Digital Wallet Implicit Consent via Context Analysis
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Solution Overview
Problem
Current payment systems using digital wallets face challenges with explicit consent requirements, which can lead to interrupted transactions and hinder the deployment of mobile payment solutions, especially for low or high-value transactions, due to the need for additional user interactions and the inability to determine implicit consent effectively.
Innovation Solution
A digital wallet system that determines implicit user consent through context-based analysis, using a Consent Risk Manager module to process user actions, device information, and environmental data, allowing transactions to proceed without additional user interaction when consent is inferred.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If explicit consent requirements are implemented in payment transactions, then security and user authorization are improved, but transaction continuity and user experience deteriorate due to interrupted transactions and additional user interactions
Solution Approach 1:
The system performs preliminary user authentication through CDCVM before the payment transaction occurs. The authentication result is stored and can be reused for subsequent transactions within a validity period, eliminating the need for repeated explicit consent during transactions and maintaining both security and transaction continuity
Solution Approach 2:
The patent introduces a consent indicator and risk management system that acts as an intermediary between user authentication and transaction authorization. This mediator determines whether implicit consent applies based on contextual factors, allowing transactions to proceed without explicit user interaction when security conditions are met
2Reliability
If additional user interactions are required for consent verification, then security is improved, but ease of operation and transaction speed worsen
Solution Approach 1:
The system applies partial verification by using previously obtained authentication results instead of requiring complete re-verification for each transaction. When the consent indicator shows implicit consent is valid, the system performs only minimal verification rather than full explicit consent procedures, improving ease of operation while maintaining adequate security
Solution Approach 2:
The system enables self-service by allowing authenticated users to make transactions without requiring additional explicit consent interactions. The stored authentication result and consent indicator allow the system to automatically verify eligibility for implicit consent, eliminating the need for users to repeatedly provide explicit authorization
3Productivity
If implicit consent determination is implemented, then transaction speed and convenience are improved, but measurement precision and reliability of consent verification worsen due to contextual analysis limitations
Solution Approach 1:
The system implements feedback mechanisms where the consent indicator is continuously updated based on transaction outcomes and contextual factors. The risk management system learns from transaction patterns and adjusts the precision of implicit consent determination over time, improving measurement accuracy while maintaining transaction speed
Solution Approach 2:
The system changes parameters by using multiple contextual factors (device information, transaction amount, location, time) to dynamically adjust the threshold for implicit consent. By varying the stringency of consent determination based on risk parameters, the system achieves both fast transactions for low-risk cases and precise verification for high-risk cases
Data Source
AI summary
A method is described for providing user authentication and user consent for a transaction made with a payment device. A user authentication step is taken to verify that a user is entitled to use the payment device, and a user consent step is taken to verify that the user consents to the transaction. The user authentication step is discrete from the user consent step. A payment device adapted to perform this method is also described.