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QR Code for Digital Signature Online/Offline
Payment
James Wu
www.jrsys.com.tw
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“Card Not Present Transaction”
Big Risk of Online Shopping
Trojan, Sniffer, Phishing site e-Commerce site compromised
You may lost
Card Number + Expiration Date + CVV
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On-Line Payment
3.Scan the checkout QR code
4.Select virtual credit card
5.Input PIN code to confirm the payment
Consumer 1.Prepare checkout data 2.Create a Digital Signed Checkout QR code on the screen
Date:2014/10/02
Merchant’s Digital
Signature
Commerce
Credit card
information is
not transmitted
Card Number + Expiration Date + CVV No more Just Scan the Secure QR Code
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Off-Line Payment
Out-of-band authentication
Handwriting
signature
Before
Mobile Payment
Card can be Cloned
Merchant scan the QR
Sign a Credit
card Check
More Secure and Fast than
Magnetic Credit Card Swipe Payment
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1.Select Virtual credit card
2.Enter the amount
3.Input PIN to make a digital signature
and Generate a QR code
4.Scan the QR code
5.Make a Digital Signature
6.Connect to Payment Gateway
Date:2014/10/02
Consumer’s
Digital Signature
Consumer
Commerce
Commerce cannot clone
any card !
Offline Payment Process
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Secure Tokenization Payment
No credit card number store in
the e-Wallet
3rd party cannot get consumer’s
Credit Card Data
All transaction is confirmed by
digital signatures
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How do we protect “Card not present Transaction” ?
• Issue certificate to the register’s e-Wallet
• User input the then encrypted it immediately and send to backend server
• User can decide if he want to encrypted his CVV by his public key so no need to input the CVV for each transaction
• Support both hardware/software Secure Element
Card Number + Expiration Date
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System Architecture
Jrsys provides:
Mobile QR iOS/Android Client SDK
Backend Authentication Servers
Jrsys Payment Authentication Servers
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QR code for Logistic
• Shipping QR code contains Product codes, Quantities, Date, Time and Manufacture's Digital Signature
• User can scan and verify it immediately
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Digital Signed Hard Copy Document User can scan and verify it immediately
Before
Now
Handwriting Signature
Digital Signed PDF
Party A’s
Digital
Signature
Party B’s
Digital
Signature
PDF417
Original
Document
with Digest
Digital signed QR
code Invoice
Digital signed
PDF 417 License
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Why FoxitSign is different ?
FoxitCloud
jrsys Mobile RA
WebTrust CA
Mobile Signature and Validation
Service
PDF or Hard copy
Both parties scan it and
Make their digital
Signatures by Mobile Party A’s
Digital
Signature
Party B’s
Digital
Signature
Original Document
PDF417 Digital
Signed Document
Final PDF can keep in the
FoxitCloud or print it out
Both parties will receive the digital
signed confirmation receipt after
they finish their digital signatures
Besides of online
Document Exchange
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Patented QR Code Payment
• Digital Signature QR code – Not only an URL/ OTP short code
– But also the transaction with digital signature
• Easy to deploy and use
• No additional hardware cost
– Authentication, Integrity, Confidentiality and Non-repudiation secure transaction
Date:2014/10/02
Digital Signature
Patented O2O
Payment technology
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The Differences
Traditional Payment &
QR code Payment
jrsys
QR code Payment
Data URL or a short OTP code Digital Signed Transaction
data and OTP
Authentication Weak Strong
Authorization Weak Strong
Encryption Weak Strong
Non-repudiation No Yes
Credit Card Data Merchant can get Credit
Card data
Encrypted & Merchant
cannot get it
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Secure Mobile Devices
Bluetooth Reader
World First
iOS/Android/PC
Token
e-Ink Master
OTP card
Audio Reader
Audio Token
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• Platform: PC/Android/iOS
• Secure MicroSD inside
PC USB
iOS 8-Pin
Lightning
Connector
World First iOS/Android/PC Token
Android
Mini USB
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Easy & Fast PKI-enable Solutions
• PKI-enabled in 3 Days Not 3 Months
• Cross Platform
• Various Devices
• Mobile Signature & Validation Service
ActiveX Firefox Plug-In Chrome Plug-In
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Security Suits for PC
Jrsys PC Security Suite
ActiveX Firefox Plug-In Chrome Plug-In
Multiple Tokens
Software PFX Smart Card USB Token HSM
Software Applications Applications
Jrsys
Middleware
Secure
Devices
can
work with
and many
Web Authentication with SE
2014 Taiwan ITM
Best product
Winner Award
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Security Suits for Mobile
Applications
Jrsys
Middleware
Secure
Mobile
Devices
can
work with
and many
Mobile Authentication with SE
Secure Mobile APP
Mobile Signature
One Time Password
Secure PDF
Mobile Money
Secure e-Mail
jrsys Mobile Security Suite
Android SDK iOS SDK
Multiple Mobile Tokens
Software
PFX
HCE
Secure
MicroSD
Smart Cards
Bluetooth
reader PC/iOS/Android
Token
2014 Taiwan ITM
Best product
Winner Award
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WebTrust® RA
Issue WebTrust ® certificates to Mobile & PC
Secure MicroSD
iOS/PC /Android Token
Bluetooth
Reader
Jrsys Secure Mobile/PC Tokens
Software PFX
HCE
Smart Cards USB
PC/SC reader
USB PKI
Token
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Cloud Validation
Single Sign On
PKI APIs
All in One Authentication Service: ID/Password, OTP, Smart Card, Mobile Tokens and Micro SD.
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MDIRKMS Military Digital ID Repository Key
Management Service
Secret Communication System
Internet
Portal
Secure Login
Secure SIP Server
Secure Phone
Secure IM
Secure e-Mail
Secure PDF
Secure
Mobile
soldier
MDIA Military Digital ID
Authority
MDIRS Military Digital ID
Registration Service
MDRS Military Distributed
Registration Service
Secure SMS Server
MDIDS Military Digital ID Directory Service
MSVS Mobile Signature & Validation Service
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2012 ASIA PKI
Innovation Award
2012 Mobile Money
Innovation Award
APICTA Award 2013 Security Winner
One of the 7 innovative ideas from 98 best ideas of 26 countries
BY: MIF, IDB, CAF and GSMA
2014 Taiwan ITM
Best 100 products
Winner Award
jrsys
Worldwide Awards
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Partner with Foxit
27,500 Millions
PDF users
use jrsys security Suite
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Gained 2 U.S.
Mobile Security Patents
Mobile Security Patents