Wireless Payment Terminal Multi-Server Routing
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Solution Overview
Problem
Existing wireless communication devices and payment systems face challenges in handling multiple payment options, leading to increased processing burdens on the store side and complex responsibility demarcation between service providers and electronic money providers.
Innovation Solution
A wireless communication device with a communication unit and control unit that encrypts channels using digital certificates, allowing it to receive and transmit payment information and determine the appropriate payment server, thereby reducing processing burdens and simplifying responsibility demarcation by enabling secure and efficient multi-payment processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If a portable terminal functions only as a relay for information communication, then the processing burden on the store side is reduced, but the portable terminal cannot handle multiple payment options
Solution Approach 1:
The portable terminal is designed to perform multiple functions: it acts as a relay for communication between the offline terminal and electronic money server, while also determining payment types and selecting appropriate payment servers. This multi-functionality enables the terminal to handle various payment options (credit card, debit card, electronic money) without increasing the store side's processing burden, as all payment logic is centralized in the portable terminal.
Solution Approach 2:
The portable terminal serves as an intermediary that mediates between the offline terminal and multiple payment servers. It receives payment information from the offline terminal, determines the appropriate payment type, selects the corresponding payment server, and relays the communication accordingly. This intermediary role allows the store side to maintain simple processing while the portable terminal handles payment diversity.
2Adaptability or versatility
If the portable terminal handles multiple payment types, then adaptability is improved, but the processing burden on the store side increases
Solution Approach 1:
The payment processing logic is extracted from the store side and relocated to the portable terminal. The portable terminal independently determines payment types, selects payment servers, and manages communication with electronic money servers. This extraction removes the processing burden from the store side while maintaining multi-payment capability, as the portable terminal handles all payment-related decisions locally.
Solution Approach 2:
The payment processing function is segmented into distinct modules within the portable terminal: payment type determination module, payment server selection module, and communication relay module. This segmentation allows the portable terminal to handle multiple payment types independently without affecting the store side's processing simplicity, as each payment type is handled through separate, well-defined processes.
3Reliability
If encryption processing is performed on wireless communication channels, then security is improved, but processing time increases
Solution Approach 1:
The portable terminal performs encryption processing in advance before payment information is transmitted to the offline terminal. By establishing secure communication channels beforehand and using pre-shared encryption keys, the system ensures security without adding significant processing time during the actual payment transaction, as the encryption infrastructure is already in place.
Data Source
AI summary
There is provided a wireless communication device that includes a communication unit that performs wireless communication with a connection device, and a control unit that encrypts a wireless communication channel with the connection device on the basis of a digital certificate issued by a certificate authority server. The communication unit receives payment information and a valid type of payment from the connection device via the encrypted wireless communication channel. The control unit determines a payment server on the basis of the valid type of payment and causes the communication unit to transmit a payment request based on the payment information to the payment server.