Shopping Agent Payment Security via Code Reader Authorization
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Solution Overview
Problem
Existing shopping agent systems lack security when a third party, not an acquaintance, is requested for shopping, as there is a risk of unintended purchases being made using the client's payment information.
Innovation Solution
A service providing system that includes an agent instruction unit to transmit purchase instructions to an agent's terminal, a payment result acquisition unit to acquire payment results using business operator payment information, and a payment processing unit to process payments from the client to the business operator upon product receipt, ensuring secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If the client's payment information is directly used by the agent for shopping, then the shopping process is convenient and fast, but the security risk increases as unintended purchases may be made
Solution Approach 1:
The patent introduces a code reader as an intermediary device between the agent's terminal and the client's payment information. The code reader scans a code displayed on the agent's terminal to obtain authorization information, which then enables the payment process. This intermediary mechanism ensures that the agent can only use the client's payment information after proper authorization, resolving the contradiction between shopping efficiency and payment security.
2Adaptability or versatility
If the client requests a third party (not an acquaintance) as shopping agent, then the service versatility increases, but the security risk increases due to lack of trust relationship
Solution Approach 1:
The patent implements preliminary authorization action through code scanning before the actual shopping transaction. The client must scan the code displayed on the agent's terminal using their code reader, which pre-authorizes the transaction. This preliminary action establishes a secure trust relationship even between clients and third-party agents, enabling versatile agent selection while maintaining transaction security.
3Ease of operation
If the agent has direct access to payment information, then the shopping process is simplified, but the risk of unauthorized purchases increases
Solution Approach 1:
The code reader serves as an intermediary that bridges the simplicity of direct payment access with the security of authorization verification. Instead of directly accessing payment information, the agent uses the code reader to scan the code on their terminal, which mediates the authorization process. This maintains operational simplicity while eliminating unauthorized purchase risks.
Data Source
AI summary
A service processing system according to an aspect of the present disclosure includes: at least one memory configured to store instructions; and at least one processor configured to execute the instructions to: transmit, to a terminal of an agent, a purchase instruction of a product specified by a client; acquire a payment result related to the product purchased by the agent using payment information of a business operator; and process, when receiving a notice of receipt of the product from a terminal of the client, payment with payment information of the client from the client to the business operator based on the payment result.