Verification Terminal Data Interaction for Payment Efficiency
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing data interaction methods in mobile Internet payment systems are inefficient, requiring users to manually input or scan verification codes and perform online payments followed by offline transactions, leading to prolonged transaction times.
Innovation Solution
A data interaction method involving a verification terminal and server that receives identity verification information from a user terminal in advance, allowing the server to execute transactions without user input, enabling real-time synchronization of online and offline payments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the mobile terminal manually inputs or scans verification codes for each consumption, then payment security is maintained, but transaction time is significantly prolonged
Solution Approach 1:
The system performs preliminary actions by pre-generating and storing verification codes on user terminals before actual consumption occurs. When consumption happens, the pre-generated code is automatically submitted without manual input, thus maintaining security while reducing transaction time.
Solution Approach 2:
The user terminal automatically submits the pre-generated verification code to the server without requiring manual user intervention. The system serves itself by automatically completing the verification process, eliminating the time-consuming manual input or scanning steps while maintaining security through the pre-established verification mechanism.
2Reliability
If online payment is completed before offline transaction, then payment verification is ensured, but the entire process consumes longer time
Solution Approach 1:
The verification code is generated and prepared in advance during the online payment phase, but the actual consumption validation happens instantly during offline transaction by simply submitting this pre-prepared code, thus overlapping the verification process across time and reducing total process time.
Solution Approach 2:
The system merges the online payment verification and offline consumption validation into a single integrated process. The pre-generated verification code bridges both phases, allowing the system to combine the security benefits of online verification with the speed of offline transaction processing.
3Reliability
If a payment password is required for each consumption, then transaction security is maintained, but payment efficiency is reduced
Solution Approach 1:
The system extracts the password verification step from each individual consumption transaction. Instead of requiring password input for every consumption, the initial password authentication establishes a trusted session, and subsequent consumptions within this session use pre-generated verification codes, thus maintaining security while improving efficiency.
Solution Approach 2:
The payment password is verified in advance during account authentication, establishing a secure session. Subsequent consumptions within this session use pre-generated verification codes that don't require re-entering the password, thus maintaining transaction security while significantly improving payment efficiency for multiple consumptions.
Data Source
AI summary
A data interaction method, a verification terminal, a server, and a system are described. The method includes: receiving, by a verification terminal, identity verification information from a user terminal, the identity verification information being information sent to the user terminal by a server in advance; sending, by the verification terminal, a request instruction to the server, the request instruction including the identity verification information; executing, by the server, an operation corresponding to the request instruction; and sending, by the server, feedback information to the verification terminal.