Admixed Transaction Authorization for Mobile Commerce
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current mobile commerce systems require multiple manual steps for transactions, involving communication between mobile devices and point-of-sale terminals, which can be cumbersome and inefficient.
Innovation Solution
A method for performing admixed transactions using a mobile device that connects with another mobile device to receive account authorizations, creating a combined authorization for a single transaction, which is then transferred to a merchant for processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If multiple mobile devices perform separate transactions individually, then each device can maintain its own account authorization, but the transaction process becomes cumbersome and inefficient requiring multiple manual steps
Solution Approach 1:
The patent combines multiple separate transaction authorizations into a single admixed authorization that aggregates purchase amounts from multiple mobile devices. This merging eliminates the need for individual transaction processing for each device, reducing manual steps and processing time while maintaining security through centralized authorization management.
2Productivity
If multiple devices connect to share account authorization, then transaction efficiency improves through combined authorization, but device complexity increases due to connection and authorization management requirements
Solution Approach 1:
The patent introduces an intermediary authorization management system that handles the complexity of connecting multiple devices and managing their account authorizations. This intermediary layer aggregates purchase amounts and coordinates authorization requests, allowing devices to participate in combined transactions without each device needing to manage the full complexity of multi-device authorization protocols.
3Loss of time
If a single transaction is initiated for multiple devices, then the number of transactions processed decreases improving efficiency, but the authorization system must handle complex admixed authorizations combining multiple account authorizations
Solution Approach 1:
The patent segments the admixed authorization into individual account authorization components, each corresponding to a specific mobile device and account. This segmentation allows the system to process a single aggregated transaction while maintaining clear tracking and management of each contributing device's authorization, simplifying the overall authorization structure despite combining multiple devices.
Data Source
AI summary
A mobile device performs admixed transactions at a merchant. The mobile device receives a purchase amount. The mobile device connects to at least one other mobile device. Responsive to connecting to the at least one other mobile device, the mobile device receives account authorization for at least one other purchase amount. Responsive to receiving the account authorization from the at least one other device, the mobile device creates an admixed authorization. The admixed authorization comprises individual account authorizations for users of the mobile device and the at least one other mobile device. The mobile device initiates a single transaction at a merchant. The mobile device transfers the admixed authorization to the merchant. Each of the individual account authorizations are applied to the single transaction based on the purchase amount and the at least one other purchase amount authorized in the individual account authorizations.