Mobile Payment Authentication via Proxy Server Verification
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Solution Overview
Problem
The process of entering payment information on online merchant websites is cumbersome and error-prone, requiring users to manually input payment account details and shipping addresses, which is time-consuming and prone to errors.
Innovation Solution
A system utilizing a mobile device to automatically provide payment information to online merchants, where a proxy server verifies the mobile device's association with the user and sends a challenge for confirmation, allowing only authorized mobile devices to authenticate payments within specific time and geographic limitations, using SMS, push notifications, or biometric scans.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually input payment account information and shipping addresses, then payment information can be provided to online merchants, but the process becomes cumbersome and error-prone
Solution Approach 1:
The system pre-stores payment account information and shipping addresses in a database before the actual payment transaction. When a user initiates a payment, the pre-stored information is automatically retrieved and populated into the payment form, eliminating the need for manual re-entry and ensuring accuracy.
Solution Approach 2:
The system automatically fills payment forms using stored user information without requiring manual intervention. The payment account number, billing address, and shipping address are self-populated based on the user's selection, reducing both effort and potential for errors.
2Productivity
If users manually type shipping addresses, then shipping information can be provided, but the process becomes time-consuming
Solution Approach 1:
Shipping addresses are pre-stored in the database during user registration or previous transactions. During payment, the system automatically retrieves and fills the shipping address field, eliminating the time-consuming manual typing process.
Solution Approach 2:
The system creates and stores template versions of shipping addresses that can be automatically copied and pasted into payment forms. This copying mechanism eliminates the need for re-typing the same address information repeatedly.
3Reliability
If mobile devices are used for authentication, then security is enhanced, but the system complexity increases
Solution Approach 1:
The system introduces a proxy server as an intermediary between the payment gateway and the mobile device. The proxy server handles authentication challenges, receives responses from mobile devices, and coordinates with the payment gateway, thereby managing complexity centrally rather than distributing it across multiple components.
Solution Approach 2:
The mobile device serves multiple functions: it acts as both the payment initiation device and the authentication verification device. The same mobile device that the user possesses for communication purposes is also used for payment authentication, eliminating the need for separate authentication hardware and simplifying the overall system architecture.
Data Source
AI summary
Systems and methods for mobile authentication for web payments are disclosed. In some implementations, a proxy server receives, from a computing device different from a mobile device, a request from a user to process a web payment via a payment account associated with the mobile device, the web payment being associated with an online merchant. The proxy server verifies that the mobile device is associated with the user. The proxy server transmits, to a commerce server of the online merchant, payment information for the web payment in response to verifying that the mobile device is associated with the user.