Payment Plug-in Device Authentication via Activation Message

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Solution Overview

Problem

Traditional mobile device browsers are unable to securely verify the user making a payment, as they cannot accurately transmit device-specific information, leading to potential unauthorized transactions and a cumbersome payment process.

Innovation Solution

A payment plug-in is implemented on the user's device to cooperate with the web browser, sending an activation message with device attributes to a payment server for authentication, ensuring that only authorized devices can process payments by matching stored user accounts.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If traditional mobile device browsers use WAP webpages for payments, then web accessibility is maintained, but security verification accuracy deteriorates

Engineering Contradiction:

Improveweb accessibilityVSAvoidsecurity verification accuracy

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent introduces a payment plug-in as an intermediary component between the mobile device browser and the payment server. This plug-in captures accurate device attributes (IMEI, MAC address, device fingerprint) and transmits them to the payment server for verification, resolving the inability of traditional WAP browsers to accurately verify device identity while maintaining web accessibility

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If traditional mobile device browsers use WAP page prompts for login credentials, then user authentication is obtained, but payment process complexity increases

Engineering Contradiction:

Improveuser authenticationVSAvoidpayment process complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The payment plug-in performs preliminary actions by pre-capturing device attributes and pre-establishing secure communication channels before the actual payment transaction. This allows the payment process to proceed more smoothly without requiring multiple manual authentication steps, reducing overall process complexity while maintaining authentication reliability

Inventive Principle:

Principle #10Preliminary action

3Reliability

If device attributes are transmitted for authentication, then security verification capability is improved, but data transmission accuracy requirements increase

Engineering Contradiction:

Improvesecurity verification capabilityVSAvoiddata transmission accuracy

Core Design Contradiction:

ReliabilityVSMeasurement precision

Solution Approach 1:

The payment plug-in creates accurate copies of device attributes (device fingerprint, hardware identifiers) and transmits these copies to the payment server. This copying mechanism ensures high data transmission accuracy is achieved, enabling reliable security verification without requiring the actual physical device to be directly accessed

Inventive Principle:

Principle #26Copying

Data Source

PatentUS10387852B2Making a payment using a payment plug-in

Publication Date: 2019.08.20 ADVANCED NEW TECHNOLOGIES CO LTD

AI summary

Making a payment using a payment plug-in is disclosed, including: receiving a payment request from a device; receiving an indication that the payment plug-in is not installed at the device; determining that the device has received the payment plug-in, wherein the payment plug-in is configured to be installed at the device; receiving an activation message from the payment plug-in, the activation message including at least an attribute associated with the device; determining a stored user account that matches the attribute associated with the device; and receiving from the payment plug-in a confirmation to process the payment request based at least in part on the matching user account.