Application Linkage Card Payment System for Transaction Verification

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Solution Overview

Problem

Current card payment systems are prone to errors and fraudulent transactions due to the lack of user control over transaction information and the inability to prevent card information leakage, leading to disputes between users and sellers.

Innovation Solution

A card payment system through application linkage, where a user terminal and payment terminal are connected via an application server, allowing users to input and verify transaction details, including signatures and tips, ensuring that only linked payment cards are used, and transactions can be canceled if errors are detected or if the user is not authenticated.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the seller manually enters card information and transaction details into the payment terminal, then the payment transaction can be processed, but the purchaser cannot verify transaction information and card information may leak

Engineering Contradiction:

Improvetransaction securityVSAvoidcard information leakage

Core Design Contradiction:

ReliabilityVSLoss of information

Solution Approach 1:

The patent introduces a purchaser terminal as an intermediary device between the seller terminal and the payment card. The purchaser terminal receives card information from the seller terminal, displays it for verification, and transmits transaction information back to the seller terminal. This intermediary mechanism allows the purchaser to verify transaction details without directly handling the card, preventing card information leakage while maintaining transaction security.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If the seller inputs all transaction settings (amount, signature, tip) into the payment terminal, then the transaction can be processed quickly, but fraudulent charging may occur without user awareness

Engineering Contradiction:

Improvetransaction processing speedVSAvoidtransaction accuracy

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The patent implements a feedback mechanism where the purchaser terminal receives transaction information from the seller terminal, displays it to the purchaser for verification, and only after purchaser confirmation does the transaction proceed. This feedback loop ensures that the purchaser is aware of and approves the transaction details (amount, signature, tip) before completion, preventing fraudulent charging while maintaining efficient processing.

Inventive Principle:

Principle #23Feedback

3Ease of operation

If the purchaser hands the card to the seller for processing, then the transaction can be completed, but card information may be exposed during the handover process

Engineering Contradiction:

Improvetransaction convenienceVSAvoidcard information exposure

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent replaces the mechanical handover of the physical card from purchaser to seller with an electronic transmission of card information. The seller terminal reads the card information using a card reader, transmits it electronically to the purchaser terminal for verification, and then processes the transaction. This substitution eliminates the need for physical card handover, maintaining transaction convenience while preventing card information exposure during transfer.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

4Loss of information

If the POS terminal displays transaction information to the purchaser, then the purchaser can recognize the amount, but card information leakage cannot be prevented and transaction disputes remain unclear

Engineering Contradiction:

Improvetransaction visibilityVSAvoidtransaction responsibility

Core Design Contradiction:

Loss of informationVSReliability

Solution Approach 1:

The patent segments the transaction verification process into distinct functions performed by different terminals. The seller terminal is responsible for card reading and initial transaction setup, while the purchaser terminal is responsible for verifying card information and confirming transaction details. This segmentation clearly assigns responsibilities to each terminal, preventing card information leakage by limiting its display to the purchaser terminal only, and making transaction responsibility clear in case of disputes.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentEP4202814A1Card payment method and system through application linkage

Publication Date: 2023.06.28 PARK HEE YOUNG

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AI summary

Provided are a card payment method and system through application linkage. More particularly, provided are a card payment method and system through application linkage, wherein applications are installed on a payment terminal and a user terminal, a payment card is linked to the application on the user terminal, an application server manages the linkage, and in the case of a payment transaction, the application server performs a relay between the payment terminal and the user terminal so that transaction information input to the payment terminal is checked with the user terminal, and the payment terminal completes the transaction with a signature and tip setting input to the user terminal.