Anonymous Payment Tokenization for Privacy Protection
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Solution Overview
Problem
Traditional online transaction systems expose customers' shipping addresses and personal information to merchants and eavesdroppers, compromising privacy during the checkout process.
Innovation Solution
Implementing a passive payment service that generates a unique identifier for anonymous transactions, anonymizing customer information, and routing communications through a network provider to enable zero-touch checkout while maintaining customer privacy.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional online transaction systems are used, then merchants can process payments and complete transactions, but customer personal information and shipping addresses are exposed to merchants and eavesdroppers
Solution Approach 1:
The patent introduces a payment token as an intermediary that replaces direct transmission of customer personal information. The token acts as a mediator between the customer's payment account and the merchant, allowing transaction processing without exposing sensitive customer data to the merchant or potential eavesdroppers.
Solution Approach 2:
The patent extracts sensitive personal information from the transaction communication flow by using a tokenization mechanism. The actual customer data is removed from the transmission path and replaced with a token, effectively taking out the harmful element (exposed information) while preserving the essential transaction functionality.
2Reliability
If customer personal information is transmitted during checkout, then merchants can verify customer identity and process payments, but customer privacy is compromised
Solution Approach 1:
The patent creates a copy of the customer's payment information in the form of a token that contains sufficient data for verification purposes but excludes sensitive personal details. This token copy enables payment verification while preserving the customer's privacy by not transmitting the actual personal information.
3Ease of operation
If traditional checkout flows are used, then transactions can be completed with full customer information, but the process exposes customers to privacy risks
Solution Approach 1:
The payment token serves as an intermediary that simplifies the checkout process while protecting privacy. The token can be used directly in the transaction flow without requiring customers to manually input or expose their personal information, maintaining ease of operation while eliminating privacy exposure risks.
Data Source
AI summary
A method for inline passive payment may include a passive payment computer program: (1) identifying a communication from an electronic device associated with a customer for a merchant backend; (2) intercepting the communication; (3) generating a unique identifier for the communication; (4) communicating the unique identifier to an issuer backend associated with the customer; (5) anonymizing the customer and/or the electronic device in the communication; and (6) routing the anonymized communication to the merchant backend with the unique identifier. The wherein the merchant backend is configured to request payment for a transaction involving the electronic device by providing transaction information and the unique identifier to the issuer backend, and the issuer backend is configured to issue a guarantee of payment for the merchant backend for the transaction using the unique identifier.