Secure Image Transaction System for Mobile Payment Security
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Solution Overview
Problem
Current mobile communication devices rely heavily on credit and debit card networks for transactions, which can be insecure and limit transaction flexibility, especially for person-to-person and business-to-business transactions over open networks like the Internet.
Innovation Solution
Implementing a system that uses secure images (STI or PDI codes) on mobile devices to facilitate transactions by creating, verifying, and processing secure images for transaction identification, allowing users to complete financial and other transactions without relying on traditional card networks, using a transaction core engine to manage and secure the process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If credit and debit card networks are used for transactions, then transaction processing is enabled, but security risks and reliance on traditional card systems increase
Solution Approach 1:
The transaction system is segmented into multiple components: secure image generation module, secure image transmission module, and secure image verification module. This segmentation allows each component to operate independently with specialized security measures, enabling secure transactions without relying on traditional card networks while maintaining flexibility across different transaction types.
Solution Approach 2:
A secure image acts as an intermediary element between the payer and payee. Instead of directly exchanging sensitive financial information, parties exchange a secure image that encapsulates transaction details. This intermediary mechanism enhances security by preventing exposure of sensitive data while enabling versatile transaction processing across multiple platforms.
2Adaptability or versatility
If secure images are used for transactions, then security and transaction flexibility improve, but device complexity increases
Solution Approach 1:
The mobile device is equipped with a universal secure image processing capability that handles multiple transaction types (person-to-person, person-to-business, business-to-business) through a single integrated system. This multi-functional approach enables the device to perform diverse transactions without requiring separate specialized systems for each transaction type, thus managing complexity while maintaining versatility.
Solution Approach 2:
Instead of storing sensitive financial information directly on the device, the system creates and processes copies in the form of secure images. These secure images are temporary representations of transaction data that can be generated, transmitted, and verified without exposing underlying sensitive information. This copying mechanism simplifies device requirements while enabling flexible secure transactions.
3Adaptability or versatility
If traditional card networks are replaced, then reliance on card systems reduces, but transaction processing infrastructure complexity increases
Solution Approach 1:
The secure image processing functionality is extracted as a standalone capability that operates independently from traditional card network infrastructure. By separating the secure image generation, transmission, and verification processes from card network dependencies, the system achieves transaction independence while using standardized mobile device components, thus avoiding excessive infrastructure complexity.
Solution Approach 2:
The mobile device performs self-service functions for secure image processing, including generation, storage, and verification of secure images. This self-service capability eliminates the need for external card network infrastructure while maintaining robust transaction processing. The device uses its own computational resources and standardized components to handle the entire secure image lifecycle, reducing infrastructure complexity despite increased functional independence.
Data Source
AI summary
Systems and methods are disclosed for performing transactions using secure images. A device may collect transaction details and initiates the creation of a secure image. Upon creation of the secure image, the device may provide the secure image to second device participating in the transaction by displaying the secure image in a manner that allows the second device to capture the secure image or by providing the secure image in an electronic message. The second device may use the secure image to identify the transaction by providing the secure image to a secure server. Upon receiving the secure image, the secure server may provide transaction details to the second device. The second device may then send a confirmation of the transaction to the secure server, which may then complete the transaction. Use of the secure image allows the transaction to be performed without exposing sensitive transaction details.