One-Time Payment Number Generation for Secure Card Transactions

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Solution Overview

Problem

Existing payment methods using one-time card information are vulnerable to theft and fraud, as users are not notified of unauthorized transactions until after they occur, and the process can be inconvenient for both providers and users, especially when real cards are stolen or misused.

Innovation Solution

A payment method and system that generates a one-time payment-only number linked with an application on a user terminal, allowing users to confirm transaction information and approve payments personally, while maintaining the familiarity of using a real card, and preventing exposure of the real card number by using an exclusive application to manage transactions securely.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If a real card is used for payment at a payment terminal, then the payment process is simple and familiar to users, but the card information may be stolen or exposed leading to fraud

Engineering Contradiction:

Improvepayment process simplicityVSAvoidcard information theft

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent segments the card information into two parts: the real card number (stored securely in the application) and a dynamically generated one-time payment number (displayed on screen). This segmentation allows the real card to remain secure while enabling simple payment operations through the displayed number.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces an intermediary element - the one-time payment number generated by the card company server and displayed through the application. This intermediary protects the real card information from exposure at the payment terminal while still enabling the payment process.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Object-affected harmful factors

If one-time card information is used for payment, then card theft is prevented, but users are not notified of unauthorized transactions until after they occur

Engineering Contradiction:

Improvecard theft preventionVSAvoidtransaction notification timing

Core Design Contradiction:

Object-affected harmful factorsVSLoss of information

Solution Approach 1:

The patent implements feedback by notifying the user through the application both before payment (displaying the one-time number for confirmation) and after payment (showing transaction completion). This real-time feedback loop allows users to monitor and control their transactions, preventing unauthorized use while maintaining security.

Inventive Principle:

Principle #23Feedback

3Object-affected harmful factors

If one-time payment numbers are generated and displayed on user terminal, then real card information is protected, but the payment process becomes more complex

Engineering Contradiction:

Improvereal card number exposureVSAvoidpayment process complexity

Core Design Contradiction:

Object-affected harmful factorsVSDevice complexity

Solution Approach 1:

The patent implements self-service by having the application automatically generate the one-time payment number, display it on the user's screen, and handle the entire payment process. The user simply needs to show the displayed number at the terminal, eliminating the need for manual intervention and reducing perceived complexity despite the enhanced security measures.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS11620648B2Payment method and system through generation of one-time payment-only number of real card linked with application

Publication Date: 2023.04.04 PARK HEE YOUNG

AI summary

Provided are a payment method and system through generation of a one-time payment-only number of a real card linked with an application, wherein in order to make payment safely by generating a one-time payment-only number every payment without leaving card information of a user in a provider's payment terminal or by using the generated one-time payment-only number, when a real card is linked with an application installed on a user terminal and the payment terminal recognizes the real card, a user signature input window, and transaction information about payment performed with a one-time payment-only number generated by a card company server are displayed on a screen of the application of the user terminal, and payment is performed when a signature of the user is input to the signature input window.