Split Payment Transaction Channel Architecture
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Solution Overview
Problem
Current payment card transaction systems are vulnerable to hacking, as merchant computers often handle customer payment card information, leading to potential theft and fraud.
Innovation Solution
The system splits a payment card transaction into separate channels, with a merchant bill message and a cardholder payment message, where the merchant bill message does not contain customer payment information, ensuring that payment card information is never transmitted to the merchant, thereby enhancing security and preventing fraud.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If payment card information is transmitted to the merchant through a single channel, then the transaction process is simple and efficient, but the merchant systems become vulnerable to hacking and data theft
Solution Approach 1:
The patent divides the traditional single payment channel into two separate channels: a first channel for transmitting merchant bill information (without payment card data) and a second channel for transmitting cardholder payment information. This segmentation isolates sensitive payment data from merchant systems, preventing hackers from accessing card information through merchant computers while maintaining transaction functionality.
Solution Approach 2:
The patent extracts sensitive payment card information from the merchant's transaction flow entirely. The cardholder's payment card data is transmitted only through the second channel directly to the payment network, never passing through the merchant's system. This extraction removes the vulnerability point where hackers could intercept data at the merchant location.
2Reliability
If payment card information is isolated from merchant systems, then security is enhanced, but the transaction process requires multiple separate channels
Solution Approach 1:
The patent introduces a payment network as an intermediary that receives information from both the merchant (first channel) and the cardholder (second channel). This intermediary consolidates the two separate information streams and processes the transaction, allowing the system to maintain security through channel separation while preserving ease of operation through centralized mediation.
3Ease of operation
If a single transaction channel is used, then the system is simple to operate, but the merchant computer becomes a target for hacking and data breaches
Solution Approach 1:
The patent segments the transaction system into distinct channels with different information types. The first channel carries only merchant bill information, while the second channel carries sensitive payment card information. This segmentation creates architectural isolation that prevents hackers from accessing payment data through merchant systems, as the sensitive information never traverses the merchant's network infrastructure.
Data Source
AI summary
A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.