Hosted Transaction Page for Secure Tokenized EBT Payments
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Solution Overview
Problem
Merchants face challenges in securely facilitating online electronic transactions, particularly with EBT payments, due to the need to comply with PCI-compliant encrypted PIN entry and the vulnerability of transmitting sensitive user data over the Internet, which can lead to data breaches.
Innovation Solution
A hosted transaction service that encrypts and tokenizes sensitive user data, such as PAN and PIN, into tokens, allowing secure data transmission and compliance with payment network requirements, while reducing the need for merchants to update their systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If merchants transmit sensitive user data (PAN, PIN) over the Internet to facilitate online EBT transactions, then transaction capability is improved, but data security and risk of data breaches worsen
Solution Approach 1:
The patent introduces a hosted transaction page as an intermediary component. Instead of merchants directly handling sensitive data, the hosted page acts as a mediator that collects authentication data and tokenizes it before transmission. This intermediary layer isolates merchants from direct exposure to sensitive data while enabling online transaction capability.
Solution Approach 2:
The patent creates a copy of the transaction interface through the hosted transaction page. The hosted page provides the same user interface and authentication functionality as a traditional POS system, but instead of transmitting raw sensitive data, it transmits tokenized copies that preserve transaction capability while reducing data exposure risk.
2Object-affected harmful factors
If merchants implement PCI-compliant encrypted PIN entry to ensure data security, then data security is improved, but system complexity and update requirements worsen
Solution Approach 1:
The patent extracts the complex data security functionality from the merchant's system. The hosted transaction page handles PCI-compliant encryption and tokenization centrally, removing the burden of maintaining complex security systems from individual merchants while ensuring data security standards are met.
Solution Approach 2:
The hosted transaction page provides a universal solution that handles multiple security requirements (PCI compliance, encryption, tokenization) through a single integrated platform. This multi-functional approach eliminates the need for merchants to separately implement and update multiple security systems.
3Ease of operation
If merchants directly handle and transmit sensitive authentication data, then transaction processing is simplified, but vulnerability to data breaches increases
Solution Approach 1:
The hosted transaction page serves as an intermediary that simplifies the merchant's operation by providing a ready-to-use authentication interface. Merchants simply need to integrate the hosted page into their website, and it automatically handles the complex tokenization and secure transmission processes, reducing both operational complexity and data exposure risk.
Data Source
AI summary
Systems and methods are disclosed for performing an electronic transaction using a hosted transaction page. One method comprises providing a hosted transaction page to a first data system, the hosted transaction page enabling the first data system to request an electronic transaction. Via the hosted transaction page, authentication data may be received from a user. The received authentication data may be encoded into a first format and tokenized into tokenized authentication data. The tokenized authentication data may then be transmitted to the first data system. An authorization request for performing the electronic transaction based on the tokenized authentication data may be received from the first data system, then transmitted to a second data system.