Mobile Payment Terminal Environment Confidence Assessment
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Solution Overview
Problem
Contactless payment transactions with contactless chips are vulnerable to fraudulent use due to the lack of identity authentication and transaction confirmation, compromising cardholder account security.
Innovation Solution
A payment information processing method and apparatus that collects an environment image by a mobile acquiring device, determines a payment environment confidence level based on this image, and uses this confidence level to assess and mitigate transaction risks, thereby enhancing security and reducing fraudulent use.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If contactless payment is used without identity authentication, then payment convenience is improved, but account security deteriorates
Solution Approach 1:
The system performs preliminary environment image collection and confidence level determination before the payment transaction is completed. By assessing the payment environment confidence level in advance, the system can prevent fraudulent transactions without requiring additional authentication steps from the cardholder, thus maintaining convenience while improving security.
Solution Approach 2:
The patent introduces an intermediary assessment mechanism that evaluates the payment environment through image analysis. This intermediary layer (environment confidence level assessment) mediates between the convenient contactless payment process and the security requirement, allowing the system to make informed decisions about transaction authorization without direct user intervention.
2Reliability
If environment image collection is added to assess payment security, then account security is improved, but device complexity increases
Solution Approach 1:
The mobile acquiring device utilizes its existing camera and image processing capabilities for multiple purposes: both for normal payment operations and for environment security assessment. By making the image collection system multi-functional, the patent avoids adding dedicated hardware complexity while still achieving the security improvement through environmental confidence level evaluation.
Data Source
AI summary
The present application discloses a payment information processing method, apparatus, device, and computer readable storage medium. The payment information processing method includes: obtaining an environment image collected by a mobile acquiring device, in response to an acquiring request sent by the mobile acquiring device; determining a payment environment confidence level of the mobile acquiring device according to the environment image, under a condition that the mobile acquiring device obtains payment card information; determining a payment information processing result according to the payment environment confidence level.