Asynchronous Encrypted Resource Transfer System
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Solution Overview
Problem
Conventional resource transfer systems require synchronous execution, leading to inefficiencies as servers pause operations until authorization responses are received, and sensitive information is exposed during transactions between users and merchants.
Innovation Solution
A system for secure, asynchronous transfer of encrypted resources, where initial transaction data is encrypted and sent to the user's device, allowing the merchant system to continue operations without waiting for authorization, with the financial institution handling authorization and execution, keeping sensitive information secure.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If synchronous execution is used for resource transfer, then security of sensitive information is maintained through direct verification, but server processing efficiency deteriorates due to pausing operations until authorization responses are received
Solution Approach 1:
The patent applies preliminary action by pre-encrypting sensitive resource information before transmission to the merchant server. The encryption is performed in advance using the merchant's public key, so that when the resource transfer request is processed, the sensitive information is already secured and does not need to be handled in plaintext during the authorization process. This resolves the contradiction by maintaining security (reliability) while enabling asynchronous processing (productivity).
Solution Approach 2:
The patent introduces an intermediary element - the encrypted resource information acts as a mediator between the resource owner and the merchant server. Instead of directly transmitting sensitive information that requires immediate verification, the encrypted form serves as an intermediary that can be processed asynchronously. The merchant server can forward the authorization request with the encrypted information attached, and the actual decryption and verification occur later through a different mechanism, thus improving processing efficiency while maintaining security.
2Ease of operation
If sensitive resource information is transmitted to merchant server, then authorization can be processed, but security risk increases due to exposure of sensitive information during transfer
Solution Approach 1:
The patent applies local quality by differentiating the treatment of information at different locations in the system. Sensitive resource information is encrypted using the merchant server's public key specifically for transmission to that location, while other non-sensitive transaction information is transmitted in plaintext. This localized application of encryption resolves the contradiction by enabling straightforward authorization processing with non-sensitive data while protecting sensitive information through location-specific security measures.
Solution Approach 2:
The patent changes the parameter of information sensitivity through encryption. The sensitive resource information is transformed from a plaintext state (high security risk) to an encrypted state (low security risk) before transmission. This parameter change resolves the contradiction by allowing the merchant server to process authorization requests without being exposed to sensitive information, as the encrypted form cannot be interpreted without the corresponding private key.
3Manufacturing precision
If merchant server waits for authorization response, then transaction accuracy is ensured, but processing time increases causing server idle time
Solution Approach 1:
The patent applies preliminary action by preparing and encrypting the resource information before the authorization process begins. The merchant server attaches the encrypted resource information to the authorization request in advance, and can immediately forward the request to the authorization system without waiting for a response. The server continues processing other transactions while the authorization is being verified, thus eliminating idle time while maintaining transaction accuracy through the pre-prepared encrypted information.
Solution Approach 2:
The patent enables continuity of useful action by allowing the merchant server to process multiple authorization requests in sequence without pausing for responses. Instead of waiting idle for each authorization response, the server can continuously accept and forward new requests with their associated encrypted resource information. The authorization verification process continues in the background, ensuring transaction accuracy, while the server remains productive processing additional transactions.
Data Source
AI summary
Embodiments of the present invention provide a system for secure transfer of encrypted resources and asynchronous execution. In general, a user initiates an event with a merchant system and requests a secure resource transfer process associated with the event. Encrypted initial event details are transmitted through an asynchronous command form the merchant system to a computing device of the user, and resource information is identified at the computing device of the user. The computing device of the user then transmits the event details and the resource information to an event processing system for final execution.