Pre-certification Server for Chip Card Transaction Authentication

Solution Overview

Problem

Mobile merchants face the burden of needing to individually certify with multiple payment card brands to accept chip card transactions, which is cumbersome and insecure, especially when adding new devices or making changes to their payment systems.

Innovation Solution

A pre-certification method and apparatus that authenticates devices involved in a chip card transaction through a server, allowing transactions to be processed without requiring individual certification from each payment card brand, using a pre-certified software development kit (SDK) embedded in the payment software to streamline the process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If mobile merchants individually certify with multiple payment card brands to accept chip card transactions, then security and compliance are improved, but device complexity and time consumption increase

Engineering Contradiction:

Improvesecurity and complianceVSAvoidcertification complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces a server as an intermediary that performs centralized authentication of mobile merchants. Instead of merchants individually certifying with multiple payment card brands, the server acts as a mediator that validates devices and processes transactions, thereby reducing certification complexity while maintaining security and compliance standards.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The server performs preliminary authentication of mobile merchants and their devices before transactions occur. This advance verification establishes compliance and security credentials upfront, eliminating the need for merchants to repeatedly certify with each payment card brand for every transaction, thus reducing ongoing certification burden.

Inventive Principle:

Principle #10Preliminary action

2Reliability

If mobile merchants individually certify with multiple payment card brands, then transaction security is improved, but time consumption and operational efficiency worsen

Engineering Contradiction:

Improvetransaction securityVSAvoidcertification time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The server performs preliminary authentication of mobile merchants and their devices before transactions occur. This advance verification establishes compliance and security credentials upfront, eliminating the need for merchants to repeatedly certify with each payment card brand for every transaction, thus reducing ongoing certification burden.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The server maintains authentication status and device validity information, providing feedback to determine whether transactions should be approved or rejected. This feedback mechanism ensures continuous security monitoring without requiring repeated certification processes, saving time while maintaining transaction security.

Inventive Principle:

Principle #23Feedback

3Ease of operation

If a pre-certification system is implemented through a server, then ease of operation is improved, but system complexity increases

Engineering Contradiction:

Improvetransaction processing easeVSAvoidsystem architecture complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The patent introduces a server as an intermediary that performs centralized authentication of mobile merchants. Instead of merchants individually certifying with multiple payment card brands, the server acts as a mediator that validates devices and processes transactions, thereby reducing certification complexity while maintaining security and compliance standards.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The server provides universal authentication services that work across multiple payment card brands and transaction types. By creating a multi-functional authentication system that handles various payment scenarios through a single interface, the server simplifies merchant operations without proportionally increasing complexity.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS10504113B2Method and apparatus for providing pre-certification for chip card mobile merchant payments

Publication Date: 2019.12.10 CARDFLIGHT INC

AI summary

A method and apparatus for pre-certifying a chip card transaction, includes receiving, by a server, a request for processing the chip card transaction from a first device. The server authenticates the first device and one or more devices involved in the transaction for processing the transaction. If the first device and all of the one or more devices are authenticated, the transaction is processed and data relating to the processed transaction is transmitted to the first device.