Secure B2B Payment System Using Acquisition Device and Security Module

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Solution Overview

Problem

There is a need for secure payment methods in the commercial B2B sector that can handle large payment amounts while ensuring high security standards.

Innovation Solution

A payment system comprising a system component, an acquisition device, and a security module, where the acquisition device acquires a value representative of a status or operating parameter and sends it to the security module, which generates billing information based on this value.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional payment methods are used in the B2B sector, then payment processing is simple, but security requirements are not met for large payment amounts

Engineering Contradiction:
Improvepayment securityVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

A security module is introduced as an intermediary component between the system component and the payment processing system. This security module generates billing information based on acquisition values from status and operating parameters, thereby enhancing payment security without requiring complete system redesign. The intermediary handles the complex security requirements while keeping the overall system integration manageable.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If a secure payment system is implemented, then payment security is improved, but ease of implementation in existing systems deteriorates

Engineering Contradiction:
Improvepayment securityVSAvoidease of implementation
Core Design Contradiction:
ReliabilityVSEase of manufacture

Solution Approach 1:

The payment system is segmented into distinct functional components: a system component that provides service, an acquisition device that collects status and operating parameter data, and a security module that generates billing information. This segmentation allows each component to be implemented and integrated independently into existing systems, reducing the overall complexity of implementation while maintaining high security standards.

Inventive Principle:
Principle #1Segmentation

3Measurement precision

If consumption-based payment is implemented, then payment accuracy is improved, but system complexity increases

Engineering Contradiction:
Improvepayment accuracyVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The system component automatically provides its own status and operating parameter data to the acquisition device, which then feeds this information to the security module for billing information generation. This self-service approach eliminates the need for manual data collection and processing, thereby improving payment accuracy based on actual consumption while minimizing the additional complexity that would arise from manual intervention.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS12314943B2Service payment system and method
Publication Date: 2025.05.27 FRANCOTYP POSTALIA AG & CO KG
  • US12314943B2 patent drawing
  • US12314943B2 patent drawing

AI summary

A system and a method of payment for services, the system includes a system component, an acquisition device and a security module.