Dynamic QR Payment Codes for Anonymous Merchant Transactions

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Solution Overview

Problem

Consumers are hesitant to store personal information on payment platforms due to security concerns, and existing payment methods using QR codes are not sufficiently secure or anonymous.

Innovation Solution

A method utilizing a transaction code computer that generates and transmits dynamic QR codes, validated through an alias directory, enabling secure and anonymous payment transactions between consumers and merchants without storing personal information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If personal information is stored on payment platforms, then payment convenience is improved, but security and anonymity deteriorate

Engineering Contradiction:

Improvepayment convenienceVSAvoidsecurity and anonymity

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent introduces an intermediary system that generates dynamic QR codes as a mediator between the consumer and merchant. The QR code contains encoded payment information that allows transaction processing without directly exposing or storing sensitive personal information on either party's system, thus maintaining security while enabling convenient payment

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

Instead of storing original sensitive payment information, the system creates a copy in the form of a QR code that contains the necessary transaction data. This copy can be generated, transmitted, and validated without the need to store the actual personal information, preserving both convenience and security

Inventive Principle:

Principle #26Copying

2Loss of time

If static QR codes are used for payment, then transaction speed is improved, but security deteriorates due to information exposure

Engineering Contradiction:

Improvetransaction speedVSAvoidsecurity

Core Design Contradiction:

Loss of timeVSReliability

Solution Approach 1:

The patent transitions from static QR codes to dynamic QR codes that are generated in real-time for each transaction. The dynamic nature ensures that each code is unique and time-sensitive, preventing reuse or theft, while still maintaining fast transaction processing through immediate generation and validation

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

The system changes the parameters of the QR code from static to dynamic by incorporating time-sensitive and transaction-specific data elements. This allows the QR code to be rapidly generated and validated with updated parameters for each transaction, maintaining speed while enhancing security through parameter variability

Inventive Principle:

Principle #35Parameter changes

Data Source

PatentUS20260050907A1Transaction code account based payment system

Publication Date: 2026.02.19 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Various systems and methods of anonymously conducting a secured payment transaction between a consumer and a merchant are disclosed. The methods can be carried out at a transaction code computer in communication with an alias directory. According to the method a transaction code computer receives a request for a dynamic transaction code from a merchant computer. The request includes a merchant alias identifier. The transaction code computer queries an alias directory storing merchant information details. The transaction code computer validates the merchant with the alias directory based on the merchant alias identifier. The transaction code computer generates the dynamic transaction code and transmits a response to the request for the dynamic transaction code to the merchant computer.