Payment Code Authentication via Cross-Terminal QR Reading
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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 read a payment code on a first terminal, which is then authenticated by a second terminal, enabling seamless authentication without additional user operations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a code for authentication is displayed and requires user to perform reading operation, then authentication security is improved, but user convenience deteriorates
Solution Approach 1:
Instead of requiring the user to read a code displayed on their own terminal, the system inverts the operation by having the second terminal read the code displayed on the first terminal. This reversal eliminates the need for the user to perform manual reading operations while maintaining authentication security, as the second terminal automatically captures and verifies the code.
Solution Approach 2:
The system enables self-service authentication where the second terminal automatically performs the authentication process by reading the code from the first terminal without requiring user intervention. The authentication is executed automatically based on the read information, allowing the system to serve itself rather than requiring active user participation.
2Reliability
If authentication requires additional user operations beyond payment, then authentication reliability is improved, but operation complexity increases
Solution Approach 1:
The authentication process is designed to be self-executing where the second terminal automatically reads the code and performs authentication without requiring the user to perform additional operations. The system handles the entire authentication sequence autonomously, reducing operational complexity while maintaining reliability.
Solution Approach 2:
The patent merges the authentication operation with the existing payment flow by having the second terminal read the code during the natural payment process. This integration eliminates separate authentication steps, combining multiple functions into a unified operation that maintains security without increasing complexity.
Data Source
AI summary
Provided is an authentication system including at least one processor configured to: acquire, when a code for payment displayed on a first user terminal of a user who uses a payment service is read by a second user terminal different from the first user terminal, read information read from the code for payment; and execute, when the read information is acquired, a code-for-payment authentication using the code for payment.