Encrypted Payment Image for Secure Offline Transactions
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Solution Overview
Problem
Current payment authorization and authentication methods lack security and efficiency, particularly in scenarios where paper receipts are used, and there is a need for secure transaction verification without internet access.
Innovation Solution
A mobile device captures an image of an invoice, encrypts it using a secret key associated with the payment account, and displays it as a barcode for scanning by a retail device, which then transmits the encrypted image to a payment entity for decryption and payment processing, ensuring secure authentication and authorization without revealing account information to the retailer.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If paper receipts are used for payment authorization, then ease of operation is improved, but security and loss of information worsen
Solution Approach 1:
The patent replaces physical paper receipts with digital image copies of receipts that are captured by a mobile device camera. The system creates a digital representation (image) of the paper receipt, processes it through OCR to extract transaction details, and uses this digital copy for payment authorization. This eliminates the need to handle physical paper while maintaining ease of operation, and simultaneously improves security through cryptographic authentication of the digital receipt image.
2Ease of operation
If account information is shared with retailer for payment processing, then ease of operation is improved, but loss of information worsens
Solution Approach 1:
The patent introduces a payment entity as an intermediary between the user and the retailer. Instead of the retailer directly accessing or storing the user's account information, the system uses cryptographic authentication where the mobile device proves payment capability through digital signatures and authentication tokens. The retailer receives only the authentication result, not the actual account details, thus maintaining ease of payment processing while preventing information exposure.
3Reliability
If internet access is required for payment authentication, then reliability is improved, but adaptability worsens
Solution Approach 1:
The patent implements offline payment capability by performing preliminary authentication and authorization actions before internet connectivity is needed. The mobile device captures the receipt image, extracts transaction details via OCR, and prepares the authentication data locally. The cryptographic signatures and authentication tokens are generated in advance, allowing the system to maintain high reliability for authentication while adapting to environments without internet access. The digital receipt image and extracted data are stored locally for offline processing.
Data Source
AI summary
Embodiments disclosed herein relate to an encrypted payment image. In one embodiment, a processor of a mobile computing device encrypts a binary version of an invoice image with a payment information encryption key. The processor may generate a payment image of the encrypted binary of the invoice image and display the payment image.