Electronic Credentials TRIZ Cases
- Authorization Server Cryptogram Routing for Multi-Issuer Payments
A payment server generates secondary issuer cryptograms to enable single-device transactions across multiple accounts.
- Limited Account System with Visual Code for Cashless Access
A limited account system uses a visual code on a physical token to enable cashless transactions for marginalized users.
- Mobile Tokenization Hub for Unified Payment Identity Management
A mobile tokenization hub centralizes identity management across diverse payment channels.
- Multi-Step Authentication Configuration via Hierarchical Segmentation
Segmenting authentication into organization, group, and user levels enables customizable settings while reducing administrative overhead.
- Merchant Device Payment Authentication via Server Credential Validation
Server system validates customer credentials on merchant devices to enable electronic payments without mobile hardware.
- Card Issuer Backend Token Reassignment for Wallet Provisioning
A card issuer backend generates and provisions a replacement token to an electronic wallet before physical delivery.
- Real-Time Payment Identifier Consolidation
- EMV Transaction Authorization Without Secure Elements
A payment application deployed outside a secure element generates a certificate hash based on an expiration date parameter.
- Contactless Transaction Authentication via Device Location and Signature
A contactless payment system authenticates buyers by verifying their mobile device's physical location and unique electromagnetic signature.
- Authentication Terminal Payment Account Switching
Server mediates account verification to automatically switch user terminal accounts, eliminating manual steps in shared device environments.
- Dynamic Card Validation Using Cell Identifier Matrices
A card validation system transmits cell identifiers to users for physical possession verification.
- Device Authorization via Multi-Identifier Fingerprinting
A device authorization method uses multiple identifiers to generate a unique fingerprint for secure application access.
- Transaction Confirmation via User Attribute Similarity
A risk control system determines user attribute similarity to verify payment requests.
- Settlement Server Authentication Security via Dynamic Verification Codes
A settlement server generates dynamic verification codes using key information and time parameters to authenticate offline transactions securely.