One-Time Payment Security Code via Color Pixel Grid
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Solution Overview
Problem
Existing payment methods using credit cards and QR codes are vulnerable to illegal use and hacking, leading to security breaches and unauthorized transactions.
Innovation Solution
A payment method utilizing a one-time payment security code generated from color pixel codes, which is displayed on a color grid image, allowing users to input a user pattern to select pixels and generate a unique security code for each transaction, preventing unauthorized use and enhancing security through dynamic display and key chain card association.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If credit card information is used for payment, then payment can be made, but the credit card information can be illegally gathered and used for unauthorized transactions
Solution Approach 1:
The payment security code is divided into multiple color pixels arranged in a grid pattern. Each pixel represents a portion of the security code, and the entire grid must be captured and processed together to generate the complete payment code. This segmentation prevents unauthorized parties from obtaining the full security code by capturing only individual pixels or portions of the image.
Solution Approach 2:
The payment security code changes dynamically based on the user's fingerprint characteristics. The system extracts feature parameters from the fingerprint (such as ridge patterns, minutiae points, and geometric features) and uses these parameters to generate a unique payment code. This parameter transformation ensures that even if the same fingerprint is used, the payment code varies with each transaction, preventing replay attacks.
2Ease of operation
If QR code or bar code is used as payment information, then payment can be processed, but the payment information can be photographed or image-captured and restored using hacking programs
Solution Approach 1:
The payment security code is displayed as a color grid image where each pixel has specific color properties. The color information is encoded into the payment code generation process, creating a security mechanism that is difficult to replicate. The color grid pattern, combined with fingerprint authentication, creates a multi-factor verification system that prevents simple copying or photographing of the payment information.
Solution Approach 2:
The system introduces a color grid image as an intermediary between the payment information and the final payment code. Instead of directly displaying the payment code or QR code, the system first presents the color grid image that requires fingerprint authentication to activate. This intermediary layer prevents direct exposure of payment information to unauthorized parties.
3Reliability
If a dedicated application is required to read changed QR code blocks, then security is improved, but user convenience is reduced due to the need for additional applications
Solution Approach 1:
The color grid image payment system is integrated into the existing smartphone camera and image processing capabilities. The system uses the universal camera function to capture the color grid, processes the image through the fingerprint authentication mechanism, and generates the payment code automatically. This eliminates the need for separate dedicated applications while maintaining high security through the multi-factor verification process.
Data Source
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AI summary
Provided is a payment method using a one-time payment security code based on a color pixel code. In the payment method, arbitrary color pixel codes are first disposed on a color grid image screen that is formed with color pixels of various colors in a smartphone-dedicated application, a user inputs a user pattern to select color pixels, a one-time payment security code is generated by combining the color pixel codes and the user pattern, and the one-time payment security code is utilized as information for paying for the user's purchase of a product or a service.