RFID Tap-and-Pay Authentication via Geolocation Proximity
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Solution Overview
Problem
Existing methods for authenticating 'tap & pay' transactions using RFID devices are not capable of verifying identity in less than a second, and are vulnerable to fraud due to the potential for illicit receivers to capture account information.
Innovation Solution
A method that determines the approximate location of a wireless terminal based on cached position information and compares it to the location of a transaction request, generating an alert if they do not match in geographical proximity, thereby facilitating rapid authentication of transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If traditional RFID tap & pay verification is used, then transaction speed is improved, but security vulnerability increases due to potential fraud
Solution Approach 1:
The system performs preliminary actions by establishing a database of legitimate wireless terminal locations before fraud occurs. When a transaction occurs, the system compares the terminal's current location against this pre-established database to detect anomalies, enabling rapid authentication while maintaining security through proactive location verification rather than reactive monitoring
Solution Approach 2:
The patent introduces an intermediary verification layer between the RFID terminal and the transaction processing system. This intermediary component independently verifies the geographical location of the wireless terminal and compares it against expected locations, acting as a mediator that adds security without significantly impacting transaction speed
2Reliability
If location verification is added to RFID transactions, then transaction security is improved, but processing time increases
Solution Approach 1:
The system pre-establishes and stores legitimate terminal locations in a database before transactions occur. This preliminary action eliminates the need for real-time location determination during authentication, as the system only needs to compare current location data against pre-stored reference locations, significantly reducing processing time while maintaining security
Solution Approach 2:
The patent creates a copy or representation of the terminal's expected location profile in the database rather than requiring continuous verification against complex criteria. This simplified copy-based comparison approach enables rapid authentication decisions without the computational burden of comprehensive location analysis
Data Source
AI summary
A method and system for validating an Internet transaction by geographically locating the user's mobile phone and the location of the transaction. The invention also provides a method for detecting and reducing the incidence of fraud during electronic transactions, by generating an alert if the two locations do not match in geographical proximity. The method does not require any user intervention other than the user's interaction with an Internet site via the Internet user's Internet browser.