Trusted Resident App Payment Authentication
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Solution Overview
Problem
The process of authenticating payments in online transactions is tedious and inefficient, requiring users to repeatedly enter identification and authorization information for each purchase, leading to increased time and effort.
Innovation Solution
A system and method that utilizes a trusted resident software application on user devices, such as personal computers or mobile communication devices, to authenticate payments through a user interface, allowing users to input credentials once and confirm purchases via a pop-up notification window, streamlining the authentication process across multiple online transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users enter identification material and authenticate themselves for each online transaction, then payment security is maintained, but the transaction process becomes tedious and time-consuming
Solution Approach 1:
The system performs preliminary authentication by storing verification codes on the user's computer during initial setup. This preliminary action eliminates the need for repeated credential entry during subsequent transactions, reducing authentication time while maintaining security through the stored verification mechanism
Solution Approach 2:
The invention introduces an intermediary verification code stored on the user's computer that mediates between the user and the payment authentication process. This intermediary element allows rapid authentication by simply displaying or entering the pre-stored code, rather than requiring full credential re-entry, thus resolving the contradiction between security and speed
2Measurement precision
If users re-enter identification material for each purchase from different websites, then authentication accuracy is ensured, but operational efficiency decreases
Solution Approach 1:
The system extracts the most critical authentication element (the verification code) and stores it locally on the user's computer. This extraction allows users to authenticate quickly by using only the essential verification code rather than re-entering complete identification materials, thereby improving operational efficiency while maintaining authentication accuracy through the secure verification mechanism
Data Source
AI summary
A system and method for facilitating electronic commerce over a network, according to one or more embodiments, includes communicating with a user via a user device over the network, distributing a resident application to the user device over the network, displaying a service icon on the user device, and receiving an authentication request from the user via the user device over the network. The service icon is linked to the resident application, and the authentication request includes user credentials inputted by the user via user selection of the service icon and resulting user access of the resident application. The system and method includes communicating with the resident application on the user device to request user confirmation of the authentication request, receiving user confirmation from the user via the user device over the network, authorizing the authentication request, and notifying the user of the authorized authentication request over the network via the resident application.