Barcode Payment Token Generation for Offline Transactions
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing methods for securely exchanging sensitive data, such as credit card information, face challenges in compliance with PCI-DSS standards, especially in scenarios like foreign travel where network connectivity is limited or expensive, and are inconvenient for users who need to make payments without physical access to their cards.
Innovation Solution
A system and method using a client device with a camera to scan and generate barcodes containing encrypted credit card tokens, allowing secure payment transactions even without network connectivity, by decoding barcodes to extract payment parameters and validating credit card tokens through a token vault and payment network.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If tokenization is used to protect credit card data, then security is improved, but device complexity increases
Solution Approach 1:
The patent creates a simplified copy of the credit card payment process by generating a barcode representation of the credit card token. Instead of requiring complex token validation systems, the solution uses a visual barcode copy that can be scanned and processed简单地, maintaining security while reducing system complexity at the point of sale.
Solution Approach 2:
The patent extracts the sensitive credit card data protection function into a separate tokenization layer. The credit card number is replaced with a token, and only the necessary payment information is embedded in the barcode, separating security concerns from the payment interface and reducing overall system complexity.
2Ease of operation
If smartphone payment is used during international travel, then convenience is improved, but network connectivity requirements increase costs
Solution Approach 1:
The patent performs preliminary actions by pre-generating the payment barcode with embedded token information before the traveler needs to make a purchase. The barcode is created offline using stored credit card tokens, eliminating the need for network connectivity during the actual payment transaction at foreign locations.
Solution Approach 2:
The mobile device serves itself by storing credit card tokens locally and generating barcodes independently without requiring external network services. The device uses its own stored credentials to create payment-ready barcodes, making the system self-sufficient and independent of expensive international data services.
3Device complexity
If physical credit card is used for payment, then simplicity is improved, but loss of time occurs due to retrieving card from wallet
Solution Approach 1:
The patent replaces the mechanical action of physically retrieving a credit card from a wallet with a digital barcode generation process. The mobile device uses its camera and display to present payment information electronically, substituting the physical card retrieval mechanism with an automated digital display system that eliminates the time-consuming manual search and retrieval process.
Data Source
Figure 1
Figure 2~3
Figure 4
AI summary
Methods, systems, and computer program products for securely exchanging a credit card token with an external computer for purchasing a product. The system includes one or more processors, a memory, and a camera coupled to at least one processor. The system scans a first barcode by the camera. The first barcode is published upon a display of the external computer and indicates a plurality of payment parameters of the product. The system decodes the first barcode to extract the payment parameters. The system publishes the payment parameters for display to a user. The system receives a first input, where the first input indicates a credit card number for purchasing the product, and a credit card token that corresponds to the credit card number is saved in the memory.