Mobile Transaction Authentication via Screenshot Verification
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Solution Overview
Problem
The increasing sophistication of digital fraud in transactions, particularly in online payments, makes it difficult to detect fraudulent activities where bad actors misrepresent themselves or alter transaction parameters, leading to undetected fraud.
Innovation Solution
A system and method for authenticating counterparties in digital transactions involve obtaining characteristic content from a counterparty, sending it to an authentication server, and performing an authentication judgment based on reference content to verify the authenticity of the transaction parameters displayed to the user.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional digital transaction systems are used without authentication verification, then transaction speed and simplicity are maintained, but fraud detection capability deteriorates
Solution Approach 1:
An authentication server is introduced as an intermediary between the user's mobile terminal and the counterparty server. The mobile terminal captures screenshots of transaction parameters, sends them to the authentication server for verification against reference content, and receives authentication results. This intermediary system enables fraud detection without significantly complicating the user interface or transaction flow.
2Reliability
If authentication verification is performed for every transaction, then fraud detection accuracy is improved, but transaction processing time increases
Solution Approach 1:
Reference content (authentic transaction parameters) is pre-obtained and stored in the authentication server during a setup phase before actual transactions occur. When a transaction needs authentication, the system only needs to compare captured screenshots against this pre-prepared reference content, significantly reducing verification time compared to real-time generation or complex analysis.
3Measurement precision
If comprehensive transaction parameter verification is implemented, then measurement precision of transaction authenticity is improved, but difficulty of detecting and measuring fraud increases
Solution Approach 1:
The system captures screenshots (visual copies) of transaction parameters displayed on the user's mobile terminal screen. These screenshot copies are then sent to the authentication server for comparison against reference content. This copying approach simplifies verification by converting complex transaction data into comparable image formats, making fraud detection more straightforward while maintaining high precision.
Data Source
AI summary
A method for authenticating a counterparty to a digital transaction includes obtaining, at a mobile terminal from a unverified counterparty, characteristic content associated with the digital transaction to be displayed in a trusted user interface provided by the mobile terminal, sending, by the mobile terminal, data associated with the characteristic content to an authentication server; and obtaining, from the authentication server, a result of an authentication judgment by the authentication server, the authentication judgment based on the data associated with the characteristic content and an item of reference content.