Location-Based Mobile Access Device Authentication Configuration

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Solution Overview

Problem

Mobile merchants face challenges in complying with varying regional authentication requirements for electronic payment transactions, as they may be unaware of local rules and struggle to dynamically adjust authentication processes on their mobile access devices, leading to inefficient use of resources and battery life.

Innovation Solution

A mobile access device that determines its current location and selects the appropriate authentication process based on location-specific rules, allowing for real-time adjustments to comply with local requirements by requesting authentication information either before or after transaction authorization, as permitted by local regulations.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If mobile merchants manually adjust authentication processes to comply with local requirements, then compliance with regional authentication rules is improved, but device processing resources and battery life are consumed inefficiently

Engineering Contradiction:

Improvecompliance with regional authentication rulesVSAvoidbattery life

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

The mobile access device automatically determines its current location and selects the appropriate authentication process based on location-specific rules stored in its database, eliminating the need for manual merchant intervention. The system self-configures to comply with regional requirements without consuming additional processing resources or battery life through manual adjustment operations.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

Authentication rules for multiple locations are pre-loaded into the mobile access device's database before travel. When the device determines its current location, it simply retrieves the corresponding pre-stored rules and applies them, avoiding the need to manually download or configure rules at each location, thereby conserving processing resources and battery life.

Inventive Principle:

Principle #10Preliminary action

2Reliability

If mobile merchants manually adjust authentication processes to comply with local requirements, then compliance with regional authentication rules is improved, but time consumption increases

Engineering Contradiction:

Improvecompliance with regional authentication rulesVSAvoidtime for manual adjustments

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

Inventive Principle:

Principle #10Preliminary action

3Adaptability or versatility

If mobile access device allows manual modifications to authentication processes, then adaptability to local requirements is improved, but device complexity increases

Engineering Contradiction:

Improveability to modify authentication processesVSAvoidconfiguration complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The authentication process is dynamically selected based on the device's current location. The system automatically transitions between different authentication processes (e.g., requesting ZIP code before authorization vs. after authorization) depending on the regional rules associated with the determined location, providing adaptability without requiring manual configuration changes.

Inventive Principle:

Principle #15Dynamics

4Ease of operation

If mobile merchants are unaware of local authentication requirements, then ease of operation is improved, but compliance with regional rules deteriorates

Engineering Contradiction:

Improvemerchant awareness burdenVSAvoidcompliance with regional authentication rules

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system continuously monitors the mobile access device's location and automatically adjusts the authentication process based on the determined location's requirements. This feedback mechanism ensures that the device always operates in compliance with local regulations without requiring the merchant to be aware of or manually update the rules.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS10671993B2Location-based mobile access device configuration system and method

Publication Date: 2020.06.02 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Embodiments of the invention are directed to systems, apparatus, and methods for providing location-specific authentication at a mobile access device. In some embodiments, a mobile access device (e.g., a mobile POS terminal such as a smart phone) can receive a request to initiate a transaction. The mobile access device can determine a current location of the mobile access device, and can select an authentication process based upon the determined location. The selected authentication process can then be performed by the mobile access device. In some embodiments, when the current location is a first location, the selected authentication process can include requesting authentication data before authorization of the transaction and, when the current location is the second location, the selected authentication process can include requesting the authentication data after authorization of the transaction.