Controlled Payment Number for Tokenized Wallet E-Commerce
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Solution Overview
Problem
Tokenized payment cards in digital wallets cannot be used in traditional e-commerce transactions due to the lack of card details like numbers or expiration dates, limiting their usability with online retailers and small businesses, while exposing card information to theft risks during transmission.
Innovation Solution
A system generates a controlled payment number mapped to the underlying transaction account, allowing tokenized payment cards to be used in e-commerce transactions without exposing the original account information, by a wallet server requesting a token identifier, processing server identifying the account number, and generating a controlled payment number for secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If card details are transmitted for e-commerce transactions, then transaction compatibility is improved, but security deteriorates due to theft risks during transmission
Solution Approach 1:
The patent introduces a controlled payment number as an intermediary that mediates between the tokenized payment account and traditional e-commerce systems. This controlled payment number allows transactions with merchants who do not support tokenization while preventing exposure of the underlying account information, thus resolving the contradiction between compatibility and security.
2Object-affected harmful factors
If tokenized payment cards are used, then security is improved, but ease of operation deteriorates due to lack of card details
Solution Approach 1:
The patent segments the payment information system into multiple layers: the tokenized payment account layer for security, and the controlled payment number layer for usability. This segmentation allows the system to maintain security through tokenization while providing traditional card-like details at the controlled payment number level for ease of operation.
3Ease of operation
If traditional payment card details are used, then ease of operation is improved, but reliability deteriorates due to fraud and theft
Solution Approach 1:
The patent creates a controlled payment number that copies the functional characteristics of traditional payment card details (allowing entry into e-commerce forms) while being fundamentally different in that it does not expose the real account information. This copying approach maintains convenience while eliminating fraud risks associated with real card details.
Data Source
AI summary
A method for supplying a controlled payment number for use on behalf of a tokenized payment account in a digital wallet for e-commerce includes: receiving, by a wallet server, at least a token identifier from an external computing device, the token identifier being associated with a tokenized payment account in the external computing device; transmitting, by the wallet server, at least the token identifier and a request flag to a processing server; identifying, by the processing server, a transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account; identifying, by the processing server, a controlled payment number corresponding to the payment account; receiving, by the wallet server, the identified controlled payment number from the processing server; and transmitting, by the wallet server, the identified controlled payment number to the external computing device.