Encrypted Image Payment via Biometric Verification
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current online payment technologies lack sufficient security, as hackers can intercept and alter payment information during transmission between selling and paying terminals, compromising transaction integrity.
Innovation Solution
Implementing a method where the paying terminal acquires an encrypted image from the selling terminal, decrypts it to obtain payment information, and sends a payment request to a remote server via a messaging communication platform, incorporating biometric verification for large transactions to enhance security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If payment information is transmitted via network between selling terminal and paying terminal, then online payment convenience is improved, but security against hacking is worsened
Solution Approach 1:
The patent introduces a remote server as an intermediary that generates and manages encrypted images containing payment information. Instead of direct transmission between terminals, the remote server acts as a trusted mediator that creates the encrypted image, which is then displayed on the selling terminal and captured by the paying terminal. This intermediary approach maintains convenience while enhancing security through centralized encryption management.
Solution Approach 2:
The patent uses encrypted images as a copy mechanism where the payment information is encoded into a visual format (encrypted image) that can be displayed and captured. The paying terminal captures the encrypted image from the selling terminal's display, creating a secure copy of the payment information that cannot be easily intercepted or altered during transmission.
2Reliability
If encrypted images are used to transmit payment information, then security against information interception is improved, but device complexity is worsened
Solution Approach 1:
The system implements self-service encryption where the remote server automatically generates encrypted images with payment information without requiring manual intervention from users or complex local encryption implementations on terminals. The encryption process is handled centrally by the remote server, which manages the cryptographic operations and distributes the encrypted images to both terminals.
3Reliability
If biometric verification is required for large transactions, then transaction security is improved, but operation time is worsened
Solution Approach 1:
The patent applies different verification requirements to different transaction scenarios based on the payment amount. For small transactions below a threshold, only basic verification is needed. For large transactions above the threshold, biometric verification is required. This localized quality approach ensures high security for critical operations while maintaining speed for routine transactions.
Solution Approach 2:
The system performs preliminary verification by checking the payment amount against a threshold before determining the verification method. This preliminary action allows the system to quickly process small transactions without biometric verification while preparing for enhanced verification only when necessary for larger amounts.
Data Source
AI summary
Methods and devices for conducting a payment transaction between a paying terminal and a selling terminal via a remote server. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to the remote server for processing. Security verifications may be conducted by the paying terminal or the server, and the server may generate processing results approving or denying the payment request accordingly. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transaction.