Wearable Payment Certificate Binding for Offline Transactions
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Solution Overview
Problem
Wearable devices often fail to execute electronic payments due to poor connections between the device and a terminal or server, leading to payment code failures.
Innovation Solution
A method and apparatus that enable a wearable device to store a device certificate generated by a server, allowing it to perform payments independently without real-time connection to a terminal or server, using transaction certificates to facilitate offline transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the wearable device relies on real-time connection to terminal or server for payment operations, then the payment security and account verification are improved, but the payment reliability deteriorates when connection is poor or unavailable
Solution Approach 1:
The wearable device performs preliminary actions by storing device certificate information and user account information locally before payment operations. This allows the device to generate payment codes independently without requiring real-time connection to terminal or server, thereby improving payment reliability while maintaining security through pre-established cryptographic credentials
Solution Approach 2:
The patent introduces device certificate information as an intermediary element that mediates between the wearable device and the payment system. This certificate serves as a trusted credential that enables the device to authenticate itself and perform payment operations without direct connection to the server, resolving the contradiction between connection requirement and payment reliability
2Adaptability or versatility
If the wearable device stores device certificate information locally, then the payment operation independence is improved, but the device security risk increases
Solution Approach 1:
The patent changes the state of sensitive information from plaintext to encrypted form by storing device certificate information in an encrypted manner. This transformation allows the device to maintain independence in payment operations while mitigating security risks, as the encrypted data cannot be misused even if accessed unauthorizedly
Solution Approach 2:
Instead of storing the actual private keys or sensitive authentication data, the system stores encrypted copies or derived credentials (device certificate information) that can be used for authentication. This copying approach enables payment independence while reducing security risks by not exposing the original sensitive materials
3Productivity
If the system requires real-time server communication for payment verification, then the account verification accuracy is improved, but the payment processing time increases when network performance is poor
Solution Approach 1:
The system performs preliminary authentication by storing verified device certificate information and user account bindings in advance. During payment operations, the wearable device can independently generate and present payment codes based on this pre-verified information, enabling fast payment processing while maintaining verification accuracy through the previously established cryptographic credentials
Solution Approach 2:
The patent extracts the essential verification functionality from the server-dependent process and embeds it in the wearable device through stored device certificate information. This extraction allows the device to perform verification locally without real-time server communication, improving processing speed while maintaining accuracy through the embedded cryptographic verification capabilities
Data Source
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AI summary
Apparatus and methods for binding a wearable device for use with the wearable device, a terminal, and a server are presented. The method executed by the wearable device includes providing device information to the terminal, receiving a device certificate from the server, and storing the device certificate for performing payment using the corresponding user account. The method executed by the server includes receiving a binding request from the wearable device via the terminal, generating a device certificate of the wearable device based on the device identification, and providing the device certificate to the wearable device. The method executed by the payee device includes acquiring a transaction certificate of a wearable device and sending a payment collection request to a server including the transaction certificate of the wearable device and payment sum information.