Mobile Security Tool for TV Transaction Authentication

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Solution Overview

Problem

Transactions initiated through televisions for purchasing products during streamed videos lack the authentication and encryption security measures, exposing users to risks of identity theft and hacking.

Innovation Solution

A security tool, such as a mobile device, listens for transaction initiation messages, loads an application, authenticates the user using stored security credentials, extracts transaction details, and initiates secure payments, thereby performing authentication and encryption procedures that the television does not.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If transactions are processed through television, then user convenience is improved, but security is worsened

Engineering Contradiction:

Improvetransaction convenienceVSAvoidtransaction security

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent introduces a mobile device as an intermediary between the television and the payment processing system. The mobile device receives transaction initiation messages from the television, performs security authentication and encryption, then forwards the secured transaction to the merchant. This mediator approach allows the television to maintain its user-friendly interface while the mobile device provides the necessary security measures.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If authentication and encryption are performed through television, then security is improved, but device complexity is worsened

Engineering Contradiction:

ImprovesecurityVSAvoidtelevision system complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the authentication and encryption functions from the television system and relocates them to a mobile device. The television only handles transaction initiation and display functions, while the mobile device separately performs the security-critical operations of user authentication and data encryption. This separation allows the television to remain simple while security requirements are met by the mobile device.

Inventive Principle:

Principle #2Taking out (Extraction)

3Speed

If security credentials are stored on television, then authentication speed is improved, but security risk is worsened

Engineering Contradiction:

Improveauthentication speedVSAvoididentity theft risk

Core Design Contradiction:

SpeedVSObject-affected harmful factors

Solution Approach 1:

The mobile device serves as an intermediary that securely stores security credentials and performs authentication. Instead of storing credentials on the television, the mobile device holds the sensitive authentication data and verifies user identity through biometric or other secure methods. This maintains fast authentication while significantly reducing the risk of credential theft that would occur if credentials were stored on the television.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS11037155B2Security tool

Publication Date: 2021.06.15 BANK OF AMERICA CORP

AI summary

An apparatus includes a memory and a hardware processor. The memory stores security credentials of a user. The hardware processor receives a first message indicating that the user initiated a transaction through a television and in response to receiving the first message, loads an application. The hardware processor also authenticates the user through the application using the security credentials of the user, extracts, from the first message, a price and an identification of a merchant of the transaction, and initiates, through the application, a payment of the price to the merchant.