Payment Account Anonymization with Randomized Public-Key Encryption

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Solution Overview

Problem

Existing payment service implementations risk leakage of payment account information due to direct exposure of such information, compromising security.

Innovation Solution

Implement encryption using a public key and decryption using a private key to generate anonymous payment account information, combined with random number interference to ensure each encryption result is unique, preventing identity locking and reducing leakage risk.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If original payment account information is directly provided to the other party, then payment service can be implemented, but payment account information leakage risk increases

Engineering Contradiction:

Improvepayment service implementationVSAvoidpayment account information leakage risk

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent introduces encrypted payment account information as an intermediary between the original payment account information and the other party. The encrypted form serves as a mediator that allows payment services to proceed while preventing direct exposure of sensitive information, thus resolving the contradiction between service implementation and information security

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent transforms the payment account information by applying encryption algorithms, changing its state from plaintext to ciphertext. This parameter change (from readable to encrypted form) maintains the functionality of payment services while eliminating the security risk of information leakage

Inventive Principle:

Principle #35Parameter changes

2Object-affected harmful factors

If encryption is applied to payment account information, then security is improved, but processing complexity increases

Engineering Contradiction:

Improveinformation leakage riskVSAvoidencryption processing complexity

Core Design Contradiction:

Object-affected harmful factorsVSDevice complexity

Solution Approach 1:

The patent performs encryption processing on payment account information in advance, before the information is transmitted or used in payment services. This preliminary action ensures that the information is already secured when needed, reducing the complexity of real-time security operations while maintaining continuous protection

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12423689B2Payment service implementation methods and apparatuses

Publication Date: 2025.09.23 ALIPAY (HANGZHOU) INFORMATION TECH CO LTD

AI summary

Embodiments of this specification provide a payment service implementation method and apparatus. According to the method in the embodiments, when a payment service is performed, anonymous processing needs to be performed on original payment account information. First, a random number is used to perform transform processing on the original payment account information, so that information encrypted each time by using a public key is different. Then, the public key and an encryption algorithm obtained in advance are used to encrypt payment account information obtained after the transform processing, so as to obtain anonymous payment account information, thereby completing an anonymous processing process. After anonymous processing is completed, the obtained anonymous payment account information may be used to perform a payment operation.