Electronic Wallet Key Pair Re-encryption for Transaction Authentication

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Solution Overview

Problem

Data flow loop problems occur when two parties share data via an untrusted intermediary, leading to increased transaction processing time and operational overhead in user authentication for electronic wallet transactions.

Innovation Solution

A computer-implemented method and system that generates an electronic wallet key pair and a public re-encryption key based on a payment gateway public key, allowing for the re-encryption of encrypted transaction data without decrypting it, thereby authenticating the user and reducing communication overhead.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the electronic wallet transaction processing system sends data to the payment gateway via a merchant system, then user authentication can be performed, but transaction processing time increases

Engineering Contradiction:

Improveuser authenticationVSAvoidtransaction processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent extracts the authentication data from the traditional multi-party communication flow and processes it directly between the electronic wallet transaction processing system and the payment gateway system. This removes the unnecessary intermediary steps involving the merchant system, thereby reducing transaction processing time while maintaining authentication reliability

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The system performs preliminary actions by pre-establishing secure communication channels and pre-processing authentication data structures. This allows the authentication process to proceed more efficiently without requiring extensive real-time communication and data transformation during the actual transaction

Inventive Principle:

Principle #10Preliminary action

2Reliability

If the electronic wallet transaction processing system uses traditional authentication methods, then user credentials can be verified, but operational overhead increases

Engineering Contradiction:

Improveuser authenticationVSAvoidoperational overhead

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the essential authentication function from the complex traditional workflow and implements a streamlined process that directly verifies user credentials through encrypted data exchange. This eliminates redundant operational steps and reduces the complexity of the authentication process while maintaining security

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The system implements self-service authentication mechanisms where the electronic wallet transaction processing system autonomously handles credential verification using stored cryptographic keys and encrypted data. This reduces operational overhead by minimizing the need for manual intervention and complex intermediary processing

Inventive Principle:

Principle #25Self-service

3Loss of information

If the system communicates extensively between the electronic wallet transaction processing system and the payment gateway, then data can be exchanged, but transaction processing time increases

Engineering Contradiction:

Improvedata exchangeVSAvoidtransaction processing time

Core Design Contradiction:

Loss of informationVSLoss of time

Solution Approach 1:

The system performs preliminary data preparation and encryption before communication occurs. Authentication data is pre-formatted and encrypted using stored cryptographic keys, allowing for efficient single-step communication with the payment gateway without requiring multiple back-and-forth data exchange iterations

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent extracts only the essential authentication data needed for verification and transmits it directly to the payment gateway. This eliminates unnecessary data transmission and processing steps, reducing communication overhead and transaction processing time while ensuring complete authentication information is exchanged

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS12321926B2System, method, and computer program product for authenticating a user for a transaction

Publication Date: 2025.06.03 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

A system, method, and computer program product for authenticating a user for a transaction; generate an electronic wallet key pair including an electronic wallet public key and a corresponding electronic wallet secret key, the electronic wallet key pair associated with an electronic wallet transaction processing system; receive a payment gateway public key corresponding to a payment gateway secret key, the payment gateway public key and the payment gateway secret key associated with a payment gateway system; generate a public re-encryption key based on the payment gateway public key; communicate, to the payment gateway system, the public re-encryption key; receive or determine encrypted transaction data associated with a transaction, the encrypted transaction data including an account identifier encrypted with the electronic wallet public key; re-encrypt the encrypted transaction data with the public re-encryption key; and communicate, to the payment gateway system, the re-encrypted transaction data.