Mobile Terminal Payment Confirmation System
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Solution Overview
Problem
Electronic commerce transactions face significant security risks due to the exposure of credit card information during online payments, with existing solutions often requiring complex user interactions and significant modifications to existing system architectures, deterring their implementation.
Innovation Solution
A method and system that utilize a mobile telephony terminal to request and confirm payment card transactions through SMS, WAP, or HTTPS protocols, ensuring that transactions are only processed after user confirmation, thereby reducing the need for sensitive card data exposure and minimizing system architecture changes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If credit card data is transmitted online during e-commerce transactions, then payment convenience is improved, but security against fraud deteriorates
Solution Approach 1:
The patent extracts the credit card data transmission step from the online transaction process. Instead of transmitting card data over the network, the system uses the mobile device's embedded payment card reader to read the card data locally, eliminating the need to send sensitive card information through potentially insecure communication channels while maintaining payment convenience
Solution Approach 2:
The patent introduces a mobile device as an intermediary between the consumer and the online seller. The mobile device acts as a secure mediator that reads the payment card data locally and transmits only a token or encrypted representation to the seller, rather than transmitting the actual card data, thus reducing fraud risk while preserving ease of payment
2Object-affected harmful factors
If mobile telephony terminal is used for transaction confirmation, then security against fraud is improved, but user operation complexity increases
Solution Approach 1:
The patent implements self-service by enabling the mobile device to automatically read the payment card data using its embedded reader and automatically transmit the necessary information to the seller. The user simply needs to present their card to the device, and the system handles the entire confirmation process without requiring the user to manually input data or navigate complex interfaces
Solution Approach 2:
The patent replaces manual data entry and verification processes with automated optical or magnetic reading technology. The mobile device's payment card reader automatically captures card data through optical or magnetic fields, substituting the mechanical action of manual typing and verification with automated sensing and processing, thereby reducing operational complexity
3Object-affected harmful factors
If existing system architecture is modified to implement security measures, then transaction security is improved, but implementation difficulty increases
Solution Approach 1:
The patent leverages the universal functionality of modern mobile devices, which already contain payment card readers, processors, and communication capabilities. By utilizing existing multi-functional components in smartphones and tablets, the system implements enhanced security without requiring separate dedicated hardware or complex system architecture modifications
Solution Approach 2:
The patent changes the parameter of data representation by using tokens or encrypted representations instead of actual card data for transmission. This parameter change allows the system to maintain existing communication protocols and infrastructure while dramatically improving security, as the transmitted data becomes useless to interceptors without the ability to decrypt or tokenize it
Data Source
AI summary
Method for managing on-line commercial transactions between a user and a seller of goods/services that interact through respective data processing systems communicating through a data network. The method includes: upon receipt, from a computer system of an institute issuing payment cards, of a request of transaction with debit on the payment card of the user coming from the seller of goods/services, having the computer system of the institute issuing the payment cards preliminarily requesting a confirmation of the transaction to the buyer through a mobile telephony terminal of the buyer, and, in case the confirmation of the transaction is received, having the computer system of the institute issuing the payment cards processing the transaction, whereas in case the confirmation of the transaction is denied, not processing the transaction and informing the seller. Both or one of the request of confirmation of the transaction or the confirmation of the transaction are sent through communication over a data channel with the mobile telephony terminal of the buyer.