Mobile Terminal Two-Dimensional Barcode Payment System
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Solution Overview
Problem
Existing systems for credit card and membership card management are cumbersome, prone to fraud, and require physical carrying of multiple cards, limiting convenience and security, especially in online transactions and event ticketing.
Innovation Solution
A processing system that uses a data management server to identify customers anonymously, generating a reply information for payment or ticket validation, which is then displayed as a two-dimensional barcode on a mobile terminal, allowing secure and convenient transactions without exposing credit card numbers to merchants or event gates.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If credit card numbers and personal information are transmitted through the Internet for online shopping payments, then online shopping convenience is improved, but security against theft and fraudulent use deteriorates
Solution Approach 1:
The patent extracts the credit card number and personal information from the transaction data transmitted over the Internet. Instead of transmitting sensitive card details, the system uses a unique identification code that does not contain personal or financial information. This extraction principle removes the harmful element (exposed credit card data) while preserving the useful function (online payment capability).
Solution Approach 2:
The patent introduces an intermediary identification code that mediates between the customer and the online shopping system. This identification code acts as a substitute that allows transaction processing without directly exposing sensitive credit card information. The identification code serves as a safe intermediary that enables convenient online payments while maintaining security by not containing personal or financial data.
2Adaptability or versatility
If multiple credit cards and membership cards are issued for various services, then service versatility is improved, but card management complexity and wallet bulkiness worsen
Solution Approach 1:
The patent creates a universal identification code system that can serve multiple functions: online shopping payments, membership card validation, event ticketing, and other services. Instead of requiring separate physical cards for each service, a single mobile terminal with the identification code system can handle all these functions, reducing the need to carry multiple cards while maintaining service versatility.
Solution Approach 2:
The patent merges multiple card functions (credit card, membership card, ticket) into a single integrated system based on the mobile terminal and identification code. The server consolidates management of all these services, and the customer only needs to carry the mobile terminal with the identification code application, combining what was previously separate physical cards into one unified solution.
3Ease of operation
If credit card information is stored in mobile phones or PDAs for contactless payment, then payment convenience is improved, but security risk in case of device loss worsens
Solution Approach 1:
The patent extracts the sensitive credit card information from the mobile terminal storage. Instead of storing credit card numbers and personal information on the customer's device, the system only stores and processes the identification code on the mobile terminal. The actual payment processing and sensitive data management occur on the server side, removing the security risk of storing sensitive information on portable devices.
Solution Approach 2:
The patent uses the identification code as an intermediary that replaces direct storage of sensitive credit card information on the mobile terminal. The identification code enables payment functionality without containing personal or financial data, acting as a safe mediator that provides payment convenience while eliminating the security vulnerability of storing sensitive information on portable devices.
Data Source
AI summary
A data transfer system using a mobile terminal and a two-dimensional barcode, and more particularly, a processing system, server, processing terminal, and communications terminal that can be used to pay for purchases and manage membership cards and admission tickets, and other services.