device capturing and transmitting the one of the plurality of frames of the dynamic code to the computer system for the verification. An interaction may be enabled based on the verification indication.