Payment Token Verification via Graphical Codes

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Solution Overview

Problem

Current secure payment systems rely on merchant devices for transaction verification, which can be compromised, and require network connectivity, making them costly, cumbersome, and insecure for customers.

Innovation Solution

A method where a merchant device generates a graphically encoded representation of billing information and an encryption key, allowing customers to scan and decode this information using their own device to initiate payments, thereby reducing reliance on merchant devices and ensuring secure transaction verification without network connectivity.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional secure payment systems use merchant card reader devices with network connectivity, then transaction verification can be performed, but security is degraded when connection is inactive and customers must trust merchant devices

Engineering Contradiction:

Improvetransaction verification reliabilityVSAvoidsecurity risk from compromised merchant devices

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent inverts the traditional payment verification model by having the customer's device (scanner) verify the merchant's payment token instead of the merchant's device verifying the customer's card. The scanner device generates a payment token that the merchant's authentication device verifies, reversing the trust relationship and eliminating the need for customers to trust merchant devices with their sensitive information

Inventive Principle:

Principle #13The other way round (Inversion)

Solution Approach 2:

The patent introduces a payment token as an intermediary element that carries billing information and encryption key information between the customer's scanner device and the merchant's authentication device. This token serves as a secure mediator that eliminates the need for direct trust between customer and merchant devices, allowing verification without network connectivity

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If traditional payment verification uses text messages or dedicated hardware devices, then transaction success can be communicated, but the system becomes costly and cumbersome to implement

Engineering Contradiction:

Improvepayment verification capabilityVSAvoidcomplexity of verification infrastructure

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent replaces complex verification infrastructure with a simple graphical code representation (QR code or barcode) that can be scanned by any smartphone camera or barcode scanner. Instead of requiring dedicated hardware devices or text message systems, the solution uses a universal visual code that can be captured and processed by common consumer devices

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent replaces mechanical and network-based verification systems (text messages, dedicated hardware devices requiring network connectivity) with an optical system using graphical codes that can be scanned and processed offline. This substitution eliminates the need for network infrastructure and specialized hardware

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Ease of operation

If merchant devices store complete access to customer payment card information, then transactions can be processed, but security risk increases if devices are hacked or compromised

Engineering Contradiction:

Improvetransaction processing capabilityVSAvoidsecurity risk from device compromise

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent segments the sensitive payment information into two separate components: billing information and encryption key information. These segmented components are embedded within a payment token that is generated by the customer's device and verified by the merchant's authentication device, eliminating the need for merchant devices to store complete access to customer payment information

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent extracts sensitive customer payment information from the merchant's card reader device and places it within a payment token generated and controlled by the customer's own device. This extraction removes the security vulnerability of having merchant devices store complete access to customer payment card information

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS11210662B2Payment confirmation system and method

Publication Date: 2021.12.28 GELLINER

AI summary

Disclosed herein are methods and apparatus related to making payments in response to payment requests. For example, a customer device can receive a payment request including billing information and information related to an encryption key. The customer device can obtain the billing information and the information related to the encryption key from the payment request. The customer device can receive an input related to initiating payment of the payment request. After receiving the input related to initiating payment, the customer device can generate a request to initiate payment that includes the information related to the encryption key. The customer device can send the request to initiate payment.