Authenticated QR Codes for Secure Financial Transactions

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Solution Overview

Problem

QR codes lack security or authentication procedures, posing a significant risk in sensitive use cases such as financial transactions.

Innovation Solution

Implementing QR code authentication using truly random numbers known only to the initiating and participating devices, facilitated by quantum key distribution (QKD) to verify the authenticity of QR codes.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If QR codes are used for sensitive transactions without authentication, then ease of operation is improved, but security and reliability deteriorate

Engineering Contradiction:
Improveease of operationVSAvoidsecurity
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The system performs preliminary authentication by embedding a digital signature in the QR code before the transaction occurs. The receiving device verifies this signature in advance before processing the transaction, preventing unauthorized manipulation while maintaining smooth operation flow

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

A digital signature acts as an intermediary authentication mechanism between the QR code generator and the receiving device. This intermediary layer verifies the authenticity of the QR code without requiring direct complex authentication protocols, thus maintaining ease of operation while enhancing security

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If QR code authentication using quantum key distribution is implemented, then security and reliability are improved, but device complexity increases

Engineering Contradiction:
ImprovesecurityVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the complex quantum key distribution and digital signature generation processes into separate dedicated modules within the device architecture. This allows the core QR code generation function to remain simple while isolating the complex authentication mechanisms into specialized components that can be managed independently

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The system changes the parameter of authentication from simple visual verification to cryptographic verification using digital signatures. This parameter change enables high security through mathematical guarantees while the implementation is simplified by using standardized cryptographic libraries and protocols

Inventive Principle:
Principle #35Parameter changes

Data Source

PatentUS12481854B1Systems and methods for secure utilization of quick response codes
Publication Date: 2025.11.25 WELLS FARGO BANK NA
  • US12481854B1 patent drawing
  • US12481854B1 patent drawing
  • US12481854B1 patent drawing

AI summary

Systems, apparatuses, methods, and computer program products are disclosed for secure utilization of quick response (QR) codes. An example method includes obtaining a key known to the initiating device and a participating device, and identifying, by QR code processing circuitry of the initiating device, a payload to be encoded in a QR code. The example method further includes generating, by security circuitry of the initiating device and based on the payload and the key, a secure character string, creating, by the QR code processing circuitry of the initiating device, the QR code using the secure character string, and outputting the QR code by the communications hardware of the initiating device.