Wireless Beacon Gesture Payment System Security
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Solution Overview
Problem
Current payment systems are vulnerable to data interception and security breaches due to the transfer of sensitive information between user devices and merchant systems, and they often require NFC capabilities, which may not be available on all devices, compromising security and usability.
Innovation Solution
A wireless broadcasting system using a beacon that transmits a transaction identifier without requiring user devices to share sensitive information with merchants, allowing secure transactions through a gesture-activated, NFC-independent method, utilizing Bluetooth Low Energy for secure and energy-efficient communication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If account information is transferred from user device to POS system for electronic payment, then the payment system can conduct transactions, but the system becomes vulnerable to data interception and security breaches
Solution Approach 1:
The patent extracts the account information transfer step from the payment process. Instead of transferring sensitive account information from user device to POS system, the system uses a token-based approach where only a transaction token is transmitted, while account information remains securely stored in the user device and payment gateway
Solution Approach 2:
The patent introduces a payment gateway as an intermediary component that mediates between the user device and POS system. The payment gateway receives account information directly from the user device, processes the payment, and communicates only transaction results to the POS system, eliminating direct account information exposure at the POS
2Reliability
If NFC capabilities are required for wireless payment transactions, then secure communication can be achieved, but devices without NFC capabilities cannot conduct payments
Solution Approach 1:
The patent creates a universal payment system that works across multiple communication protocols and device types. The system supports both NFC-enabled devices and non-NFC devices through a unified architecture using standard wireless communication protocols, making the payment system adaptable to diverse device capabilities
3Ease of operation
If account information is stored in POS system database for future transactions, then convenience is improved, but the database becomes a target for theft if not sufficiently secure
Solution Approach 1:
The patent extracts and removes sensitive account information from the POS system database. Instead of storing account information locally at the POS, the system stores only encrypted tokens and transaction metadata, while maintaining full account information security in the user device and payment gateway infrastructure
Solution Approach 2:
The patent implements local quality by storing different types of data at different locations with appropriate security measures. Account information is stored securely in user devices with biometric authentication, transaction tokens are stored in POS databases, and full payment processing occurs through the secure payment gateway, optimizing both convenience and security for each component
Data Source
AI summary
A secure payment system and method for enabling transactions with a merchant without communicating account or payment information to the merchant by using broadcasting beacon and a payment system which may create a user experience similar to NFC tap payment systems without using NFC communications.