Secure mobile device transactions

This invention describes a system where a payment terminal scans a special code displayed on a user's mobile phone to get their information. The terminal then decides if extra security, like asking challenge questions, is needed based on the decoded information. One specific way it can trigger this extra security is by measuring the light coming from the phone's screen.

Why it matters: Filed before widespread adoption of AI/ML for real-time fraud detection. The adaptive security logic, which was likely rule-based in 2013, could now leverage sophisticated machine learning on the terminal for more robust offline authentication.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: ModerateScanner, processor, light sensor, software logic

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