Wearable Device One-Time Password Generation Using Embedded Algorithm Chip
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Solution Overview
Problem
Current identity verification methods in offline payment scenarios, particularly with intelligent wearable devices, lack efficient and secure solutions for generating and verifying one-time passwords, which is crucial for secure transactions.
Innovation Solution
An identity verification method and system utilizing an intelligent wearable device with an embedded algorithm chip that obtains provisioning data from a server, generates a one-time password using a micro operating system, and verifies it through a verification server, ensuring secure and synchronized time-based authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If identity verification is implemented using intelligent wearable devices in offline payment scenarios, then payment convenience and user experience are improved, but security risks and authentication reliability may worsen due to the lack of established secure OTP generation and verification mechanisms
Solution Approach 1:
The system segments the authentication process into distinct components: OTP generation occurs locally on the wearable device using embedded algorithm chips, while OTP verification occurs on the merchant device. This segmentation allows the wearable device to maintain security credentials locally without requiring constant network connectivity, improving both convenience and reliability of authentication
Solution Approach 2:
The patent introduces an intermediary verification mechanism where the merchant device acts as a mediator between the wearable device and the payment system. The merchant device captures the OTP, sends it to the verification server, and receives verification results, thereby establishing a reliable authentication chain that enhances security while maintaining user convenience
2Reliability
If a secure one-time password generation system is implemented in wearable devices, then transaction security is improved, but device complexity and implementation difficulty worsen due to the need for embedded algorithm chips and synchronized time-based authentication
Solution Approach 1:
The patent employs universal algorithm chips that can be integrated into various wearable device platforms. These chips implement standardized OTP generation algorithms (such as TOTP) that work across different device types and operating systems, reducing implementation complexity while maintaining high security standards through proven cryptographic methods
Solution Approach 2:
The system performs preliminary actions by pre-configuring the wearable device with embedded algorithm chips during manufacturing or initial setup. The chips are pre-loaded with secure authentication algorithms and can be provisioned with unique identifiers before the device is used for payments, thereby simplifying the deployment process and reducing implementation complexity while ensuring security from the outset
Data Source
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AI summary
Implementations of the present application disclose an identity verification method and system and an intelligent wearable device. The method includes: obtaining and storing, by an intelligent wearable device configured with an embedded algorithm chip, provisioning data from a provisioning server by using a connected intelligent terminal; invoking, by the intelligent wearable device, the embedded algorithm chip by using a micro operating system and generating and presenting a one-time password based on the provisioning data; obtaining, by a merchant device, the presented one-time password and sending the one-time password to a verification server for verification; and receiving, by the merchant device, a verification success message sent by the verification server to complete identity verification. The implementations of the present application can implement identity verification of the intelligent wearable device.