Dynamic QR Code Payment Security Against Replay Attacks
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Solution Overview
Problem
Current QR code payment solutions lack sufficient security measures, as they can be copied and replayed at other POS terminals, posing security risks.
Innovation Solution
A system and method that generates QR codes encoding transaction data, including a random number and cryptogram, which are scanned by a communication device to create a second QR code for verification, enhancing transaction security through two-way communication and secure data encoding.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If QR codes encode customer financial data for payment transactions, then payment convenience is improved, but security is worsened because the codes can be copied and replayed at other POS terminals
Solution Approach 1:
The patent implements dynamic QR codes that are generated anew for each transaction using random numbers and transaction-specific data. The communication device generates a unique QR code containing a cryptogram that changes with each transaction, preventing static code copying and replay attacks while maintaining ease of use through automated generation.
Solution Approach 2:
The patent changes the parameters encoded in the QR code from static financial data to dynamic transaction-specific data including random numbers, transaction amounts, and cryptograms. This parameter transformation ensures that each QR code is unique to its transaction context, preventing unauthorized reuse while preserving payment convenience.
2Speed
If QR codes contain static financial data for easy scanning, then scanning speed is improved, but security is worsened due to vulnerability to copying and replay attacks
Solution Approach 1:
The system generates dynamic QR codes at the moment of transaction with unique cryptograms and random numbers, ensuring fast scanning while preventing replay attacks. The communication device automatically generates and displays the unique code, maintaining speed without requiring static pre-printed codes.
Solution Approach 2:
The system performs preliminary generation of unique transaction codes with embedded cryptograms before the actual payment processing. The communication device prepares the secure QR code in advance with all necessary transaction parameters, enabling rapid scanning while ensuring security through pre-computed unique identifiers.
Data Source
AI summary
Systems and methods for facilitating payment transactions using quick-response (QR) codes are provided. A first machine readable code encoding first data generated by an access device is scanned by a communication device. The communication device generates a cryptogram based on the first data encoded within the first machine readable code. The communication device then obtains financial credentials data from a payment application being executed on the communication device. A second machine readable code encoding second data comprising the financial credentials data and the cryptogram is then generated. The second machine readable code is displayed on a display of the communication device, wherein the second machine readable code is scanned by the access device.