Cross-Platform Payment Identity Verification via Trusted Intermediary

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Solution Overview

Problem

Interoperability issues between different payment platforms limit the ability of users to transfer value across platforms, due to concerns over sensitive data sharing and trustworthiness of other platforms.

Innovation Solution

A method for communicating a payment request between platforms involves translating the request into a protected format, using hashing or tokenization to ensure user identity and security, and utilizing trusted communication channels and machine learning for fraud detection, while maintaining user privacy and platform trustworthiness.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If platforms share user data to enable interoperability, then value transfer between platforms is enabled, but user privacy and platform trust are compromised

Engineering Contradiction:

Improveplatform interoperabilityVSAvoidplatform trust

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent introduces a trusted intermediary service that mediates between payment platforms. This intermediary verifies user identities and facilitates cross-platform transactions without requiring platforms to directly share sensitive user data. The intermediary acts as a neutral party that enables interoperability while preserving platform trust by keeping data sharing minimal and controlled.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent creates verified identity copies or representations that can be shared across platforms without exposing original sensitive user data. Instead of sharing actual user information, the system generates and verifies identity tokens or certificates that prove user identity authenticity, allowing interoperability while protecting user privacy and maintaining trust.

Inventive Principle:

Principle #26Copying

2Adaptability or versatility

If platforms share sensitive user data, then interoperability is achieved, but data security and user privacy are compromised

Engineering Contradiction:

Improvedata sharing capabilityVSAvoiddata security risk

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent extracts only the essential verification elements needed for interoperability from complete user data sets. Instead of sharing full user profiles or sensitive information, the system extracts and shares only the minimum necessary identity verification data, reducing data security risks while maintaining the capability for cross-platform transactions.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The patent applies different data sharing strategies to different types of information. Sensitive personal information is protected and not shared, while non-sensitive verification data is shared when needed. This selective approach allows data sharing capability for interoperability while minimizing security risks by protecting the most sensitive elements.

Inventive Principle:

Principle #3Local quality

Data Source

PatentUS20230289789A1Privacy protected consumers identity for centralized p2p network services

Publication Date: 2023.09.14 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

A method of communicating a payment request from a first payment platform to a second payment platform is disclosed. The method may receive a payment request from a sending user on the first payment platform to a receiving user on the second payment platform where the payment request from the sending user is translated into a protected payment request. In response to the sending user being known, the protected payment request may be communicated to the second payment platform. An acceptance of the protected payment request from the second payment platform may be received. A transaction settlement request may be communicated to the first payment platform and the second payment platform.