Zero-step Mobile Payment Authentication via Detection Device
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Solution Overview
Problem
Current wireless payment systems using mobile devices require customers to handle their devices, which interferes with business interactions, lacks touchless payment security, and is not compatible with existing business methodologies.
Innovation Solution
A zero-step authentication system that uses a payment facilitation device to detect and recognize registered mobile devices, display customer photos for identity confirmation, and automatically deduct payments from pre-authorized accounts without requiring customers to handle their devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If customers use mobile devices for wireless payments, then payment convenience is improved, but customer interaction with business environment deteriorates
Solution Approach 1:
The system separates the payment authentication function from the mobile device itself. Instead of requiring the customer to operate the mobile device for payment, the system segments the authentication process into: (1) automatic device detection and identification, (2) photo display for employee verification, and (3) automatic payment processing. This segmentation allows the mobile device to remain in the customer's pocket while still enabling payment functionality.
Solution Approach 2:
The payment facilitation device acts as an intermediary between the customer's mobile device and the payment processing system. It receives the device identifier from the mobile device, retrieves customer information, displays the photo for verification, and processes the payment automatically. This intermediary eliminates the need for the customer to directly interact with their mobile device during the payment process.
2Productivity
If automatic payment detection is implemented, then payment processing speed is improved, but system complexity increases
Solution Approach 1:
The system performs preliminary actions by pre-registering customer mobile devices and storing their information (device identifiers, photos, account details) in a database before the actual payment transaction. When a payment is needed, the system only needs to detect the device identifier and retrieve the pre-stored information, rather than collecting all payment data in real-time. This preliminary setup enables fast automatic payment processing without complex real-time data collection.
3Ease of operation
If touchless payment is implemented, then customer experience is improved, but security requirements increase
Solution Approach 1:
The system incorporates feedback by displaying the customer's photo on the payment facilitation device screen for employee verification before processing the payment. This visual feedback mechanism allows the employee to confirm that the device belongs to the person making the purchase, providing a security check without requiring the customer to handle their device or enter a passcode. The feedback loop ensures secure authentication while maintaining the touchless experience.
Data Source
AI summary
A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.