Encrypted Verification Flow for Seamless Transaction Authorization
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Solution Overview
Problem
Verifying users and authorizing transactions through an authorization processor introduces complexity and disrupts the user experience on resource platforms, particularly when the authorization processor operates separately from the resource platform.
Innovation Solution
A resource platform provides encrypted verification instructions to a user computing device, which executes them to generate verification information, ensuring the authorization processor can verify the user without redirecting the device, thus maintaining a seamless user experience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If verification instructions are provided by an authorization processor separately from the resource platform, then transaction security is improved, but device complexity and user experience disruption increase
Solution Approach 1:
The patent combines the authorization processor's verification instructions with the resource platform's transaction flow by having the resource platform embed encrypted verification instructions within its response to the client device. This merging allows security verification to occur seamlessly within the existing transaction workflow without requiring separate verification systems or additional user redirection, thus improving security while minimizing complexity and UX disruption.
2Adaptability or versatility
If the authorization processor operates separately from the resource platform, then authorization independence is improved, but user experience disruption increases
Solution Approach 1:
The patent uses encrypted verification instructions as an intermediary mechanism that allows the authorization processor to operate independently while maintaining seamless integration with the resource platform. The encryption ensures that the resource platform cannot read or modify the verification instructions, preserving authorization independence, while the embedded delivery method ensures smooth integration into the user flow without redirection or additional user actions, thus maintaining ease of operation.
3Ease of operation
If verification instructions are embedded in the resource platform response, then user experience is improved, but information security risks increase
Solution Approach 1:
The patent applies local quality by encrypting only the verification instructions portion of the response while leaving other parts of the communication unencrypted. This selective encryption ensures that the verification instructions are protected from unauthorized access or modification by the resource platform, while the rest of the transaction flow remains readable and functional. The encryption is applied locally to the specific data element that requires protection, balancing security with operational efficiency.
Data Source
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AI summary
Aspects of the present disclosure relate to transaction security techniques. In examples, a resource platform causes a set of executable verification instructions associated with an authorization processor to be executed by a user computing device. The verification instructions may be encrypted by the authorization processor for decryption by the user computing device. The verification instructions may generate verification information associated with the user computing device. In some instances, the verification information may be encrypted for decryption by the authorization processor. The encrypted verification instructions may be provided to the authorization processor (e.g., via the resource platform), such that the authorization processor may provide an indication to the resource platform as to whether the verification is verified. Accordingly, if the verification information is verified a transaction associated with the resource platform may proceed or, as another example, the user computing device may be granted access to information.