Pre-authentication Server System for Faster E-commerce Checkout
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Solution Overview
Problem
Current e-commerce payment systems are inefficient due to time-consuming multi-factor authentication processes, particularly during peak sales events, which can lead to missed purchases and a poor consumer experience.
Innovation Solution
Implementing a pre-authentication method that allows users to authenticate their payment transactions in advance, using a server system to facilitate multi-factor authentication and store pre-authenticated transaction data, enabling faster checkout by processing transactions at a scheduled time without the need for repeated authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If multi-factor authentication is performed during transaction time, then authentication security is ensured, but transaction time is increased
Solution Approach 1:
The patent applies preliminary action by performing multi-factor authentication in advance before the actual transaction occurs. Users authenticate themselves and their payment methods beforehand, and this pre-authenticated status is stored. When the actual transaction happens, the system retrieves the pre-authenticated status, eliminating the need for repeated authentication steps and significantly reducing transaction time while maintaining security.
2Reliability
If authentication is performed repeatedly during peak sales events, then transaction security is maintained, but consumer experience is degraded
Solution Approach 1:
The system performs authentication preliminarily before peak sales events or before the actual transaction. Users complete the authentication process in advance, and their authenticated status is stored. During peak sales events, when transactions occur, the system simply retrieves the pre-stored authenticated status, providing seamless transaction experience without repeated authentication steps, thus maintaining both security and ease of operation.
Solution Approach 2:
The patent implements self-service by allowing users to complete authentication themselves in advance and have the system automatically retrieve and apply their pre-authenticated status during transactions. This eliminates the need for users to repeatedly provide authentication credentials during peak sales events, making the process automatic and convenient while maintaining security.
3Productivity
If pre-authentication is implemented, then transaction speed is improved, but system complexity is increased
Solution Approach 1:
The system implements pre-authentication by performing authentication in advance and storing the result. When a transaction occurs, the system retrieves the pre-authenticated status from storage, which significantly speeds up the transaction process. The added complexity of storing and retrieving pre-authenticated status is justified by the substantial improvement in transaction speed, especially during peak sales events.
Data Source
AI summary
Embodiments provide methods, and server systems for enhancing checkout experience of an e-commerce transaction. A method includes receiving, by a server system associated with a payment network, a pre-authentication request signal for a prospective e-commerce transaction for a payment card of user. The pre-authentication request signal includes a time data for an expected transaction time, a transaction amount data, a payment card data and at least one transaction identifier data. The method includes electronically facilitating a pre-authentication of the prospective e-commerce transaction based at least on performing a multi-factor pre-authentication. Upon successful pre-authentication, the method includes storing a pre-authenticated transaction data. The method includes sending a notification signal of successful pre-authentication to a user device. The method includes processing the prospective e-commerce transaction at the expected transaction time based on a user input received using a user interface of an e-commerce application and upon successfully verifying the pre-authenticated transaction data.