Mobile Commerce Authentication Using Location Parameters
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Solution Overview
Problem
Current mobile commerce systems require consumers to possess payment instruments and remember identification details, and are vulnerable to issues like degraded magnetic strips and unauthorized transactions, lacking universality and security.
Innovation Solution
A mobile commerce authentication and authorization system that uses unmodified mobile wireless communications instruments, leveraging location parameters and a transaction matching subsystem to authenticate and authorize transactions without the need for physical payment instruments or identification numbers, enabling anonymous payments across a credit network.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional payment instruments with magnetic strips are used, then payment transactions can be conducted, but the magnetic strip degrades over time causing payment rejection and security vulnerabilities
Solution Approach 1:
The patent extracts the payment function from the physical payment instrument and its magnetic strip. Instead of relying on the magnetic strip for authentication, the system uses location parameters and wireless communications to authenticate and authorize transactions, eliminating the degradation issue associated with magnetic strips.
Solution Approach 2:
The patent replaces the mechanical magnetic strip system with a wireless communication-based system. Location parameters and wireless signals substitute for the physical magnetic strip, enabling contactless payment authentication that does not suffer from magnetic degradation over time.
2Reliability
If personal identification numbers and biometric identifiers are required for authentication, then customer identification is achieved, but user convenience and ease of operation are reduced
Solution Approach 1:
The system performs authentication automatically using location parameters without requiring active user participation. The mobile device's location is automatically determined and used for authentication, making the process self-service and eliminating the need for users to manually provide identification numbers or biometric data.
Solution Approach 2:
The system performs preliminary authentication actions automatically based on location parameters before the transaction occurs. By pre-authenticating users based on their location, the system eliminates the need for users to provide identification information at the point of sale, improving convenience while maintaining security.
3Reliability
If payment instruments must be physically possessed and swiped through point-of-sale devices, then payment authorization is achieved, but transaction speed and productivity are reduced due to repetitive manual operations
Solution Approach 1:
The patent replaces the mechanical swiping action with wireless communication. Instead of physically swiping a card through a reader, the system uses wireless signals to transmit payment information, eliminating the manual swiping step and significantly increasing transaction speed while maintaining authorization reliability.
Solution Approach 2:
The system performs preliminary authentication and authorization actions automatically based on location parameters before the actual transaction. This pre-processing eliminates the need for manual swiping and repetitive user actions at the point of sale, enabling faster transaction processing.
4Adaptability or versatility
If NFC and other adapted hardware are integrated into mobile devices, then mobile commerce functionality is enhanced, but device complexity and manufacturing difficulty increase
Solution Approach 1:
The patent extracts the payment authentication function from specialized hardware like NFC and places it in the software layer using location parameters. This eliminates the need for additional physical hardware components in mobile devices while maintaining mobile commerce capability.
Solution Approach 2:
The system uses existing universal mobile device capabilities (wireless communications, location determination) for payment authentication, eliminating the need for specialized NFC hardware. This approach makes the solution universally applicable to existing mobile devices without requiring additional components.
Data Source
AI summary
The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network.