Encrypted Payment Token Structure for Multi-Service Payment Flow

The patent implements a universal payment token format that can be used across different service units regardless of their specific payment methods or data transmission means. The payment token serves multiple functions: it represents payment value, enables transfer between different service units, and maintains security consistency. This universal format allows each service unit to operate autonomously with its preferred payment method while ensuring payment consistency across the entire service chain.

The payment token acts as an intermediary element that mediates transactions between different service units. Instead of requiring direct integration between service units with different payment systems, the payment token serves as a standardized intermediate representation that can be generated, transferred, and redeemed across various payment methods and transmission channels, thereby ensuring payment consistency while preserving service unit autonomy.

The payment token implementation employs a nested structure where cryptographic elements are embedded within the token format. The token contains nested layers of security including cryptographic signatures, verification codes, and encrypted payment information. This nested structure allows the payment token to be transmitted easily between service units while maintaining multiple layers of security protection, as each nested layer provides an additional barrier against security vulnerabilities.

The patent replaces traditional mechanical or procedural payment verification methods with cryptographic mechanisms. Instead of relying on complex verification procedures or physical security measures when transmitting payment information, the system uses cryptographic signatures and verification codes that can be automatically validated. This substitution reduces security vulnerabilities while maintaining ease of operation, as the cryptographic verification can be performed automatically during token transmission between service units.

The decryption key management is segmented into multiple components distributed across different service units. Instead of giving complete decryption keys to all service units, the system divides the key into segments or uses different types of keys for different operations. Each service unit receives only the specific key segment or key type needed for its payment processing function. This segmentation enables payment processing capability across multiple units while maintaining security control, as no single unit possesses the complete decryption capability.

Different service units are assigned different decryption keys or key segments according to their specific roles and requirements in the payment chain. Each service unit has local quality in terms of key access - receiving only the specific key material necessary for its function. This localized key distribution improves payment processing capability by enabling each unit to decrypt and process payments appropriately, while maintaining security control by ensuring that no unit has excessive key access beyond its operational needs.