Secure Payment Module Hardware Interface Sharing

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Solution Overview

Problem

Existing payment devices have overlapping hardware interfaces, leading to poor assembly flexibility and high manufacturing costs, as well as security risks due to the exposure of transaction information in clear text.

Innovation Solution

A method and apparatus for secure payment that detects a connected mobile terminal, encrypts user transaction information, and shares hardware interfaces to send encrypted data to a transaction verification server, ensuring secure payment operations without exposing sensitive information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of manufacture

If the POS machine and mobile terminal have completely independent hardware interfaces, then the payment functions are complete, but the assembly flexibility is poor and manufacturing cost is high

Engineering Contradiction:

Improvemanufacturing costVSAvoidassembly flexibility

Core Design Contradiction:

Ease of manufactureVSAdaptability or versatility

Solution Approach 1:

The patent merges the hardware interfaces of the POS machine and mobile terminal by having the mobile terminal share its hardware interfaces (camera, NFC module, speaker, microphone) with the secure payment module. This eliminates redundant interfaces and reduces manufacturing costs while maintaining complete payment functionality through the shared interface architecture.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The mobile terminal's hardware interfaces are designed to serve multiple functions: both communication functions and secure payment functions. The shared interfaces can be used for various payment operations including face recognition, NFC contactless payment, and audio feedback, making the system more versatile while reducing overall hardware requirements.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If transaction information is transmitted in clear text, then the transmission process is simple, but security risks increase due to exposure of sensitive information

Engineering Contradiction:

Improvepayment securityVSAvoidencryption processing

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies preliminary action by encrypting the transaction information before it is transmitted from the secure payment module to the transaction verification server. The encryption is performed in advance within the secure payment module, ensuring that sensitive information is protected during transmission. This preliminary encryption step prevents security risks while maintaining a relatively simple transmission process.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS20240005319A1Method for secure payment, secure payment terminal, and non-transitory computer readable storage medium

Publication Date: 2024.01.04 PAX COMP TECH SHENZHEN

AI summary

A method for secure payment, including: detecting whether a connected mobile terminal exists; acquiring, when the connected mobile terminal exists, a first user transaction information, and encrypting the first user transaction information to generate a corresponding first encrypted transaction information; sending the first encrypted transaction information to a transaction verification server based on a first hardware interface of the mobile terminal, and receiving a transaction verification result from the transaction verification server; and determining, according to the transaction verification result, whether a payment operation is to be performed.