Asymmetric Cryptography for Tamper-Resistant Payment Management

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Solution Overview

Problem

E-commerce platforms face challenges in maintaining information accuracy and security during order processing, especially with complex financial transactions and the risk of Man-in-the-middle attacks, leading to potential data breaches and public relations crises.

Innovation Solution

A payment management system utilizing asymmetric cryptography with a hardware security module (HSM) and clients with public-private key pairs to ensure secure and tamper-proof transactions, including a first client to generate signatures, a second client to create order packages, a third client for verification, and an approval client for final authorization, ensuring compliance with trade policies.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional centralized server management is used, then system operation is simple, but security against Man-in-the-middle attacks is insufficient

Engineering Contradiction:
Improvetransaction securityVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent segments the centralized server system into multiple distributed nodes (first server, second server, third server, fourth server) that operate independently but cooperatively. Each node has specific responsibilities: the first server generates order packages with digital signatures, the second server verifies signatures, the third server manages trade policies, and the fourth server handles approvals. This segmentation distributes security responsibilities and prevents single-point failures or attacks.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent implements asymmetric cryptography using public-private key pairs for each server. Each server generates cryptographic key pairs where the private key remains secret while the public key is shared. This asymmetry enables secure authentication and data integrity verification without requiring secure key exchange mechanisms, effectively preventing Man-in-the-middle attacks while maintaining operational simplicity.

Inventive Principle:
Principle #4Asymmetry

2Measurement precision

If digital signatures and cryptographic verification are implemented, then information accuracy is improved, but processing time increases

Engineering Contradiction:
Improveinformation accuracyVSAvoidprocessing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent performs preliminary cryptographic actions by pre-generating digital signatures when creating order packages. The first server signs the order package content with its private key before transmission, so that verification can be performed quickly without complex real-time computations. Trade policies are also pre-established and stored, allowing for rapid verification against predefined criteria rather than creating policies during transaction processing.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent replaces manual or mechanical verification processes with automated cryptographic verification. The second server automatically verifies digital signatures using public keys and compares trade policy compliance using algorithmic logic, eliminating the need for manual document checking and reducing processing time while maintaining high accuracy.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Reliability

If multiple servers with different functions are used, then transaction security is enhanced, but system coordination becomes complex

Engineering Contradiction:
Improvetransaction securityVSAvoidsystem coordination
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent designs each server with multiple functions to reduce overall system coordination complexity. For example, the first server not only generates order packages but also creates digital signatures and encrypts sensitive information. The second server both verifies signatures and validates trade policy compliance. This multi-functionality reduces the number of separate components needed and simplifies inter-server communication protocols.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent introduces standardized communication protocols and data formats as intermediaries between servers. Order packages follow a defined structure with specific fields for order information, digital signatures, and trade policy references. This standardization acts as an intermediary layer that simplifies coordination between heterogeneous servers, making the system easier to operate and maintain.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS12450599B1Payment management system using asymmetric cryptography to ensure information accuracy
Publication Date: 2025.10.21 OWLTING USA INC
  • US12450599B1 patent drawing
  • US12450599B1 patent drawing
  • US12450599B1 patent drawing

AI summary

A payment management system includes a first client and an approval client. The first client provides a trade policy, generates a first hash by applying a first hash function to the trade policy, creates a first signature by asymmetrically encrypting the first hash with a first private key of a first public-private key pair, and broadcasts a first public key of the first public-private key pair. The approval client determines whether the trade policy has not been tampered with by verifying the first signature using the first public key, and determines whether at least one order comply with the trade policy after confirming that the trade policy has not been tampered with.