Cross-Border QR Wallet Flow With Encrypted PAN Packet Merging
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Solution Overview
Problem
Travelers face challenges in making cashless payments across borders due to restrictive computer network firewalls, particularly in countries like China, which restrict data flows, leading to minimal card acceptance points and difficulties in using credit cards.
Innovation Solution
A cross-border digital wallet application transforms QR code-based transactions into encrypted primary account number (PAN) payments, enabling consumers to use their credit cards by scanning QR codes, which are processed through a streamlined data packet transmission that conforms to national firewall restrictions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If QR code-based payment flow is used inside restricted firewall, then payment acceptance is enabled, but data transmission frequency and time increase due to multiple data packets
Solution Approach 1:
The patent combines multiple data packets (QR code data, payment information, authentication data) into a single consolidated data packet for transmission outside the firewall. This merging eliminates the need for multiple separate transmissions, reducing both the frequency and total time of data passing through the restricted firewall while maintaining payment acceptance functionality.
Solution Approach 2:
The system performs preliminary actions by pre-processing and consolidating all necessary payment data before transmission. The QR code is generated with embedded payment information, and all data packets are prepared and combined in advance, so that when transmission occurs, it can be done in a single efficient operation rather than multiple sequential transmissions.
2Ease of operation
If QR code-based payment flow is used inside restricted firewall, then payment acceptance is enabled, but network data packet flows increase frequency
Solution Approach 1:
Multiple data packets are merged into one consolidated packet containing all necessary payment information. This reduces the number of data packet flows from multiple separate transmissions to a single efficient transmission, improving overall data packet flow efficiency while enabling payment acceptance.
3Reliability
If encrypted PAN payment flow is implemented, then data transmission security is improved, but transformation complexity increases
Solution Approach 1:
The system introduces an intermediary component (the payment processing system or gateway) that handles the complex transformation from QR code data to encrypted PAN format. This intermediary manages the encryption and data format conversion, isolating the complexity from the end-user devices and maintaining security while reducing the apparent complexity for consumers and merchants.
4Reliability
If firewall restrictions are imposed, then national security is maintained, but cross-border payment acceptance decreases
Solution Approach 1:
The critical payment data is extracted and consolidated into a single data packet that can be transmitted outside the firewall in one controlled operation. This extraction and consolidation approach allows essential payment transactions to occur while maintaining the firewall's security restrictions, thereby improving cross-border payment acceptance without compromising national security.
Solution Approach 2:
The firewall acts as an intermediary that controls and monitors data transmission. By consolidating payment data into a single approved packet format, the system works within the firewall's restrictions rather than against them, enabling cross-border payments to proceed through the security checkpoint efficiently while maintaining national security policies.
Data Source
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AI summary
A computer-implemented system for streamlining encryption payload of a card transaction from a transaction code transaction via a merchant inside a restricted computer network firewall. A wallet application stores data of a payment device, and the wallet application retrieves information of a merchant and a transaction via a transaction code. In response to the retrieved information, the wallet application generates an encrypted payload. The wallet application transmits the encrypted payload to a payment facilitator within the restricted computer network firewall. After decryption of the encrypted payload, the payment facilitator transmits a decrypted payload in one payment packet to the payment processing server outside the restricted computer network firewall. The payment processing server transmits from outside the restricted computer network firewall to the merchant inside the restricted computer network firewall a notification of payment after the payment processing server validates the payment transaction.