NFC Transaction Authentication for Automatic Website Login

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Solution Overview

Problem

Users face inconvenience when shopping online due to the need for manual input of user account and payment information, and existing mobile devices with near-field communication capabilities do not adequately support automatic website login and security payments across all internet browsers and websites.

Innovation Solution

A method and system utilizing a mobile device to transmit transaction authentication program information to a computer device via near-field communication, which includes a database file and program that detects websites and automatically inputs user information if available, or captures it if not, to facilitate automatic website login and security payments.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If users manually input user account, password, and payment information on websites, then the websites can process transactions, but the user experience deteriorates due to forgetting credentials and the burden of manual input

Engineering Contradiction:

Improveease of online shopping operationVSAvoidtime spent on manual input

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The system pre-stores user account information, payment information, and website data in a database file on the mobile device before online shopping is needed. When shopping, the computer device automatically retrieves and inputs this pre-stored information without requiring user action, thereby eliminating the time loss and operational burden of manual input.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The transaction authentication program automatically performs the functions of logging in to websites, inputting user credentials, and completing payment transactions without user intervention. The system detects the current website, retrieves corresponding stored information, and executes the transaction autonomously, making the system serve itself rather than requiring continuous user operation.

Inventive Principle:

Principle #25Self-service

2Reliability

If a dedicated chip or specific mobile payment system is required for mobile payments, then payment security is improved, but device compatibility deteriorates as not all mobile devices can perform online payments

Engineering Contradiction:

Improvereliability of payment transactionVSAvoidcompatibility with mobile devices

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The system uses a database file that can be stored on any mobile device with near-field communication capability, without requiring dedicated payment chips or specific mobile payment systems. The universal database file format and NFC-based transmission mechanism enable compatibility across different mobile devices while maintaining secure payment transactions through the transaction authentication program.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Adaptability or versatility

If conventional mobile devices are used for online shopping, then device availability is improved, but functionality deteriorates because automatic login and payment across all browsers is not supported

Engineering Contradiction:

Improvecompatibility with internet browsersVSAvoidautomatic login and payment function

Core Design Contradiction:

Adaptability or versatilityVSExtent of automation

Solution Approach 1:

The transaction authentication program acts as an intermediary between the mobile device's stored database and the computer device's internet browser. It detects the current website being accessed, retrieves the appropriate stored information, and automatically inputs credentials and payment details into the browser, enabling automatic login and payment functionality across all internet browsers without requiring browser-specific implementations.

Inventive Principle:

Principle #24Intermediary (Mediator)

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

Enhances online shopping convenience by allowing automatic login and payment across various websites and browsers, reducing the burden of manual input and ensuring seamless transactions.

Implementation Method 1

utilizing a mobile device to transmit transaction authentication program information to a computer device via near-field communication

Methodology Applied

Scientific EffectNear-field communication: Electromagnetic Induction

Data Source

PatentUS11093928B2Electronic system and automatic website login and security payment method using near-field communication

Publication Date: 2021.08.17 WISTRON CORP

AI summary

An automatic website login and security payment method is provided. The method includes the steps of: utilizing a mobile device to transmit transaction authentication program information to a computer device via near-field communication, wherein the transaction authentication program information includes a database file and a transaction authentication program; detecting at least one website that is being visited by the computer device via the transaction authentication program; when the database file includes user information corresponding to the at least one website, inputting the user information in the database file into the at least one website; and when the database file does not include the user information corresponding to the at least one website, capturing the user information that is input on the at least one website via the transaction authentication program.