Payment Password Reset Prediction Model for Mobile Apps
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Solution Overview
Problem
Users often forget their payment passwords during payment processing, leading to interruptions and failed transactions, as existing systems lack an efficient method to predict and address password forgetfulness.
Innovation Solution
A method and apparatus that utilize a prediction model trained with user data to determine if a payment password has been forgotten, autonomously outputting recommendation data for resetting the password when a user logs in, ensuring smooth payment processing by prompting users to reset their passwords before attempting a payment.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a user forgets their payment password during payment processing, then the payment processing is interrupted, but the user needs to manually find and access the password reset function which increases operation complexity and time loss
Solution Approach 1:
The system proactively detects when a user has forgotten their payment password before the actual payment operation occurs. By analyzing user behavior patterns and payment history, the system identifies users who are likely to forget their passwords and provides timely reminders or automatic reset suggestions, preventing payment interruptions before they happen.
Solution Approach 2:
The system continuously monitors user payment behavior and provides feedback about password status. When the system detects that a user has forgotten their password, it automatically notifies the user and guides them through the reset process, creating a closed-loop feedback mechanism that ensures payment continuity without requiring users to manually search for reset functions.
2Productivity
If the system provides manual password reset entrance, then users can reset passwords, but users must actively search for and initiate the reset process which increases operation time and reduces efficiency
Solution Approach 1:
The system automatically detects when a user has forgotten their payment password and initiates the reset process without requiring users to manually search for reset functions. The system self-identifies the problem, self-notifies the user, and self-guides through the reset process, significantly reducing the time users need to spend on password recovery.
Solution Approach 2:
The system performs preliminary detection of password forgetfulness conditions before users attempt payments. By identifying users who have forgotten their passwords in advance and providing timely reminders or automatic reset suggestions, the system prevents payment interruptions and reduces the overall time users spend on password-related issues.
3Reliability
If the system uses traditional password reset methods, then security is maintained, but user experience deteriorates due to manual intervention requirements and payment interruptions
Solution Approach 1:
The system continuously monitors user payment behavior and provides real-time feedback about password status. When the system detects that a user has forgotten their password, it automatically notifies the user and guides them through the reset process, creating a seamless experience that maintains security while improving ease of operation.
Solution Approach 2:
The system proactively identifies users who have forgotten their passwords before payment operations occur and provides timely reminders or automatic reset suggestions. This preliminary action prevents payment interruptions while maintaining security protocols, improving both payment success rate and user experience.
Data Source
AI summary
A method includes: training a prediction model with sample data; obtaining user information of a user as an input feature to the prediction model; predicting, using the prediction model according to a set of determination conditions, whether the user has forgotten a payment password associated with a payment application; and in response to predicting that the user has forgotten the payment password and detecting the user logging in the payment application with a login password different from the payment password, displaying a user interface for directing the user to a payment password resetting interface for resetting the payment password.