Offline Transaction Processing via Magnetic Card Authentication
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Solution Overview
Problem
Existing transaction processing systems face difficulties in ensuring information security and preventing unauthorized transactions during offline settlements, particularly with IC credit cards, leading to potential losses and complications in processing and collecting accounts receivable.
Innovation Solution
A transaction processing apparatus equipped with a magnetic card reader, input unit, and printing unit that generates and prints offline settlement slips when communication with the settlement destination is unavailable, ensuring secure storage of transaction information on paper and reducing the risk of data loss or unauthorized transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If offline settlement is performed using IC credit card with authentication at settlement destination apparatus, then settlement can be performed, but information security cannot be ensured and unauthorized transactions may occur
Solution Approach 1:
The transaction processing apparatus performs preliminary authentication of the IC credit card locally before the settlement process. The authentication result is stored in non-volatile memory, enabling offline settlement while maintaining security. This preliminary action ensures that even without real-time communication with the settlement destination apparatus, the system can verify card authenticity and prevent unauthorized transactions.
2Productivity
If transaction information is stored in RAM for offline settlement, then settlement can continue during disconnection, but information security is compromised and data may be lost
Solution Approach 1:
The system creates a copy of the authentication result and stores it in non-volatile memory (flash memory or hard drive) rather than relying solely on volatile RAM. This copy ensures that transaction information persists even when power is lost or the device is compromised, preventing information loss while maintaining the ability to process settlements offline.
Solution Approach 2:
The system periodically discards temporary transaction information from RAM and recovers it from non-volatile memory storage. This ensures that only authenticated and verified information is retained, preventing security breaches while maintaining processing continuity during disconnection periods.
3Reliability
If authentication is performed at settlement destination apparatus remotely, then centralized control is maintained, but offline settlement becomes impossible and processing time increases
Solution Approach 1:
The transaction processing apparatus performs authentication locally in advance and stores the result in non-volatile memory. This preliminary authentication action enables offline settlement without requiring real-time communication with the settlement destination apparatus, significantly reducing processing time while maintaining authentication reliability through local verification.
4Ease of operation
If magnetic stripe card function is used for offline settlement, then settlement can be performed without IC card authentication, but security is reduced and unauthorized transactions may occur
Solution Approach 1:
The system performs preliminary authentication of the IC credit card using the chip technology before enabling offline settlement. The authentication result is stored in non-volatile memory, ensuring that even when using magnetic stripe reading for offline transactions, the security of IC card authentication is maintained. This prevents unauthorized transactions while enabling convenient offline settlement operation.
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 effectively secures transaction information by printing and managing offline settlement slips, reducing the risk of data theft and unauthorized transactions, while simplifying the settlement process and minimizing losses due to broken or compromised devices.
Implementation Method 1
a magnetic card reader unit which reads card information, which is used in the settlement of the transaction using the card, from the card
Data Source
AI summary
A transaction processing apparatus includes: a communication unit which performs communication relating to a settlement process of transaction content using a card, with a predetermined settlement destination apparatus; a magnetic card reader unit which reads card information, which is used in the settlement of the transaction using the card, from the card; an input unit to which information regarding various matters relating to the settlement process of the transaction content using the card is input; and a printing unit which prints the card information and various matters of the transaction content as an offline settlement slip, according to the settlement process of the transaction content using the card, when the communication relating to the settlement process in the communication unit is not available. The risk of the transaction information regarding a settlement process performed in an offline state being taken is reduced. The possibility of losing the transaction information tanked in a broken transaction processing apparatus is reduced, while also reducing the complicatedness of a settlement procedure.