Gateway-Server Payment Orders for Hardware-Free Secure Transactions
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Solution Overview
Problem
Existing payment systems, particularly card-present and card-not-present methods, require specialized hardware and infrastructure, limiting device compatibility and failing to provide a unified solution for both scenarios, and often rely on costly networks.
Innovation Solution
The Og Money Order system uses a cryptographic payment order system that allows secure transactions through a mobile application, enabling both card-present and card-not-present scenarios without requiring NFC-enabled devices or complex merchant setups, utilizing a gateway server for secure communication and processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If specialized hardware (NFC chips, card readers) is used for payments, then transaction security is improved, but device compatibility and ease of operation deteriorate
Solution Approach 1:
The patent replaces physical card-present payment mechanisms (NFC chips, magnetic stripe readers) with a digital cryptographic system. The Og Money Order uses cryptographic signatures and encrypted IP messages to authenticate transactions, eliminating the need for specialized hardware while maintaining security. This substitution allows any internet-connected device to perform both card-present and card-not-present transactions uniformly.
2Reliability
If specialized hardware infrastructure is deployed, then transaction reliability is improved, but system complexity and cost increase
Solution Approach 1:
The patent extracts the security functionality from specialized hardware infrastructure and relocates it to software-based cryptographic operations. The security model is decoupled from physical devices and implemented through cryptographic protocols (signatures, encryption, hashing) that run on general-purpose devices. This extraction eliminates the need for NFC readers, magnetic stripe readers, and other specialized hardware while maintaining transaction reliability.
Solution Approach 2:
The patent creates a universal payment system where a single software-based cryptographic protocol handles both card-present and card-not-present scenarios. The Og Money Order system can operate across multiple channels (in-store, online, mobile) without requiring different hardware infrastructures. This multi-functionality reduces system complexity by consolidating what would otherwise require separate hardware solutions for different transaction types.
3Reliability
If traditional payment networks are used, then transaction security is improved, but transaction costs increase
Solution Approach 1:
The patent introduces cryptographic protocols as intermediaries between trading parties, replacing costly traditional payment network infrastructure. The cryptographic signature verification and encrypted communication serve as mediators that ensure transaction security without requiring participation from expensive centralized payment networks. This intermediary layer provides security through mathematics rather than through costly network infrastructure.
Data Source
AI summary
Methods and systems for conducting a secure transaction over a network are described. The methods include receiving a request from a consumer, sending the request to a merchant, and receiving, from the merchant, a payment order associated with the request. The payment order is received via a merchant programmable user interface. The methods also include confirming the payment order to transform the payment order to a confirmed payment order, sending the confirmed payment order to a user, and receiving, from the user, a payment authorization associated with the confirmed payment order, and the payment authorization being received via a consumer programmable user interface. The payment authorization from the user includes a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management. The methods also include performing a transaction in accordance with the payment authorization.