Registration Server Scanning for Payment Card and Identity Verification
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Solution Overview
Problem
Current online payment processes are cumbersome and inefficient, requiring users to manually input payment card numbers and identity information, which negatively impacts user experience.
Innovation Solution
A computer-implemented method using a registration server that receives an image from a client terminal, extracts user identity and payment account information, verifies the association, and generates a registration code for streamlined online payments, eliminating the need for manual input.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users manually input payment card numbers and identity information, then payment security can be verified, but the payment process becomes complicated and time-consuming
Solution Approach 1:
The system performs preliminary verification by having users scan their payment card and identity information once during registration. The extracted information is verified against bank servers in advance, and the verified data is stored for future use. This preliminary action eliminates the need for repeated manual input and verification during subsequent payment transactions.
Solution Approach 2:
The system creates a digital copy of the payment card information and identity information by scanning the physical cards. The scanned images and extracted data are stored in the system, allowing rapid retrieval and verification without requiring users to physically present or manually re-enter the information during transactions.
2Measurement precision
If users manually input payment information, then accurate data can be captured, but the operation becomes inconvenient and complex
Solution Approach 1:
The system replaces the mechanical process of manual typing and data entry with automated optical scanning and image recognition. The terminal device's camera or scanner captures images of the payment card and identity documents, and optical character recognition technology automatically extracts the information, eliminating manual input errors and simplifying user interaction.
Solution Approach 2:
The system enables self-service by allowing users to scan their own payment card and identity information using their personal terminal devices. The automatic extraction and verification processes occur without requiring assistance from bank staff or complex manual procedures, making the registration process convenient and user-friendly.
3Reliability
If comprehensive verification is performed during registration, then payment reliability is improved, but the registration process becomes more complex
Solution Approach 1:
The verification process is segmented into distinct modular steps: scanning the payment card, scanning the identity document, extracting information from each scan, verifying payment card information with the bank server, verifying identity information with relevant authorities, and storing the verified data. This segmentation allows each verification task to be handled by specialized components, managing complexity through modular architecture.
Data Source
AI summary
A registration sever receives registration data from a client terminal, wherein the registration data includes user identity information and payment account information, and is generated by the client terminal through scanning one or more tangible information carriers provided by a user and extracting the user identity information and payment account information from one or more images obtained through the scanning. The registration server identifies a bank server based on the payment account information, verifies whether the user identity information is associated with a payment account identified by the payment account information; generates a registration code for the user upon successful verification, sends the registration code to the client terminal; and sends the registration code and a terminal identifier to the bank server, wherein the bank server establishes corresponding relationships between the registration code, the terminal identifier, and the payment account for verifying subsequent payment requests by the client terminal.