QR Payment Gateway Using Handle Messages for EMV Interoperability
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Solution Overview
Problem
Existing QR code payment systems lack interoperability and data storage capacity to accommodate EMV transaction requirements, limiting their ability to securely process transactions across different payment platforms.
Innovation Solution
A common transaction payment gateway that processes a handle message encoded in QR codes, enabling legacy systems to communicate with more robust platforms without requiring device or infrastructure upgrades, and translating handle messages into transaction data payloads.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Quantity of substance
If QR code designs are optimized to store more data (e.g., designs 104, 108, 110), then data storage capacity increases, but device complexity and cryptographic implementation requirements increase
Solution Approach 1:
A common gateway is introduced as an intermediary component between legacy QR code payment systems and robust payment platforms. The gateway receives handle messages from legacy systems, performs cryptographic operations and data expansion, then translates them into formats compatible with EMV-compliant platforms. This mediator approach allows legacy devices with limited cryptographic capabilities to access advanced payment infrastructure without upgrading their own hardware or software.
Solution Approach 2:
The transaction processing function is segmented into distinct components: QR code generation/reading (handled by legacy devices), handle message translation (handled by common gateway), and EMV transaction processing (handled by robust platforms). This segmentation allows each component to operate within its capability boundaries while achieving overall system interoperability.
2Ease of operation
If legacy QR payment platforms are used, then ease of operation is maintained, but interoperability with robust payment platforms is lost
Solution Approach 1:
The common gateway provides universal compatibility by supporting multiple payment platforms and transaction types. It can translate handle messages from various legacy QR payment systems to work with different robust payment platforms, making the system adaptable to diverse payment scenarios without requiring changes to the underlying QR code infrastructure.
3Quantity of substance
If QR codes are designed to hold more information (designs 104, 108), then data storage capacity increases, but manufacturing precision requirements increase
Solution Approach 1:
Instead of embedding complex cryptographic data directly in the QR code image, the system uses a handle message that serves as a simplified copy or reference. The handle message contains minimal data that can be easily encoded in standard QR codes, while the full transaction data is stored separately in the payment platforms' databases, eliminating the need for high-precision image capture of complex data structures.
Data Source
AI summary
Embodiments of the invention may provide a technical solution by creating an interoperable or common transaction payment gateway with two-dimensional code so that legacy two-dimensional code payment platform may communicate with the more robust transaction payment platform. Aspects of the invention design a handle message, instead of the typical actual transaction message, encoded in the two-dimensional code such that merchants or consumers may transmit such handle to be further processed or decoded by the transaction handler. An advantage of embodiments of the invention may no longer need the consumer or merchant to upgrade its existing device to interpret the two-dimensional code to retrieve the handle and may no longer need to upgrade its payment processing network infrastructure. Embodiments of the invention bridge a gap between the legacy close loop two-dimensional code infrastructure and the robust and sophisticated payment transaction infrastructure.