Intent-Based Authentication for Faster Secure Checkout
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing authentication processes for transactions require users to provide extensive information, leading to a cumbersome experience and conflicting with user preferences for minimal interaction, especially in large purchases.
Innovation Solution
A system that dynamically determines a confidence rating based on user intent and information, adjusting authentication requirements accordingly to streamline the checkout process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the merchant requires extensive user information and strict authentication processes to verify identity and protect against fraud, then transaction security is improved, but the checkout process becomes cumbersome and time-consuming
Solution Approach 1:
The system performs preliminary authentication by accessing user information from remote devices (mobile phones, tablets, laptops) before the user arrives at the merchant location. This preliminary action verifies user identity in advance, so that when the user reaches the merchant, the authentication is already complete or near-complete, significantly reducing the time required at the point of sale while maintaining security.
Solution Approach 2:
The system introduces an intermediary authentication layer that bridges the user and the merchant transaction process. This intermediary system communicates with remote devices to verify user identity independently of the merchant's point-of-sale system, allowing the merchant to accept authenticated users without requiring them to go through lengthy verification processes at the register.
2Measurement precision
If the merchant requires users to submit new information and complete lengthy checkout processes to ensure up-to-date customer information, then data accuracy is improved, but user convenience deteriorates
Solution Approach 1:
The system performs preliminary data collection and verification by accessing user information from remote devices before the transaction. This allows the merchant to have accurate, up-to-date customer information on file without requiring users to fill out forms or update their data at the point of sale, making the checkout process convenient while maintaining data accuracy.
Solution Approach 2:
Users maintain their own information in their remote devices (mobile phones, tablets, laptops), which automatically communicate with the merchant's system. This self-service approach ensures users have current information without requiring manual updates during checkout, as their devices already contain the most recent data.
3Object-affected harmful factors
If the merchant implements strict authentication processes to protect against fraud, then fraud prevention is improved, but transaction speed decreases
Solution Approach 1:
The system performs fraud prevention authentication in advance by communicating with the user's remote device before the transaction occurs. This preliminary fraud check verifies user identity and validates the transaction request, so that when the user arrives at the merchant, the fraud prevention work is already done, allowing for rapid transaction processing without compromising security.
Data Source
AI summary
There are provided systems and methods for dynamic authentication through user information and intent. A user may wish to purchase an item that they view on a merchant marketplace using a computer of mobile phone. The merchant for the merchant marketplace may register the user's intent to purchase the item by receiving the user's actions while browsing the marketplace. The user may further provide user information with the merchant, such as a biometric reading, identifier, or other information. When the user then arrives at a merchant location to purchase the item and complete a transaction using a payment instrument, the merchant may process the user's intent and information to determine how confident the merchant is that the user is entitled to utilize the payment method. Such confidence rating may correspond to whether the merchant believes the transaction is fraudulent or if the user is misrepresenting their identity.