Third-Party Authorization Terminal for TV Payment Security
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Solution Overview
Problem
Current payment methods on Internet terminals, such as television terminals, are inconvenient and costly due to the need for users to manually input sensitive information, lacking a direct payment link to banking servers and relying on remote control operations, which hinders the development and use of value-added services.
Innovation Solution
A method and system utilizing a third-party authorization terminal with NFC capabilities to establish a secure and convenient payment process by acquiring and updating authorization information, allowing television terminals to access payment servers directly without requiring users to input bank card details or perform additional registrations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If conventional payment methods are used on television terminals, then payment functionality can be provided, but user operation convenience deteriorates due to the need for manual input of sensitive information via remote control
Solution Approach 1:
The patent introduces a third-party authorization terminal as an intermediary device between the user and the payment system. This terminal receives authorization requests from the television terminal, processes the payment information securely, and returns authorization results. The intermediary handles the complex operations of information input and verification, leaving the television terminal with a simple remote control interface for users.
Solution Approach 2:
The payment system is segmented into multiple independent components: the television terminal for service delivery, the third-party authorization terminal for payment processing, and the banking server for financial transactions. This segmentation allows each component to specialize in its function, with the authorization terminal handling the sensitive payment operations while the television terminal maintains its simple user interface.
2Reliability
If manual input methods are used for payment information, then payment security can be maintained, but user operation cost increases due to extensive remote control operations
Solution Approach 1:
The system performs preliminary actions by pre-establishing authorization relationships and storing payment information securely in the third-party terminal before actual transactions. When a payment is needed, the television terminal simply requests authorization using pre-configured information, and the third-party terminal quickly verifies and processes the request without requiring users to re-input sensitive data.
Solution Approach 2:
The third-party authorization terminal creates a secure copy of the payment information and authorization credentials, storing them locally for quick verification. This copying mechanism allows the system to maintain security through centralized credential management while enabling fast transaction processing without repeated user input.
3Adaptability or versatility
If television terminals directly access banking servers, then payment link functionality is provided, but system security deteriorates due to lack of authorization management
Solution Approach 1:
The third-party authorization terminal serves as a security intermediary between television terminals and banking servers. It manages authorization credentials, validates payment requests, and controls access to banking services. This intermediary layer enables multiple television terminals to access payment functionality while maintaining centralized security control and preventing unauthorized transactions.
Solution Approach 2:
The third-party authorization terminal provides universal authorization services to multiple television terminals and various banking servers. It handles different payment methods, manages multiple user accounts, and supports various transaction types, making the system adaptable and versatile while maintaining a single point of security control.
Data Source
AI summary
Exchanging information includes receiving an authorization request provided by a data request terminal, generating an authorization information updating instruction based on the authorization request, updating, based on the authorization information updating instruction, authorization information of the data request terminal that is stored on the request processing server, the authorization information indicating that the data request terminal has authorization request processing authority, and causing the data request terminal to acquire a data request result corresponding to data request information.