Intermediate Server Transaction Delegation via Pseudo-Random Identifiers
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Solution Overview
Problem
Existing methods for intermediaries to perform financial transactions on behalf of users are vulnerable to data hacking and excessive privilege risks, and users face difficulties in managing multiple login credentials across different services.
Innovation Solution
An intermediate server is registered with payment servers and users, allowing the server to associate payment servers with types of transactions and user identifiers, enabling secure transaction delegation while maintaining user control and minimizing data exposure.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If an intermediate service pools login details from multiple third-party services, then user access convenience is improved, but data security risk increases
Solution Approach 1:
The patent extracts only the essential identification information (pseudo-random identifiers) from complete login details, storing minimal data in the intermediate service while maintaining access capability. This reduces the security risk exposure while preserving the convenience of centralized access.
Solution Approach 2:
The patent introduces a pseudo-random identifier as an intermediary element that mediates between the user's local storage and the third-party services. This intermediary allows the intermediate service to facilitate access without directly handling or exposing sensitive login credentials.
2Adaptability or versatility
If an intermediate service stores complete login details, then transaction implementation capability is improved, but vulnerability to hacking increases
Solution Approach 1:
The patent extracts only the necessary identification component (pseudo-random identifier generated from login details) rather than storing complete credentials. This enables the intermediate service to implement transactions while minimizing the security surface area.
Solution Approach 2:
The patent creates a functional copy or representation of login details in the form of pseudo-random identifiers that can be used for identification purposes without containing the actual sensitive information. This copy maintains utility while eliminating security risks.
3Adaptability or versatility
If users memorize multiple identifiers and passwords, then service customization flexibility is improved, but user burden increases
Solution Approach 1:
The patent creates a universal intermediate service that can handle multiple third-party services through a single interface. Users interact with one standardized system rather than managing multiple service-specific login mechanisms, reducing burden while maintaining flexibility.
Solution Approach 2:
The system enables users to register and manage their own service associations through the intermediate interface, automatically handling the complexity of multiple credentials without requiring users to manually memorize or manage each one.
Data Source
AI summary
A method and device are provided for delegating an implementation of transactions to an intermediate user. The method includes: at least one first phase of registering at least one payment server with the intermediate server, the first phase delivering, within the intermediate server, a delegating data structure including at least one association between the payment server and at least one list of types of transactions delegated by the payment server to the intermediate server; and at least one second phase of registering at least one user with the intermediate server, the second phase delivering, within the intermediate server, a provisioning data structure including at least one association between a user identifier, a payment server identifier and a user identifier with the payment server.