Selective Mobile Authentication Interchange
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Solution Overview
Problem
Existing mobile communication systems for facilitating online transactions are inefficient in processing payments, as they often require cumbersome authentication and authorization processes, leading to delays and increased user input, especially in scenarios where network outages occur.
Innovation Solution
A system that includes a data storage facility and an interchange with a common format processor and converters to interface with various controllers, allowing for the option to skip mobile communications for authentication in certain payment requests, enabling faster billing without user confirmation, and utilizing transaction history to streamline subsequent payments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If mobile communications are required for authentication in all payment transactions, then security is improved, but transaction speed and user convenience deteriorate
Solution Approach 1:
The patent applies local quality by differentiating authentication requirements based on transaction characteristics. Low-risk transactions (e.g., small amounts, frequent users, trusted merchants) use simplified authentication or skip mobile communication entirely, while high-risk transactions trigger full authentication protocols. This selective approach optimizes security where needed while improving speed where possible.
Solution Approach 2:
The system dynamically adjusts authentication requirements based on real-time risk assessment. The interchange evaluates transaction parameters and dynamically determines whether mobile communication authentication is necessary, transitioning between security modes based on the specific transaction context rather than applying a static authentication rule to all transactions.
2Reliability
If mobile communications are required for authentication in all payment transactions, then security is improved, but system complexity and user input requirements worsen
Solution Approach 1:
The patent segments the authentication process into multiple pathways. The interchange evaluates transactions and routes them to appropriate authentication methods: some transactions use automated risk-based authentication without mobile communication, others use simplified confirmation, and only high-risk transactions require full mobile communication authentication. This segmentation reduces overall system complexity by avoiding universal complex authentication.
Solution Approach 2:
The system performs self-service through automated risk assessment and authentication decision-making. The interchange automatically evaluates transaction parameters and determines authentication requirements without user intervention, reducing both system complexity and user input requirements while maintaining security through intelligent automation.
3Reliability
If mobile communications are required for authentication in all payment transactions, then security is improved, but time consumption and efficiency worsen
Solution Approach 1:
The patent implements preliminary action by pre-establishing user profiles, transaction patterns, and risk parameters during initial system setup and ongoing transactions. The interchange uses this pre-collected information to quickly assess transaction risk and determine authentication requirements, eliminating the need for time-consuming mobile communication authentication in low-risk cases while maintaining security through prepared risk assessment frameworks.
Data Source
AI summary
Systems and methods to accelerate transactions made via mobile communications. In one aspect, a system includes: a data storage facility to store information associated with past payment transactions and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers. The converters are configured to communicate with the controllers in different formats, and to communicate with the common format processor in a common format. After a payment request identifying the phone number is received in the interchange, the common format processor is to determine whether to skip mobile communications with a mobile phone at the phone number to confirm/authenticate the request, based on real time information about the current transaction, the historical transaction data related to the phone number, and other data such as social graph data related to the user of the phone number.