QR Code Payment Button for Secure E-Commerce Transactions
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Solution Overview
Problem
E-commerce transactions are vulnerable to security risks due to the reliance on 'card-not-present' methods, and consumers lack efficient and secure ways to make online purchases using QR codes and NFC technologies, which are commonly used in-store.
Innovation Solution
Implementing a system where a merchant's website includes a QR code button or NFC option for consumers to initiate payment transactions, using tokens stored in digital wallets, which are scanned or tapped to complete purchases securely, leveraging EMV-based cryptography for authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If card-not-present payment methods are used for e-commerce transactions, then online shopping convenience is improved, but security vulnerability increases
Solution Approach 1:
The patent introduces QR codes and NFC tokens as intermediary elements between the consumer and merchant systems. Instead of directly transmitting sensitive card data, the system uses these intermediaries to establish secure communication channels. The QR code contains embedded cryptographic tokens that authenticate the transaction without exposing card details, while NFC provides proximity-based secure data exchange. This intermediary layer resolves the contradiction by maintaining convenience while significantly enhancing security.
Solution Approach 2:
The patent replaces traditional mechanical data entry methods (manual card number input) with optical (QR code scanning) and electromagnetic (NFC tapping) systems. This substitution eliminates the security vulnerabilities associated with manual card-not-present transactions by using technologies that provide built-in authentication and encryption mechanisms, thereby improving security without compromising user convenience.
2Device complexity
If traditional card-not-present methods are used, then implementation simplicity is maintained, but susceptibility to hacking increases
Solution Approach 1:
The patent fundamentally changes the parameters of the payment transaction system by transitioning from text-based card data transmission to visual (QR code) and electromagnetic (NFC) parameters. This parameter change includes using cryptographic tokens with expiration dates, implementing time-based authentication, and employing encrypted communication protocols. These parameter changes maintain implementation feasibility while dramatically reducing hacking vulnerability through inherent security features.
3Reliability
If QR codes and NFC technologies are integrated into e-commerce, then transaction security is improved, but system complexity increases
Solution Approach 1:
The patent implements universal QR code and NFC technologies that can be integrated into existing e-commerce platforms without requiring complete system redesign. The same QR code generation and scanning mechanisms can be applied across different merchants and platforms, and NFC tokens can work with various mobile devices. This multi-functionality approach improves security while minimizing the increase in system complexity by leveraging established, standardized technologies.
4Productivity
If mobile payment applications are used in-store, then transaction speed is improved, but online purchase efficiency remains slow
Solution Approach 1:
The patent applies preliminary action by having consumers set up their digital wallets and store payment tokens in advance, similar to in-store mobile payment preparation. During online checkout, the pre-configured QR code generation and NFC capabilities are immediately activated, eliminating the need for time-consuming manual card entry or form filling. This preliminary setup enables online transactions to achieve the same speed as in-store mobile payments.
Data Source
AI summary
A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.