Weighted User-Merchant Authentication via Multi-Score Verification
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Solution Overview
Problem
Existing user-merchant association systems are vulnerable to fraudulent activities, where users generate false or temporary identification methods to exploit trial memberships and avoid purchasing full subscriptions.
Innovation Solution
A system and method that utilize one or more processors to check the validity of certificates, analyze previous communication patterns, and conduct messaging protocol checks to generate a weighted final score, determining whether to accept or deny user requests based on certificate, communication, and protocol scores.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If existing user-merchant association systems are used, then users can easily access subscription services during trial periods, but fraudulent users can exploit trial memberships by generating false identification methods
Solution Approach 1:
The system performs preliminary verification actions before allowing trial period access. It checks multiple parameters including certificate validity, communication patterns across multiple entities and regions, and messaging protocol compliance. This preliminary action prevents fraudulent users from exploiting trial memberships by validating their identity and behavior patterns in advance.
Solution Approach 2:
The verification process is segmented into multiple independent checks: certificate validation, communication pattern analysis across plurality of entities and regions, and messaging protocol verification. Each segment independently evaluates a specific aspect of user authenticity, and the results are combined to make the final acceptance/denial decision.
2Reliability
If comprehensive verification checks are implemented, then fraudulent activities are reduced, but system complexity increases
Solution Approach 1:
The complex verification system is divided into three independent modules: certificate validation, communication pattern analysis, and messaging protocol checks. Each module operates independently and processes specific verification tasks, making the overall complex system more manageable and maintainable while achieving comprehensive verification.
Solution Approach 2:
The system merges the results from multiple verification checks (certificate score, communication score, protocol score) into a single weighted final score. This combining approach integrates the complexity of multiple verification dimensions into one unified decision-making mechanism, simplifying the overall system architecture while maintaining comprehensive verification.
Data Source
AI summary
A system for identifying genuine user-merchant association. The system includes one or more processors and/or transceivers individually or collectively programmed to check the validity or expiration of a certificate from a device from which a request originates to create a certificate score, analyze previous communication from the device from which the request originates across a plurality of entities and regions to create a previous communication score, and conduct a messaging protocol check to create a protocol score. The one or more processors and/or transceivers are also programmed to output a weighted final score comprising a determination of whether to accept or deny the request based at least in part on one or more of the certificate scores, the previous communication score, or the protocol score. The one or more processors and/or transceivers are also programmed to save the weighted final score.