Lock-Screen Payment Codes with Passive Trusted-Device Authentication
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Solution Overview
Problem
Existing mobile device payment systems require users to go through numerous steps to access and use software for transactions, which is time-consuming and error-prone. Additionally, there is no non-intrusive way to authenticate users for such transactions.
Innovation Solution
A mobile device system that passively authenticates a user as an authorized user when the device is at a business location, allowing a scanning code to be displayed on the lock screen wallpaper without unlocking the device, facilitating a financial transaction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If the user follows the conventional process to access payment software (unlock phone, find icon, click icon, navigate to barcode), then the payment transaction can be completed, but the process is time-consuming and complex
Solution Approach 1:
The system performs preliminary actions by pre-positioning the scannable image on the lock screen and pre-authenticating the user's presence at the business location. When the user arrives at a business, the mobile device automatically detects the location and displays the appropriate scannable code on the lock screen without requiring the user to manually navigate through apps or unlock the device first.
Solution Approach 2:
The system enables self-service by automatically detecting the user's presence at a business location and autonomously displaying the correct scannable payment code on the lock screen. The user simply needs to present the lock screen to the merchant's scanner, and the system handles all the complex steps of app launching, authentication, and code generation automatically.
2Ease of operation
If the user unlocks the phone to access payment software, then the payment can be processed, but power is consumed and authentication becomes intrusive
Solution Approach 1:
The system replaces the mechanical action of unlocking the phone with an automatic authentication mechanism. Instead of requiring the user to physically unlock the device through biometric or passcode verification, the system uses location-based automatic authentication to determine when the user is at a business and should be granted access to payment functionality.
Solution Approach 2:
The lock screen serves multiple functions: it continues to provide security by remaining locked while simultaneously displaying the scannable payment code. This eliminates the need to unlock the device solely for payment purposes, as the lock screen itself becomes the payment interface.
3Reliability
If the user searches for payment software among numerous installed applications, then the correct software can be found, but the process becomes even more time-consuming and error-prone
Solution Approach 1:
The system extracts the essential payment functionality from the complex app ecosystem and presents it directly on the lock screen. Instead of requiring the user to search through numerous installed applications, the relevant scannable payment code is pulled out and displayed automatically on the lock screen based on location context.
Solution Approach 2:
The lock screen acts as an intermediary between the user and the payment software. Rather than requiring direct interaction with payment applications, the lock screen mediates the payment process by displaying the scannable code that enables transactions without needing to launch or navigate within specific payment apps.
Data Source
AI summary
A mobile device and an article of manufacture as implemented in a mobile device having a lock screen wallpaper is described, where the mobile device maintains a profile storing authentication data associated with a primary user of a mobile device that is authorized to use the mobile device. When the mobile device is at a business location, the primary user is non-intrusively authenticated as an authorized user of the mobile device based on identifying presence of another electronic device (e.g., another mobile device) associated with the primary user. Upon successful authentication a scanning code is displayed over a lock screen wallpaper of the mobile device, where power is conserved in the mobile device by providing the scanning code to the primary user without unlocking the mobile device.