Payment Protocols TRIZ Cases
- Electronic Rebate System for Loyalty Leakage
Automated transaction processing applies rebate credits directly to customer accounts, eliminating merchant sales reporting leakage.
- Instant Messaging Server Restricted View Control
Messaging server applies restricted view conditions to prevent unauthorized sharing and protect user privacy.
- Network System for Professional Advice via Audit Trails
Computerized network system facilitates secure communication between lay users and professionals.
- Hierarchical Key Distribution System for Secure Financial Transactions
Hierarchical symmetric key distribution system reduces infrastructure costs by 75% and outperforms DUKPT in decryption speed.
- Blockchain Authentication Token Key Management
A blockchain-based authentication token generates and stores cryptographic keys on a user device.
- Self-Service Voucher Creation Interface for Retail Substantiation
A self-service user interface enables providers to configure purchase vouchers and generate identifiers without retailer staff intervention.
- Single-Use Payment Token Lifecycle Management
Payment-enabled tokens deactivate after one transaction to prevent unauthorized reuse.
- Trusted Intermediary for Indirect Device Pairing
A trusted intermediary mediates pairing between a consumer device and an untrusted public terminal.
- SAMS-Tag RF Tag Secure Mobile Payment Anti-Theft
An SAMS-Tag integrates anti-theft deactivation with mobile payment processing via radio frequency communication.
- Web Security Challenge Request Modification
Modifying web code with embedded challenge parameters filters illegitimate traffic before server processing, mitigating denial-of-service attacks.
- Intelligent Clearing Network for Real-Time Coupon Validation
An Intelligent Clearing Network processes GS1 barcode data from POS terminals to validate coupon information instantly.
- Blockchain Digital Costume NFT Ownership Verification
A blockchain system issues NFTs to verify digital costume ownership and enable secure virtual fitting experiences.
- Zero-Knowledge Proof Transaction Chain Verification
Succinct zero-knowledge proofs verify transaction chain linkage without transmitting full histories.
- Beacon Signal Virtual Stamp Service for Privacy
A beacon signal virtual stamp service manages user data through automatic terminal detection.
- Statement Credit Campaign Management via Transaction Handler
Transaction handler system automates statement credit campaign administration, reducing setup complexity and administrative burden for small businesses.
- Multi-Merchant Tokenization via Segmented Group IDs
A multi-merchant tokenization system generates unique tokens with group IDs to decentralize sensitive account data across payment processors.
- Device-Bound OTP Verification via Hash Function Binding
A device-bound one-time password system calculates an expected response by applying a hash function to a seed OTP and the device fingerprint.
- Browser Extension Module for Consolidating Off-Platform Incentives
An extension module aggregates off-platform incentive data and displays consolidated savings on the checkout page.