Payment System Position Verification for Illegal Use Detection
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Solution Overview
Problem
Current credit card payment systems lack stringent authentication procedures, making it easy for unauthorized users to misuse lost or stolen cards, as they do not adequately verify the card owner's location and usage patterns.
Innovation Solution
The system collects and compares various types of position information from user equipment with stored data to determine if a payment card is being used illegitimately, including measuring time intervals and personal behavior patterns during pre-authentication type simple payments, and verifies the card's usage by comparing these metrics against predetermined reference values.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If simple payment method is used without strict authentication, then payment convenience is improved, but security against illegal use deteriorates
Solution Approach 1:
The system performs preliminary authentication by verifying position information before completing the payment transaction. The user equipment checks whether the current position matches the stored position information, and only allows payment if the position verification succeeds, preventing illegal use while maintaining simple payment flow
Solution Approach 2:
Position information serves as an intermediary verification element between the user and the payment system. Instead of requiring complex direct authentication, the system uses position information as a mediator to indirectly verify user identity and prevent unauthorized payments
2Reliability
If position information verification is added to payment process, then security against illegal use is improved, but payment processing complexity increases
Solution Approach 1:
The system extracts position information verification as a separate, independent check from the main payment processing flow. The position verification is performed as a distinct preliminary step that does not complicate the core payment logic, allowing security enhancement while maintaining payment process simplicity
Solution Approach 2:
The authentication process is segmented into distinct modules: position information acquisition, position verification, and payment execution. This segmentation allows each component to be independently optimized and managed, reducing overall system complexity while enhancing security
3Measurement precision
If multiple position information checks are performed, then detection precision of illegal use is improved, but processing time increases
Solution Approach 1:
The system performs position verification at strategically selected points during the payment process rather than continuously. By checking position information at key moments (before payment completion), the system achieves sufficient detection precision without excessive processing time
Data Source
AI summary
Provided are user equipment, a service providing device, a payment system including the same, a control method thereof, and a non-transitory computer-readable storage medium storing a computer program recorded thereon. According to the present invention, when one or more payment cards related with a user of user equipment registered in the user equipment are used, the user equipment collects various types of position information related with the user equipment and then provides the various types of collected position information to the service providing device, the service providing device compares current position information of the user equipment with various types of position information collected in the user equipment to determine whether the payment card is illegally used. Therefore, it is possible to verify illegal usage which steals the user equipment or steals position information of a store and increase reliability of determining illegal usage.