Position-Based Risk Assessment for Settlement Authentication
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing authentication processes in electronic settlement systems require cumbersome user authentication, leading to increased labor without adequately reducing security risks.
Innovation Solution
An information processing apparatus and method that determines risk based on the positional relationship between an authentication apparatus and a client apparatus, reducing the need for frequent authentication by transmitting position information and authentication results to determine secure settlement processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication processing methods are used based on reliability information, then security level is maintained, but user authentication labor increases
Solution Approach 1:
The system performs preliminary authentication by acquiring position information of the authentication apparatus and client apparatus before the settlement process. By checking whether the authentication apparatus and client apparatus are at the same position in advance, the system can determine risk level and avoid requiring full authentication processes for low-risk cases, thereby reducing user labor while maintaining security
Solution Approach 2:
The patent replaces traditional mechanical authentication methods (such as manual password input or card verification) with automated position-based authentication. By using position information from GPS or other location services to automatically determine authentication risk, the system substitutes manual authentication actions with automated spatial verification, reducing user burden while maintaining security levels
2Reliability
If frequent authentication processes are required, then security level is improved, but productivity of settlement process decreases
Solution Approach 1:
The system dynamically adjusts authentication requirements based on real-time position information. When the authentication apparatus and client apparatus are at the same position, the system determines low risk and reduces or eliminates authentication steps, improving productivity. When positions differ, the system increases authentication requirements to maintain security. This dynamic adjustment resolves the contradiction between security and efficiency
3Ease of operation
If position-based risk determination is implemented, then user authentication labor is reduced, but system complexity increases
Solution Approach 1:
The patent leverages existing multi-functional components (GPS receivers, position information acquisition units already present in mobile devices) to implement position-based risk determination. By using universally available position information functions rather than introducing specialized authentication hardware, the system reduces user labor while minimizing the increase in system complexity
Data Source
AI summary
The present disclosure relates to an information processing apparatus, an information processing method, a client system, and a control method of the client system that can reduce labor of authentication by a user without reducing a security level of a settlement process. The user wears a wearable device that performs fingerprint authentication and that periodically transmits position information to a bank server. In addition, the user operates a client apparatus including a smartphone, a PC, or the like to execute a settlement process. The client apparatus transmits position information of the client apparatus to a bank server in the settlement process. The bank server reduces a risk score if the wearable device and the client apparatus are at the same position based on the position information of the wearable device and the position information of the client apparatus. The present disclosure can be applied to a settlement processing system.