Mobile Device Authentication via Hardware Identifier Registry

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Solution Overview

Problem

Traditional payment systems, especially non-traditional mobile payment methods, face higher fraud risks, leading to increased premiums for merchants and limitations in transaction security, as they lack the authentication mechanisms of traditional card-present transactions.

Innovation Solution

A system that utilizes a unique mobile device hardware identifier, such as IMEI, and a secure processing environment to authenticate transactions, associating these identifiers with transaction account information in an electronic registry, and employing public and private key cryptography for secure verification and authorization.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If non-traditional mobile payment methods are used, then transaction convenience is improved, but fraud risk increases

Engineering Contradiction:

Improvetransaction convenienceVSAvoidfraud risk

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The system performs preliminary registration of mobile device hardware identifiers (IMEI, serial number, model) and associates them with account information before transactions occur. This pre-registration creates a baseline for authentication that enables convenient mobile payments while mitigating fraud risk through预先 established device identity verification

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The invention introduces an intermediary authentication system that acts as a mediator between the mobile device and payment processor. This intermediary verifies device identifiers and cryptographic signatures, enabling convenient mobile transactions while maintaining security by validating that the device matches registered information

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If traditional card-present authentication is used, then transaction security is improved, but device complexity increases

Engineering Contradiction:

Improvetransaction securityVSAvoidauthentication mechanism complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system extracts the essential authentication elements (device hardware identifiers and cryptographic keys) from the complex physical card-present process. By taking out only the critical verification components and implementing them through mobile device identifiers and digital signatures, the system achieves comparable security with reduced operational complexity

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The invention replaces the mechanical card-swiping or card-dipping process with an electronic authentication system based on device identifiers and cryptographic verification. This substitution eliminates the need for physical card handling while maintaining security through digital verification of device identity

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS11392921B2Authenticating based on a device identifier

Publication Date: 2022.07.19 AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC

AI summary

A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.