Dynamic Webpage Generation for Fraud-Resistant Customer Capture
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Solution Overview
Problem
The ease of use and widespread availability of online transactions have led to increased incidents of fraud, undermining trust and resulting in a cumbersome user experience due to static web content that fails to cater to individual interests, thereby reducing people's willingness to conduct transactions online.
Innovation Solution
A computer system dynamically generates customized webpages based on user preferences by receiving information specifying activation of a hosted field, sending messages with links to relevant transactions, and providing authentication for secure transactions, enhancing user experience and security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If static web content is used for all visitors, then scalability and ease of operation are improved, but user experience and relevance of information deteriorate
Solution Approach 1:
The patent implements dynamic webpage generation that adapts content based on visitor characteristics, device type, and behavior. The system transitions from static to dynamic content delivery, creating personalized webpages on-demand while maintaining scalability through automated generation processes.
Solution Approach 2:
The system changes webpage parameters (content, layout, formatting) based on detected visitor attributes such as device type, screen resolution, and user preferences. This allows the same base content to be delivered in multiple customized formats without requiring separate static pages for each scenario.
2Adaptability or versatility
If personalized dynamic webpages are generated for each visitor, then user experience and information relevance are improved, but system complexity and processing requirements worsen
Solution Approach 1:
The patent segments webpage content into modular components that can be independently generated and assembled. This modular approach simplifies the complexity of personalization by allowing the system to compose customized pages from pre-defined content blocks rather than generating entirely unique pages for each visitor.
Solution Approach 2:
The system uses templates and content copying mechanisms to generate personalized webpages efficiently. Instead of creating entirely new content for each visitor, the system copies and adapts standardized content templates, significantly reducing processing complexity while maintaining personalization benefits.
3Reliability
If fraud prevention measures are implemented, then transaction security is improved, but user trust and willingness to transact deteriorate
Solution Approach 1:
The patent introduces an intermediary authentication system that verifies user identity and device legitimacy without directly blocking users. The authentication cookie acts as a mediator that establishes trust between the user and the system, allowing secure transactions to proceed smoothly once authentication is complete.
Solution Approach 2:
The system performs preliminary authentication and device verification before transactions occur. By establishing security credentials in advance through the authentication cookie mechanism, the system prevents fraud while creating a seamless user experience during actual transactions, as the security checks have already been completed.
Data Source
AI summary
A computer that dynamically generates a customized second document is described. During operation, the computer receives information specifying activation of a hosted field in a document associated with a third party, where the information specifies a willingness to receive one or more messages from the computer and specifies a telephone number. In response, the computer dynamically generates the customized second document that includes information about one or more transactions (such as one or more upcoming events) of interest to an individual associated with the telephone number. Then, the computer sends a message to an address corresponding to the telephone number, where the message includes a link to the customized second document. Next, when the computer receives information specifying activation of the link from an electronic device, the computer provides information specifying the customized second document to the electronic device for display on the electronic device.