Optical Code Authentication for Fraud-Resistant Application Sessions
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Solution Overview
Problem
Existing authentication methods for in-person interactions are ineffective in preventing fraud and degrade the customer experience, as customers are unaware of fraudulent activities by agents and must repeatedly perform authentication processes.
Innovation Solution
A user device generates an optical code that is scanned by an agent device to verify an in-person interaction, enabling access to application functions only after successful authentication, ensuring that services are requested by the user via an established application session.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods are used for in-person interactions, then agents can access application functions, but security is compromised and fraud cannot be prevented
Solution Approach 1:
The system generates an optical code in advance that contains authentication information before the actual service transaction occurs. This preliminary authentication code is then scanned by the agent device to verify the customer's presence and authorization, preventing fraud while streamlining the authentication process.
Solution Approach 2:
The patent uses an optical code (visual copy) that encapsulates authentication data, replacing complex multi-step authentication procedures. The optical code serves as a portable, scannable representation of user authorization that can be quickly verified by the agent device without requiring repeated authentication interactions.
2Reliability
If repeated authentication processes are required, then security is maintained, but customer experience deteriorates
Solution Approach 1:
Authentication is performed in advance by generating and scanning the optical code before the service transaction begins. This preliminary authentication eliminates the need for repeated authentication steps during the interaction, reducing time loss while maintaining security through the pre-verified optical code.
Solution Approach 2:
The optical code authentication establishes a continuous authorized session between the customer and agent device. Once authenticated via the optical code, the customer can access application functions continuously without interruption from repeated authentication prompts, maintaining both security and efficiency throughout the interaction.
3Reliability
If optical code authentication is implemented, then fraud is prevented and security is enhanced, but device complexity increases
Solution Approach 1:
The patent employs an optical code (visual copy containing data) that can be generated by standard mobile devices and scanned by common imaging components in agent devices. This approach prevents fraud through cryptographic verification of the optical code while avoiding the need for specialized hardware, thus limiting the increase in device complexity to software implementation only.
Data Source
AI summary
In some implementations, a user device may receive, from a user of the user device, a request to initiate an application session that is associated with an application. The user device may provide, to a server device based on receiving the request, an optical code associated with the server device establishing the application session. The user device may output the optical code via an output component. The user device may receive, from the server device, a notification that an agent device has joined the application session via a scan of the optical code from the output component. The user device may enable a function of the application based on the notification indicating that the agent device is capable of facilitating a service via the application session, wherein the service is associated with the function.