Payment Code Authentication Without User Scanning Steps
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Solution Overview
Problem
Existing authentication systems in payment services require users to perform non-standard operations, such as reading codes for authentication, which detracts from user convenience.
Innovation Solution
An authentication system that allows users to switch between different authentication methods based on the necessity of changing their registered telephone number when switching user terminals, using a read information acquisition module to acquire code information and an authentication module to execute appropriate authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a code for authentication is displayed and requires the user to perform a reading operation, then security is improved, but user convenience deteriorates because the user must perform non-standard operations
Solution Approach 1:
Instead of requiring the user to read a code displayed on their own terminal (standard payment flow), the system inverts the operation: the user's terminal displays a code that is read by the other party's terminal (merchant terminal or service provider terminal). This inversion eliminates the need for users to perform unfamiliar reading operations while maintaining security through the same code-based authentication mechanism.
2Reliability
If authentication requires additional operations beyond standard payment, then security is improved, but productivity deteriorates due to increased operation time
Solution Approach 1:
The system merges the authentication operation with the standard payment flow by having the merchant terminal or service provider terminal perform the code reading operation as part of their normal transaction process. This combines security verification with the existing payment workflow, eliminating separate authentication steps and reducing overall transaction time.
3Reliability
If the system requires users to perform unfamiliar operations for authentication, then security is improved, but ease of operation worsens due to user unfamiliarity
Solution Approach 1:
The system enables the merchant terminal or service provider terminal to automatically read and verify the authentication code displayed on the user's terminal without requiring the user to manually input or transfer any information. The user simply views the code on their familiar device, and the reading operation is performed automatically by the other party's system, making the process as convenient as standard payment operations.
Data Source
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AI summary
A read information acquisition module (107) of an authentication system (1) acquires, when a code for payment displayed on a first user terminal (30A) of a user who uses a payment service is read by a second user terminal (30B) different from the first user terminal (30A), read information read from the code for payment. An authentication module (102) executes, when the read information is acquired, a code-for-payment authentication using the code for payment.