Virtual Code Payment System for Offline Intranet Transactions
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Solution Overview
Problem
Existing payment systems face issues with card number security, as real card numbers are exposed during transmission and virtual tokens are unreliable without internet connectivity, especially in situations where only wireless communication is available.
Innovation Solution
A system and method for payment based on a store's intranet that generates a virtual code matched to a real card number, allowing secure payment without exposing the real card number, even when the user is blocked from the internet, using a virtual code generation function stored in the user client or device, which can search for the real card number on a financial institution server or virtual token verification server.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If real card number is transmitted to POS device for payment, then payment function is achieved, but card number security is compromised due to visual exposure and hacking risks
Solution Approach 1:
The patent uses virtual codes as copies of real card numbers. Instead of transmitting the actual card number, a virtual code is generated and transmitted to the POS device. This virtual code serves as a functional copy that enables payment without exposing the sensitive real card number, thereby maintaining security while preserving payment functionality.
Solution Approach 2:
The patent introduces a virtual code as an intermediary between the user and the payment system. The virtual code acts as a mediator that replaces the direct transmission of real card numbers. It enables the payment process to proceed without the real card number being exposed, thus protecting security while maintaining ease of operation.
2Reliability
If virtual token is used for payment, then real card number is protected, but payment cannot proceed without internet connectivity to communicate with virtual token service server
Solution Approach 1:
The patent performs preliminary actions by generating and storing virtual codes locally in the terminal device before payment is needed. This allows the virtual code to be readily available without requiring real-time communication with external servers during the payment process, enabling payments even without internet connectivity.
Solution Approach 2:
The terminal device generates and manages virtual codes autonomously without requiring continuous communication with a virtual token service server. The device serves itself by maintaining the capability to generate virtual codes locally, thus enabling payment functionality independent of external server availability.
3Adaptability or versatility
If virtual code is generated and stored in user client, then payment can proceed without internet connectivity, but system complexity increases due to local code generation capability
Solution Approach 1:
The user client is designed with multi-functionality, combining both the ability to generate virtual codes locally and to process payments. By integrating these functions into a single universal platform, the system avoids the need for separate dedicated devices, thus managing complexity while enhancing adaptability for offline payments.
Data Source
AI summary
A system for payment based on a store's intranet, a mobile terminal including a payment function based on a store's intranet, a method for providing a payment service based on a store's intranet, and a program for performing the same are provided. The method includes providing, by a store client, a payment page in a store depending on a request of a user client, receiving, by the store client, a virtual code and order information which are input to the payment page, and transmitting, by the store client, the virtual code and the order information to a payment service server over the Internet.