Mobile Terminal Distance-Based Authorization for Secure E-Money Recharge
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Solution Overview
Problem
In electronic money payments, automatic recharging of mobile terminals often occurs without credit card authorization, leading to potential losses due to theft or loss of the device, and existing systems lack timely and efficient authorization processes.
Innovation Solution
A mobile terminal equipped with communication, reception, measurement, detection, and authorization requesting means to transmit authorization requests for credit card payments only when approaching a payment device, ensuring authorization is made before recharging, and canceling secured approvals if payments are not made within a predetermined time.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If automatic recharging is performed without authorization to ensure quick service, then productivity is improved, but reliability deteriorates due to potential unauthorized transactions
Solution Approach 1:
The system performs authorization checks in advance before executing the recharging operation. When the electronic value balance falls below the reference amount, the system proactively requests authorization from the authorization device before proceeding with the recharge, ensuring security is established beforehand rather than during the transaction.
2Reliability
If authorization is performed before recharging to prevent loss, then reliability is improved, but productivity deteriorates due to extended processing time
Solution Approach 1:
The system introduces an intermediary authorization device that mediates between the mobile terminal and the recharging process. The authorization device verifies credit card information and provides authorization results, enabling secure automated recharging without requiring user presence or manual intervention, thus maintaining both security and speed.
3Reliability
If periodic authorization checks are implemented to ensure security, then reliability is improved, but productivity deteriorates due to additional processing steps
Solution Approach 1:
The system implements periodic authorization checks based on balance thresholds rather than continuous verification. The mobile terminal periodically monitors its electronic value balance and only initiates authorization requests when the balance falls below the predetermined reference amount, reducing unnecessary processing while maintaining security.
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
Ensures that electronic value balances are recharged with a predetermined amount only after appropriate authorization, reducing the risk of unauthorized transactions and minimizing processing loads on the terminal and server.
Implementation Method 1
a measurement means that measures a distance between the mobile terminal and the wireless communication device on the basis of the radio signal received by the reception means
Data Source
AI summary
A mobile terminal 1 measures a distance between the mobile terminal 1 and a wireless communication device 2a on the basis of a radio signal transmitted from the wireless communication device 2a connected to an electronic money payment machine, and the mobile terminal 1 transmits an authorization request for a credit payment of a recharge amount for recharging an electronic value balance to a center server 4 when detecting, on the basis of the measured distance, that the mobile terminal 1 is approaching the wireless communication device 2a, and performs processing of permitting recharge of the electronic value balance with the recharge amount when a credit approval is granted for the authorization according to the authorization request.