Unattended Mobile POS Using NFC and Matrix Barcodes
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Solution Overview
Problem
Current electronic payment systems face challenges in securely processing payments across various platforms, including physical stores and online transactions, due to the extensive sharing of payment card information, which makes personal data vulnerable to security breaches.
Innovation Solution
A method and system that utilize a widget program on a merchant website to generate a transaction identification number, convert it into a matrix barcode, and use a mobile computing device with NFC capabilities to process payments securely, encrypting data and maintaining transaction anonymity.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If payment card information is shared extensively with merchants and third parties for transactions, then payment processing capability is improved, but security vulnerability increases
Solution Approach 1:
The patent introduces an unattended mobile point of sale device as an intermediary between the payment card and the merchant system. This device generates unique transaction identifiers that replace actual card data during transmission, acting as a mediator that enables payment processing while preventing direct exposure of sensitive card information to merchants and third parties
Solution Approach 2:
The system creates a copy of the payment transaction data in the form of a transaction identifier that can be transmitted and processed without using the actual payment card information. This copy contains sufficient data to complete the transaction while being safe to share widely, thus decoupling the need for data sharing from the risk of exposing sensitive information
2Productivity
If unattended payment terminals are used to reduce human involvement, then operational efficiency is improved, but security control capability deteriorates
Solution Approach 1:
The unattended mobile point of sale device performs security-critical functions autonomously without human intervention. It automatically generates transaction identifiers, encrypts data, and manages the payment flow, making the system self-serve its own security needs while maintaining high operational efficiency
Solution Approach 2:
Security measures are built into the device beforehand, with transaction identifiers and encryption protocols pre-configured. This preliminary setup allows the device to operate autonomously with strong security controls already in place, eliminating the need for human security management during operation
3Object-affected harmful factors
If personal data is protected through encryption and anonymity, then security is improved, but data usability for merchants deteriorates
Solution Approach 1:
The transaction identifier contains locally relevant information needed for processing (transaction amount, merchant ID, timestamp) while excluding globally sensitive information (card number, personal details). This localized data structure provides merchants with sufficient operational data while maintaining strong privacy protection
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
The solution enhances payment security by encrypting sensitive data and maintaining transaction anonymity, reducing the risk of data breaches and improving the overall security of electronic payment transactions.
Implementation Method 1
placing said card microchip of said payment card in proximity to said near field communication (NFC) sensor, said card microchip communicates with said NFC sensor; receiving instructions from the EMV library, by said fourth processor, the NFC sensor receives payment data from said card microchip
Data Source
AI summary
A computer-implemented method including, submitting a payment transaction through a network to a merchant website; receiving the payment transaction by a widget program on the merchant website; submitting, a payment transaction request through the network to a backend application; receiving, the payment transaction request; issuing and submitting a transaction identification number through the network to the widget program; creating a matrix barcode from the transaction identification number; scanning the matrix barcode using a mobile computing device; activating a mobile application to receive payment and receiving payment data from a payment card having a card microchip communicating with an EMV library non-embedded in the mobile application; encrypting the payment data and sending the payment data to the backend application; the backend application submitting the payment data to a payment service provider; receiving the payment transaction results; and notifying the widget program and the mobile application of the payment transaction results.