Mobile Terminal Proximity Verification for Transaction Security
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Solution Overview
Problem
Current transaction securing techniques, such as biometric authentication, are costly, user-unfriendly, and increase transaction complexity, while traditional personal code authentication is not reliable against theft.
Innovation Solution
A method that uses the proximity between a mobile terminal and a transaction device to verify the authenticity of a transaction by transmitting signals containing an identifier, allowing a control server to determine the proximity and reject or alert on suspicious transactions based on predetermined distance thresholds.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If biometric authentication is implemented to improve transaction security, then reliability is improved, but device complexity and cost increase
Solution Approach 1:
The patent introduces a mobile terminal as an intermediary device that carries the user's identifier. Instead of implementing complex biometric sensors in the transaction device, the system uses the mobile terminal (which users already possess) as a mediator to provide authentication information. The transaction device receives signals from this intermediary to verify user proximity, thereby improving security without increasing its own complexity.
Solution Approach 2:
The patent replaces physical biometric sensing mechanisms with signal-based verification. Instead of using mechanical or optical biometric sensors (fingerprints, facial recognition), the system substitutes these with electromagnetic signal transmission and reception between mobile terminals and transaction devices. This substitution maintains security while reducing hardware complexity.
2Reliability
If biometric authentication is implemented to improve transaction security, then reliability is improved, but ease of operation deteriorates
Solution Approach 1:
The system leverages the mobile terminal that users already carry and use daily for other purposes. The authentication process utilizes existing user behavior (carrying the mobile device) rather than requiring additional actions. The mobile terminal automatically provides identification signals, making the security enhancement transparent and convenient for users.
3Reliability
If biometric authentication is implemented to improve transaction security, then reliability is improved, but transaction time increases
Solution Approach 1:
The system performs preliminary authentication by continuously monitoring for the presence of the authorized mobile terminal before the actual transaction occurs. The proximity verification is established in advance through signal reception, so that when the transaction is initiated, the authentication is already complete or can be quickly confirmed, minimizing additional transaction time.
4Ease of operation
If personal code authentication is used to maintain simplicity, then ease of operation is maintained, but reliability deteriorates
Solution Approach 1:
The patent merges two authentication factors: the personal code (something the user knows) and the mobile terminal proximity verification (something the user has). This combination maintains the simplicity of code entry while adding a layer of security that verifies the user's physical presence, thereby improving reliability without significantly impacting ease of operation.
Data Source
AI summary
A method for securing a transaction by an electronic card paired with at least one mobile terminal, wherein a banking organization in charge of managing transactions involving the card has previously recorded an identifier of the mobile terminal among data relating to the owner of the card. The securing method includes: transmission, by the mobile terminal, of at least one first signal including a message containing the identifier; receipt, by at least one transaction device near the mobile terminal, of the first signal; transmission, by the transaction device, of a second signal including at least the message to at least one remote banking organization; assignment, by a control server of the banking organization, to a transaction involving the electronic card, by a control server of the banking organization, of information representing proximity between the electronic card and the mobile terminal, according to the second signal received by the banking organization.