Browser Plugin for EMV Card Data Authentication
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Solution Overview
Problem
Consumers and online merchants are vulnerable to increased fraud risks during e-commerce transactions due to the manual input of credit/debit card information, which is not as secure as EMV card transactions typically handled at physical locations.
Innovation Solution
A web browser plugin is developed to communicate with an EMV card reader, prompting users to insert an EMV card, collecting and processing the card data for payment authorization, and displaying the transaction result, thereby enhancing security and reducing fraud in online purchases.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual card information input is used for online purchases, then ease of operation is improved, but security and fraud risk worsen
Solution Approach 1:
The patent introduces an intermediary system consisting of a browser plugin and EMV card reader that mediates between the consumer's manual card input and the online merchant's payment processing. The plugin acts as a secure bridge that captures card data through the EMV card reader's chip technology, providing both ease of use (automatic data capture) and security (encrypted transmission through the intermediary layer).
2Reliability
If EMV card reader integration is implemented, then security is improved, but device complexity worsens
Solution Approach 1:
The patent applies universality by designing the browser plugin to perform multiple functions: detecting EMV card reader availability, capturing card data through the EMV chip, encrypting the data, and initiating payment transactions. This multi-functional approach consolidates what would otherwise require separate security modules into a single integrated plugin, improving security without proportionally increasing complexity.
Solution Approach 2:
The system implements self-service by having the browser plugin automatically detect when an EMV card is inserted, automatically initiate the data capture process, and automatically transmit the encrypted data to the merchant's server. This eliminates the need for manual configuration or complex user interaction, reducing operational complexity while maintaining high security standards.
Data Source
AI summary
Systems and methods for facilitating e-commerce transactions between web-based merchants and consumers with EMV cards for payments processing. The systems and methods include a web browser installed in a computer associated with the consumer. The web browser includes a browser plugin for managing EMV card data. The computer is associated with an EMV card reader for collecting EMV card data. The browser plug-in is directed to sending EMV card data for remote processing and/or directed to processing the EMV card natively at the web browser.