Internet Appliance Payment Credential Registration

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Solution Overview

Problem

There is a need for systems and methods that facilitate remote purchasing and secure payment processes for consumers using Internet-connected household appliances, such as televisions and refrigerators, which can automatically generate and store consumer payment credentials locally, eliminating the need for storing payment card account details outside the payment system.

Innovation Solution

The system allows consumers to register payment credentials using Internet-connected appliances with integrated or external readers, which store the credentials locally and enable secure transactions by using a proxy or alias, allowing for automatic check-out processes without manual input, and enables payment capabilities for secondary devices connected to the same network.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If payment credentials are stored locally on Internet-connected appliances, then security risk is reduced, but device complexity increases

Engineering Contradiction:

ImprovesecurityVSAvoiddevice complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system segments the payment credential storage function by implementing a dedicated secure element within the appliance that is separate from the main processor and memory. This secure element is specifically designed to store payment credentials in isolation, providing enhanced security while keeping the rest of the device architecture relatively simple. The segmentation allows the secure credential storage component to be independently managed and protected.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces a payment credential management system that acts as an intermediary between the payment network and the appliance. This intermediary layer handles the complexity of credential storage, retrieval, and transmission, shielding the main device architecture from the complexities of secure credential management while still enabling local storage capabilities.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Ease of operation

If automatic registration is implemented, then ease of operation improves, but reliability may worsen due to automated errors

Engineering Contradiction:

Improveease of operationVSAvoidreliability

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The system implements self-service capabilities where the appliance automatically detects payment credentials through integrated readers, initiates registration processes, and completes enrollment without requiring manual user intervention. The appliance autonomously manages the credential storage and retrieval processes, reducing operational complexity for users while maintaining reliability through automated error handling and validation protocols.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The automatic registration system incorporates feedback mechanisms that monitor the registration process, validate credential data, and provide real-time status updates. If errors are detected during automated registration, the system generates feedback signals to correct issues or alert users, thereby maintaining high reliability while preserving ease of operation.

Inventive Principle:

Principle #23Feedback

3Reliability

If payment credentials are stored locally rather than externally, then security improves, but loss of information increases if device is lost or damaged

Engineering Contradiction:

ImprovesecurityVSAvoidloss of information

Core Design Contradiction:

ReliabilityVSLoss of information

Solution Approach 1:

The system employs parameter changes by implementing cryptographic transformations of payment credentials before storage. The credentials are encrypted using device-specific keys and stored in a secured format within the appliance. This parameter change from plaintext to encrypted format maintains security while enabling recovery mechanisms through key management systems that can restore access without exposing the actual credential data.

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

The patent implements beforehand cushioning through backup and recovery mechanisms that are pre-configured in the system. If the appliance is lost or damaged, the securely stored credential information can be recovered through authorized channels or restored to a replacement device through secure provisioning processes, cushioning against the potential loss of information while maintaining security.

Inventive Principle:

Principle #11Beforehand cushioning (Prior cushioning)

Data Source

PatentUS10956912B2Automatic registration and generation of consumer payment credentials using internet-connected appliances

Publication Date: 2021.03.23 MASTERCARD INT INC

AI summary

Methods and systems for generating consumer payment credentials using an Internet-connected appliance. In an embodiment, a primary Internet-connected appliance receives purchase transaction information from a secondary appliance. The process also includes generating a purchase transaction authorization request based on purchase transaction information and on payment account credential data that is stored locally in a dedicated storage element, transmitting the purchase transaction authorization request via the Internet to a gateway server computer, receiving a purchase transaction authorization response, and transmitting the purchase transaction authorization response via a domestic network to the secondary appliance for display to a consumer.