Electronic Device Payment Token Management via Trusted Execution Environment
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Solution Overview
Problem
Existing electronic devices face challenges in providing an intuitive and efficient method for performing payment operations, particularly in managing payment-related information and securely processing transactions.
Innovation Solution
The implementation of a payment means information operation supporting method on electronic devices, which includes a payment application and a trusted execution environment (TEE) for secure token management, user authentication, and communication with payment servers to facilitate seamless payment processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional payment methods are used without tokenization, then payment processing is simpler, but security and reliability of payment operations deteriorate
Solution Approach 1:
The patent introduces a token as an intermediary element that replaces sensitive payment information (such as credit card numbers) in the payment processing system. The token acts as a mediator between the payment application and the payment server, allowing secure transactions without exposing actual payment details. This resolves the contradiction by enhancing security through the token intermediary while maintaining relatively simple system architecture.
Solution Approach 2:
The patent extracts sensitive payment information from the direct transaction flow by replacing it with tokens. The actual payment details are taken out of the payment processing path and stored securely, while only token representations are used in transactions. This extraction approach improves security by isolating sensitive data while keeping the payment processing system straightforward.
2Ease of operation
If payment means information is not pre-managed, then operation process is shorter, but ease of operation for payment transactions deteriorates
Solution Approach 1:
The patent implements preliminary action by pre-managing payment means information through automatic token generation and storage in the payment application before actual transactions occur. The system proactively creates and stores token representations of payment methods, so that during actual payment operations, users can quickly select from pre-configured options without needing to manually input or manage payment details at the time of transaction. This resolves the contradiction by improving ease of operation through advance preparation while the time investment is made during initial setup rather than during each transaction.
Data Source
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AI summary
An electronic device is provided. The electronic device includes a display and a processor. The processor transmits registration information relating to a user's payment means to an external electronic device, receives state information on the payment means, which is generated by the external electronic device using the registration information, from the external electronic device, and displays an indication corresponding to the state information in relation to an object for representing the payment means, through the display.