Email QR Code Token Transaction System
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Solution Overview
Problem
Current electronic commerce systems are cumbersome and complicated for performing financial transactions online, requiring usernames and passwords for each transaction, and lack a seamless integration of email attachments for transaction processing.
Innovation Solution
An e-commerce system that facilitates transactions by generating and transmitting QR codes and tokens, including an email field, to enable secure financial transactions within an email client, with validation and processing of transactions upon approval.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional username and password authentication is used for each online transaction, then security validation is achieved, but the transaction process becomes cumbersome and complicated
Solution Approach 1:
The system performs preliminary authentication by validating the customer's email address before the actual transaction occurs. The email validation is done in advance through a separate process, so that during the transaction itself, only a simple token needs to be provided rather than full username and password credentials. This preliminary action separates the complex authentication from the transaction flow.
Solution Approach 2:
The patent extracts the authentication credentials (username and password) from the transaction process itself. Instead of requiring these credentials during each transaction, the system separates authentication into a distinct email validation process that occurs beforehand. Only a simple token is retained for the actual transaction, removing the burden of handling complex credentials during payment.
2Reliability
If multiple authentication credentials are required for each transaction, then security is maintained, but the number of steps and complexity increases
Solution Approach 1:
The system performs preliminary authentication by validating the customer's email address before the actual transaction occurs. The email validation is done in advance through a separate process, so that during the transaction itself, only a simple token needs to be provided rather than full username and password credentials. This preliminary action separates the complex authentication from the transaction flow.
Solution Approach 2:
The authentication process is segmented into two distinct phases: (1) Email validation phase where the customer proves ownership of their email address, and (2) Transaction phase where only a token is required. This segmentation divides the complex multi-step authentication into manageable parts, with the heavy lifting done in the first phase.
3Adaptability or versatility
If email is used only for messaging and advertising, then its primary functions are served, but its potential for seamless financial transaction integration is underutilized
Solution Approach 1:
The patent transforms the email system into a multi-functional platform that serves not only messaging and advertising purposes but also authentication and transaction processing. The email address becomes a universal identifier that can be used for both communication and financial transactions, eliminating the need for separate authentication systems.
Solution Approach 2:
The system merges the authentication function with the existing email infrastructure. Instead of creating a separate authentication mechanism, the patent combines identity verification and transaction authorization into the email system itself, allowing a single email address to serve multiple purposes including authentication, communication, and payment verification.
Data Source
AI summary
A system and method implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating the requested at least one QR code and token, wherein the at least one QR code and token includes at least an email field, transmitting the at least one QR code and token, receiving a response email, wherein the response email includes the token, decoding, the token, performing a validation, and processing the transaction, on a condition that the validation(s) are approved.