Transaction Security via Pseudonym Segmentation

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Solution Overview

Problem

Existing transaction methods in the financial sector are vulnerable to manipulation, particularly in online banking, due to the accessibility of transaction-limiting data, which can lead to attacks like man-in-the-middle attacks, and there is a need for enhanced security measures to protect transaction data.

Innovation Solution

A method that assigns unique pseudonyms to participants, stores transaction data on a notary server, and uses encryption to secure transaction parameters, ensuring that only authorized parties can manipulate transaction data, while preventing unauthorized changes.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If transaction data is stored and transmitted in accessible formats for online banking, then ease of operation is improved, but security against manipulation deteriorates

Engineering Contradiction:
Improveaccessibility of transaction channelVSAvoidsusceptibility to manipulation
Core Design Contradiction:
Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent segments transaction data into two distinct components: pseudonyms (public identifiers) and actual transaction data (sensitive information). Pseudonyms are used in public transactions while actual data remains protected on the notary server, allowing online accessibility without exposing sensitive information to manipulation.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent introduces pseudonyms as an intermediary between participants and the notary server. These pseudonyms allow transaction channels to remain accessible and operational while preventing direct access to actual transaction data, thus blocking manipulation vectors while maintaining ease of operation.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Productivity

If transaction-limiting data is made accessible for online transactions, then productivity is improved, but reliability deteriorates

Engineering Contradiction:
Improvetransaction processing speedVSAvoidsecurity against manipulation
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

By segmenting data into pseudonyms (for fast public exchange) and protected transaction data (for secure verification), the system achieves both high transaction processing speed and security. The notary server can quickly verify transactions using pseudonyms without exposing sensitive data.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent creates pseudonym copies of participant identities that can be freely transmitted and verified in online transactions. These copies enable rapid transaction processing while the original transaction data remains securely stored on the notary server, maintaining reliability.

Inventive Principle:
Principle #26Copying

3Reliability

If pseudonyms are assigned and stored on a notary server, then security is improved, but device complexity increases

Engineering Contradiction:
Improveprotection from manipulationVSAvoidsystem architecture complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The notary server performs multiple functions: storing pseudonym-to-identity mappings, verifying transaction authenticity, and preventing manipulation. This multi-functionality justifies the added complexity by consolidating security operations in a single trusted component rather than distributing complexity across all participants.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentEP3244362B1Method for carrying out transactions
Publication Date: 2021.09.29 GIESEN HEINZ
  • EP3244362B1 patent drawingFigure 1
  • EP3244362B1 patent drawingFigure 2
  • EP3244362B1 patent drawingFigure 3

AI summary

The invention relates to a method for carrying out transactions between a number of participants, wherein each of the participants is assigned a unique pseudonym, and wherein the assignment of a pseudonym to a participant, as well as the transaction data of the participant, are stored on a notary server.