Web Client API for Secure Chip Card Data Handling
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Solution Overview
Problem
E-commerce transactions are vulnerable to fraud and insecure due to manual entry of credit card data, and existing solutions require costly and complex point-of-sale devices for secure chip card transactions, with intermediary third-party services limiting merchant and bank interactions.
Innovation Solution
Implementing web-based APIs on consumer devices that integrate chip card readers, allowing direct interaction between merchants, banks, and chip cards through secure enclaves for end-to-end secure communication, eliminating the need for third-party intermediaries and enabling secure chip-verified transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual entry of credit card data is used for e-commerce transactions, then user convenience is improved, but security and fraud risk worsen
Solution Approach 1:
The patent replaces the mechanical manual entry process with an automated chip card reading system. The chip card reader automatically captures and transmits card data through secure communication protocols, eliminating the need for manual typing while maintaining security through cryptographic verification of the chip data.
2Reliability
If point-of-sale devices are used for secure chip card transactions, then security is improved, but device complexity and cost worsen
Solution Approach 1:
The patent makes the chip card reader universal by integrating it into common consumer devices such as smartphones, tablets, and computers. The reader uses standard communication interfaces (USB, NFC, Bluetooth) that are already present in these devices, allowing the same secure chip reading capability to be used across multiple device types without requiring specialized hardware.
Solution Approach 2:
The patent combines the chip card reading functionality with existing consumer devices. Rather than requiring a separate dedicated POS terminal, the chip reader is merged with devices users already possess, integrating security functionality into the consumer device's existing hardware and software ecosystem.
3Ease of operation
If third-party intermediary services are used for chip card transactions, then transaction processing is simplified, but control over user experience and security worsens
Solution Approach 1:
The patent extracts the intermediary layer from the transaction system. By enabling direct communication between the chip card reader, merchant system, and payment processor through standardized APIs and protocols, the system eliminates the need for third-party intermediaries that previously sat between these components, allowing merchants and banks to interact directly.
4Reliability
If proprietary secure transaction systems are implemented, then security is improved, but ease of manufacture and widespread implementation worsen
Solution Approach 1:
The patent segments the secure transaction system into independent, standardized components: the chip card reader hardware, the communication interface layer, and the processing software. Each component can be manufactured and implemented separately using standard technologies, allowing widespread adoption without requiring a complete proprietary system implementation.
Data Source
AI summary
Methods, apparatus, systems and articles of manufacture to securely handle chip card data are disclosed. An example method includes providing, by executing an instruction with a first processor of a client device, an application programming interface (API) in a web client of the client device, in response to detecting, in the web client at the client device, a query from a server for card data, operating, by executing an instruction with the first processor of the client device, the API in the web client at the client device to obtain the card data stored on a chip of a chip card communicatively coupled to the client device, and sending, by executing an instruction with the first processor of the client device, the card data to the server.