Transaction Verification via Mobile Device Copy-Paste

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Solution Overview

Problem

Existing electronic transaction systems are vulnerable to malware interference and user errors due to cumbersome verification processes, particularly when relying on untrustworthy first devices and small keypads on mobile devices for entering transaction information.

Innovation Solution

A system and method that utilizes a second unit, such as a mobile device, to receive transaction information and confirmation requests from a server, allowing users to verify transaction details without re-entering information, and generates a transaction confirmation code based on the received information, which is then sent back to the server for verification, ensuring secure and accurate transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If transaction information is entered manually on a mobile device keypad, then user authentication can be completed, but user errors increase and ease of operation deteriorates

Engineering Contradiction:

Improvetransaction accuracyVSAvoidease of transaction entry

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent displays transaction information on the mobile device screen and allows users to copy it, then paste it directly into the transaction field. This eliminates manual typing on small keypads, reducing errors while maintaining ease of operation. The copying mechanism transfers the exact transaction details without human transcription errors.

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent replaces the mechanical keypad entry system with a digital copy-paste mechanism. Instead of physically pressing keys on a small mobile device keypad, users interact through screen display and digital text transfer, which is more accurate and easier to perform.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If a second device is used for transaction verification, then transaction security improves, but device complexity increases

Engineering Contradiction:

Improvetransaction securityVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent uses a mobile device that the user already possesses and uses for everyday communication. By making this existing device serve the additional function of transaction verification, the system avoids adding specialized hardware while maintaining security. The mobile device's camera, screen, and communication capabilities are leveraged for verification purposes.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent introduces a mobile device as an intermediary between the user and the transaction system. This intermediary verifies transaction details by displaying information and confirming user intent before allowing the transaction to proceed, thereby enhancing security without requiring complex specialized verification hardware.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If transaction information is sent to a mobile device via SMS, then verification reliability improves, but loss of information may occur due to character limitations

Engineering Contradiction:

Improveverification reliabilityVSAvoidtransaction detail completeness

Core Design Contradiction:

ReliabilityVSLoss of information

Solution Approach 1:

The patent replaces the SMS text message delivery mechanism with a push notification system that delivers to the mobile device's notification center. Push notifications can convey more information and link directly to the transaction verification screen, avoiding the character limitations and formatting constraints of SMS while maintaining reliable delivery.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS20110213711A1Method, system and apparatus for providing transaction verification

Publication Date: 2011.09.01 ENTRUST CORP

AI summary

A system and method provides electronic transaction verification using multiple different units. A first unit initiates an electronic transaction in response to user authentication affirmation by, for example, a server (such as a web server). After the user has been authenticated, another unit, such as a mobile device, receives a transaction confirmation request for the electronic transaction that is ongoing via the first unit. In addition, the second unit also receives from, for example, the server, transaction information based on the electronic transaction. The second device through a user interface and without requiring a user to enter transaction information, provides the received transaction information from the server for evaluation by a user of the second unit. The second unit requests from the user, in response to the transaction confirmation request, confirmation of the transaction. The second unit generates a transaction confirmation code based on the received transaction information if the transaction is confirmed by the user of the second unit and sends it to the server for verification by the server.