Voice and Video Transaction Authentication via Separate Channels
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Solution Overview
Problem
Conducting transactions over voice and video calls is risky due to the potential for credit card information to be intercepted or misheard, leading to unauthorized purchases and errors in order fulfillment.
Innovation Solution
A separate, parallel authentication process using a secure transaction application that allows users to authenticate themselves and approve transactions through a different communication channel, ensuring secure payment without interrupting the ongoing call.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If credit card information is read aloud during a communications session, then payment can be processed, but security is compromised due to potential interception or mishearing
Solution Approach 1:
The patent divides the transaction process into two separate communication channels: the primary channel for transaction discussion and a secondary authenticated channel for payment confirmation. This segmentation allows the payment authorization to occur through a secure, verified path while the main transaction proceeds separately, thus maintaining both speed and security.
Solution Approach 2:
The system introduces an intermediary authentication mechanism that mediates between the transaction request and payment processing. This intermediary layer verifies user identity and intent through a separate communication channel before authorizing payment, preventing direct exposure of sensitive information while enabling rapid transaction completion.
2Object-affected harmful factors
If a separate authentication channel is used, then security is improved, but device complexity increases
Solution Approach 1:
The patent leverages the device's existing multi-functional communication capabilities by using a secondary communication channel that the device already supports (such as text messaging or alternative voice channels). This approach adds security functionality without requiring new hardware or complex infrastructure, as the device's universal communication abilities are utilized.
3Object-affected harmful factors
If payment is processed before or after the communications session, then security is improved, but transaction accuracy decreases due to potential misunderstandings
Solution Approach 1:
The system performs preliminary authentication and intent verification through the secondary channel before final payment processing. This preliminary action ensures that the user's payment intent is confirmed and accurate while maintaining security, as the authentication occurs in advance but the actual payment follows the verified transaction details.
Data Source
AI summary
Methods and systems for authenticating communications sessions, such as voice and video calls, are described herein. A communications session, such as a video or voice call, may be detected. The communications session may relate to a transaction, such as a financial transaction. An authorization request may be received during the communications session. The authorization request may be received by a secure transaction application and via a first communications channel that is different from a second communications channel used for the communications session. A request to approve one or more goods or services to be purchased via the transaction may be displayed. In response to user input responding to the request, an authorization of the transaction may be transmitted to a server. The authorization may be configured to cause the server to initiate payment for the transaction using payment information associated with a user.