Merchant Device Payment Authentication via Server Credential Validation

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Solution Overview

Problem

Current electronic payment systems, such as those using Unified Payments Interface (UPI), require a customer's mobile device and SIM details for transactions, making it difficult to conduct payments without the device or card.

Innovation Solution

A server system facilitates electronic payments by receiving customer credentials from a merchant device, validating them, and generating a payment request signal to a customer wallet server, allowing transactions between customer and merchant wallets without the need for the customer's mobile device or card, using virtual payment addresses and biometric data.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If UPI payment system is used requiring mobile device and SIM details, then payment security is improved, but payment accessibility deteriorates when customer loses mobile device

Engineering Contradiction:

Improvepayment securityVSAvoidpayment accessibility

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent creates a copy of the customer's payment credential (virtual payment address and biometric data) that can be accessed through the merchant device instead of requiring the original mobile device. The customer credential is copied and stored in the payment network server system, allowing authentication to occur through the merchant's device interface.

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent introduces a payment network server system as an intermediary between the customer and merchant. This intermediary holds and validates customer credentials, enabling payment authentication without requiring direct access to the customer's mobile device. The server system mediates the credential verification process through the merchant device interface.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If customer must use own mobile device for payment, then authentication reliability is improved, but device dependency increases

Engineering Contradiction:

Improveauthentication reliabilityVSAvoiddevice dependency

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the authentication functionality from the customer's mobile device and relocates it to the payment network server system. The critical authentication components (credential validation and biometric verification) are taken out of the customer device and performed remotely through the merchant device interface.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent makes the merchant device multi-functional by enabling it to serve as both a sales terminal and an authentication device. The merchant device gains the additional function of hosting customer credential input and biometric scanning capabilities, eliminating the need for separate customer mobile device.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Ease of operation

If virtual payment address system is used, then payment convenience is improved, but security risk increases without device verification

Engineering Contradiction:

Improvepayment convenienceVSAvoidfraud risk

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent performs preliminary biometric verification and credential validation through the merchant device interface before completing the payment transaction. The customer's biometric data is scanned and verified in advance during the checkout process, ensuring authentication occurs before funds are transferred.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent replaces traditional mechanical device-based authentication (requiring physical possession of mobile device) with biometric authentication. The mechanical requirement of holding and operating a specific device is substituted with biological characteristic verification that can occur through the merchant device's sensors.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS20210264409A1Methods and systems for payment transaction at merchant device from customer wallet

Publication Date: 2021.08.26 MASTERCARD INT INC

AI summary

Embodiments provide methods and systems of enabling an electronic payment from a merchant device using customer credential when a customer does not have mobile device or card with him. The customer enters customer credential, associated with a customer wallet, on a merchant wallet application accessible in the merchant device. The customer credential and merchant credential are transmitted to a server system associated with a payment network. The server system validates the customer credential, generates and transmits a pull payment request to a customer wallet server for approval of the payment request for transferring funds from customer wallet to the merchant wallet. After the approval, the server system transmits the successful payment response to the merchant device.