Bankcard-Device Association via Correspondence Scoring
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Solution Overview
Problem
The growth of payments by communications terminals in physical retail spaces is limited due to technical prerequisites such as the need for NFC modules, secure data storage, and active data connections, which are not universally available, leading to issues with payment speed and security.
Innovation Solution
A method that determines an association between a bankcard identifier and a mobile communications terminal identifier by computing a score of correspondence, allowing for secure and efficient payments without the need for specific communications interfaces or secure elements, using existing devices and infrastructure.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If contactless payment using NFC interface is implemented, then payment security is improved, but device complexity increases due to requirement of NFC modules and secure elements
Solution Approach 1:
The patent uses the communications terminal to copy or simulate bankcard data transmission functionality. Instead of requiring the terminal to physically contain secure elements and NFC modules, the system allows the terminal to transmit bankcard information (PAN, expiry date, CVV) over existing communication channels, effectively copying the bankcard's payment function without replicating its security hardware.
Solution Approach 2:
The patent introduces an intermediary system comprising the payment terminal and backend processing systems that verify and validate the transmitted bankcard data. This intermediary layer provides the security function that would otherwise require expensive secure elements in the communications terminal, allowing standard terminals to participate in secure payments.
2Reliability
If NFC modules and secure elements are required for contactless payment, then payment security is improved, but ease of operation deteriorates due to limited terminal availability
Solution Approach 1:
The patent makes the payment system universal by allowing any communications terminal with basic data transmission capabilities to perform bankcard payments. Instead of requiring specialized NFC terminals, the system works with standard smartphones and communication devices that can transmit structured data, greatly expanding the user base and terminal compatibility.
Solution Approach 2:
By copying the bankcard data transmission function to standard communications terminals rather than requiring specialized hardware, the patent enables widespread adoption across devices that users already possess, eliminating the need for them to purchase or access specific terminal types.
3Productivity
If bankcard data are transmitted through communications terminal, then payment speed is improved, but security risk increases due to potential data theft
Solution Approach 1:
The patent implements feedback mechanisms where the payment terminal and backend systems validate transmitted bankcard data in real-time. The system verifies the PAN format, expiry date validity, and CVV correctness, providing immediate feedback on data authenticity. This validation feedback loop detects and rejects potentially stolen or malformed data, maintaining security while enabling fast transmission.
Solution Approach 2:
The patent replaces the physical security mechanisms of secure elements and NFC hardware with data validation and verification processes. Instead of relying on hardware-based security, the system uses algorithmic validation, format checking, and backend verification to detect and prevent data theft, substituting mechanical security with information-processing security.
Data Source
AI summary
A method for determining an association between a bankcard identifier and at least one mobile communications terminal identifier. The method is implemented by an electronic device and includes: obtaining an identifier of a current bankcard, a bankcard used to make a purchase of an article or a service by using a payment terminal, the obtaining being implemented at the time of the execution of a payment transaction made by using the bankcard; at least one step of obtaining a piece of data representative of at least one communications terminal identifier; and computing a score of correspondence between bankcard identifier and the at least one piece of data representative of a communications terminal identifier.