Payment Network Server Cryptogram Verification for Delivery Security
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Solution Overview
Problem
In e-commerce transactions, particularly those involving delivery services, there is a challenge in verifying the identity of delivery vehicles and recipients, leading to potential misdelivery or unauthorized access.
Innovation Solution
An electronic system and method utilizing a payment network server with a transaction module, security module, and verification module to generate and decrypt cryptograms and ciphertexts for transacting parties, ensuring the correct identity verification of users and agents through pre-generated keysets.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional delivery verification methods are used, then the delivery process is simple and quick, but the security and accuracy of verifying transacting parties is insufficient
Solution Approach 1:
The system performs preliminary actions by pre-generating keysets for all transacting parties before the actual delivery transaction occurs. These keysets are stored securely and retrieved during the verification process, enabling rapid authentication without adding complexity to the delivery workflow.
Solution Approach 2:
The payment network server acts as an intermediary that facilitates verification between the delivery agent and transacting parties. It generates cryptograms and ciphertexts that enable secure authentication without requiring direct complex interactions between all parties involved in the delivery process.
2Reliability
If encryption and decryption processes are implemented for verification, then transaction security is enhanced, but the processing time and computational resources increase
Solution Approach 1:
Keysets are pre-generated and stored before transactions occur, so that during the actual verification process, the system only needs to retrieve and use these pre-prepared cryptographic materials, significantly reducing the time required for security verification.
Solution Approach 2:
The verification process extracts only the necessary cryptographic elements (specific keysets and identification data) from the larger system, performing encryption and decryption operations on minimal data sets to reduce computational overhead and processing time.
Data Source
AI summary
The present disclosure generally relates to electronic systems and computerized methods for verification of transacting parties to process transactions. A payment network server receives details of a transaction fulfilled by an agent and generates a transaction identification plaintext. A first party keyset for the first transacting party and an agent keyset for the agent is identified. The server generates cryptograms and ciphertexts encrypted by the first party keyset and agent keyset and sends the cryptograms to the first transacting party and agent. An encrypted cryptogram contains an encrypted ciphertext which contains a plaintext representing the transaction identification plaintext. The ciphertexts are exchanged between the first transacting party and agent by a computer handshake for decryption. The plaintexts are extracted from the ciphertexts and compared against the transaction identification plaintext for verifying the first transacting party and agent.