Layered Authentication System for Low-Friction Online Payments
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Solution Overview
Problem
Complex authentication procedures in online transactions, while secure, frustrate users by requiring multiple password entries and increasing friction in the user experience.
Innovation Solution
A low-friction layered authentication system that uses a unique identifier and one-time pin, with real-time verification processes, allowing users to access account information with a single password input, reducing the need for manual entry of multiple credentials and enhancing security through set rules and fraud prevention checks.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If complex authentication procedures are implemented to protect user account information, then security is improved, but user experience deteriorates due to multiple password entries and increased friction
Solution Approach 1:
The patent segments the authentication process into distinct layers: device identification (first layer) and transaction authorization (second layer). This segmentation allows each layer to handle specific security requirements independently, reducing the overall friction by eliminating the need for multiple complete authentication cycles while maintaining comprehensive security coverage.
Solution Approach 2:
The system performs preliminary device identification and authentication before the actual transaction occurs. By pre-establishing device trust through biometric or device-level authentication, the system eliminates the need for repeated password entries during subsequent transactions, improving user experience while maintaining security through the pre-performed authentication layer.
2Reliability
If multiple authentication factors are required for fraud protection, then security is improved, but authentication time increases causing user frustration
Solution Approach 1:
The patent implements dynamic authentication where the system adaptively determines the appropriate authentication level based on transaction context, device history, and risk assessment. For low-risk transactions from trusted devices, the system requires only device identification without additional factor verification, reducing authentication time while maintaining fraud protection through contextual risk analysis.
Solution Approach 2:
The system performs preliminary risk assessment and device trust evaluation before requiring additional authentication factors. By pre-establishing device credibility through initial biometric authentication and ongoing behavior monitoring, the system can bypass time-consuming additional verification steps for transactions from authenticated devices, reducing authentication time while maintaining fraud protection.
3Reliability
If users must remember multiple passwords and user names for different services, then security is improved, but ease of operation deteriorates causing frustration
Solution Approach 1:
The patent implements a universal device identification system that works across multiple services and transactions. By using device-level biometric authentication and device identifiers as a universal credential, the system eliminates the need for users to remember and manage multiple passwords and usernames across different online services, improving convenience while maintaining security through the universal authentication mechanism.
Data Source
AI summary
Provided herein are systems and methods for providing low-friction layered authentication to provide account information with a single user pin input for an online payment transaction. A user provides an online payment service with a UID, which sends the UID to a financial institution. The financial institution verifies whether the user and online payment transaction associated with the UID satisfy a set of rules. A one-time pin is sent to provide an additional layer of authentication. Once the authentication is complete, the financial institution provides account information to the online payment service for use in the online payment transaction.