Payment Terminal Mediator for Contactless Cardholder Verification
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Solution Overview
Problem
Many contactless POS terminals do not support the consumer device cardholder verification method (CD-CVM), leading to degraded user experience during contactless payments as users need to enter a PIN code or provide a signature for cardholder verification.
Innovation Solution
A payment terminal changes the cardholder verification method to 'no CVM required' if it detects valid verification information, notifying the settlement terminal to skip cardholder verification, and if not available, sends a verification request to a cloud verification server to obtain necessary information for secure transaction completion.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If contactless POS terminals are deployed in the market, then payment transaction coverage is improved, but user experience during contactless payment deteriorates due to requiring PIN entry or signature
Solution Approach 1:
The patent introduces a payment terminal as an intermediary device between the user's mobile device and the settlement terminal. This payment terminal performs CD-CVM verification locally and communicates with non-CD-CVM settlement terminals, enabling contactless payment without PIN entry on the settlement terminal while maintaining security through terminal-side verification
Solution Approach 2:
The patent segments the cardholder verification function from the settlement terminal and relocates it to a separate payment terminal. This segmentation allows the settlement terminal to remain simple and widely compatible while the payment terminal handles the complex CD-CVM verification, resolving the contradiction between coverage and user experience
2Reliability
If CD-CVM verification is performed, then transaction security is improved, but compatibility with existing POS terminals deteriorates
Solution Approach 1:
The payment terminal acts as a mediator that implements CD-CVM verification and translates it into a format compatible with traditional POS terminals. It performs the secure verification locally and communicates results to the settlement terminal in a way that maintains both security and compatibility
Solution Approach 2:
The patent moves the CD-CVM verification to a different dimension by implementing it in the payment terminal rather than requiring settlement terminal support. This dimensional shift allows advanced security features to coexist with legacy infrastructure
Data Source
AI summary
A payment verification method and apparatus are disclosed. The method includes: if a payment terminal detects that there is valid verification information in a secure storage of the payment terminal, changing, by the payment terminal, a cardholder verification method (CVM) supported by a currently used payment card to “no CVM required”, where the payment card is a preset card or a card selected by a user, and the secure storage of the payment terminal is a trusted storage area in a trusted execution environment (TEE) or a secure storage area in a rich execution environment (REE); and notifying, by the payment terminal, the settlement terminal that the CVM supported by the payment card is “no CVM required”, so that the settlement terminal performs verification on the user and completes a transaction according to “no CVM required”.