Session Initiation System for Mobile Payment Authentication
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Solution Overview
Problem
Existing card readers often lack support for mobile devices without specialized hardware for near field communications, leading to inconvenient authentication processes and increased bandwidth and time requirements for transactions.
Innovation Solution
A method and system that utilize a session initiation system (SIS) to communicate session identifying information to a mobile device, which then communicates session information to an authentication server. The system determines the communication mode for an intermediate gateway, receives account information, and requests a payment transfer from an account server, thereby simplifying the authentication and payment process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If card readers support near field communications for mobile device payments, then payment convenience is improved, but device complexity and hardware requirements increase
Solution Approach 1:
The patent introduces an intermediary system comprising a session initiation system (SIS), authentication server, and account server that mediates between the mobile device and card reader. The mobile device communicates session information to the authentication server, which determines communication modes and coordinates with the SIS and account server. This intermediary architecture enables payment functionality without requiring specialized near field communication hardware in the mobile device, thus improving ease of operation while avoiding increased device complexity.
2Reliability
If traditional authentication processes are used, then security is maintained, but time consumption and bandwidth requirements increase
Solution Approach 1:
The patent implements preliminary action by having the session initiation system (SIS) establish communication modes and pre-coordinate authentication parameters before the actual payment transaction. The authentication server determines communication modes in advance, and session information is prepared and transmitted beforehand. This preliminary setup enables faster real-time authentication during the actual payment process, reducing authentication time while maintaining security through pre-established verification protocols.
Solution Approach 2:
The patent employs dynamics by implementing adaptive communication modes that can switch between different authentication pathways based on real-time conditions. The authentication server determines communication modes dynamically, allowing the system to optimize authentication speed while maintaining security requirements. This dynamic approach enables the system to balance between security and speed depending on the specific transaction context.
Data Source
AI summary
A method performed by a session initiation system (SIS) for reducing a time to authenticate a user includes communicating, to a mobile device, session identifying information associated with a session. The mobile device is configured to subsequently communicate at least part of the session identifying information to an authentication server, and the authentication server is configured to subsequently communicate account information associated with the session identifying information to an intermediate gateway. The method also includes receiving, from the intermediate gateway, the account information associated with the session identifying information; and communicating, to the intermediate gateway, a request that specifies the account information, wherein in response to receiving the request, the intermediate gateway is configured to communicate the request to an account server, and wherein the account server is configured to transfer a value amount from a first account specified by the account information to a second account associated with the account server.