Passive Secondary Authentication Using Device Presence and Biometrics
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Solution Overview
Problem
Existing mobile payment systems lack robust secondary authentication measures, leading to a cumbersome user experience and inadequate fraud detection due to the lack of integration with real-time data from multiple user devices.
Innovation Solution
Implement passive secondary authentication by associating additional user devices with a payment account, utilizing biometric data and device presence checks to verify transactions without requiring explicit user interaction, enhancing fraud detection through real-time data analysis from multiple devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If additional authentication measures such as secondary authentication code are introduced, then transaction security is improved, but user experience becomes cumbersome
Solution Approach 1:
The system performs preliminary authentication by associating multiple user devices with the payment account before the actual transaction occurs. Device presence checks and biometric data collection happen in advance, so that when a transaction is initiated, the authentication is already validated or can be quickly confirmed without requiring additional user actions at the point of sale.
Solution Approach 2:
The system enables self-service authentication by automatically monitoring device presence and collecting biometric data from user devices without requiring explicit user interaction during the transaction. The authentication process occurs passively in the background, eliminating the need for users to manually enter codes or perform additional authentication steps.
2Reliability
If real-time data from multiple devices is collected and analyzed, then fraud detection accuracy is improved, but system complexity increases
Solution Approach 1:
The system segments the authentication and fraud detection functionality across multiple user devices, with each device contributing specific data (device presence, biometric information) to the overall authentication process. This distribution of functions allows the system to gather comprehensive fraud detection data without requiring a single complex centralized system.
Solution Approach 2:
Multiple user devices serve universal functions in the authentication process - each device can provide device presence verification, biometric data collection, and location information. This multi-functionality allows the system to achieve high fraud detection accuracy using existing user devices rather than requiring specialized equipment, thereby managing system complexity.
Data Source
AI summary
Examples herein can receive a request to authorize a card payment from a point-of-sale device. The request is associated with an attempted card payment. The system further determines a user account associated with the payment request and identifies at least one passive authentication factor linked to the user account. The passive authentication factor is associated with at least one device associated with the user account. The system then determines whether the passive authentication factor is satisfied by analyzing the device. If the passive authentication factor is satisfied, the system transmits a transaction authorization indication to the point-of-sale device.