Audible Payment Messaging With Voice Confirmation for Chatbots
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Solution Overview
Problem
Existing chatbots lack the capability to initiate payment transactions within messaging applications, limiting their functionality and usability.
Innovation Solution
Implementing a system that uses natural language processing to detect payment transaction requests in human-readable or computer-readable messages, enabling seamless integration with third-party payment applications for automated, real-time peer-to-peer payments through a chatbot interface.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If chatbots are integrated into messaging applications for basic conversations, then user engagement is improved, but payment transaction capability is lost
Solution Approach 1:
The chatbot is designed to perform multiple functions beyond basic conversations, including initiating payment transactions, processing payments, and interacting with third-party payment applications. This multi-functionality allows the same chatbot interface to handle both social communication and financial transactions, resolving the contradiction between user engagement and payment capability.
Solution Approach 2:
The system introduces a third-party payment application as an intermediary between the messaging application and the payment processing system. This intermediary enables the chatbot to initiate and process payments through standardized payment protocols while maintaining seamless integration within the messaging platform, thus preserving user engagement while adding payment functionality.
2Ease of manufacture
If traditional APIs are used for payment processing, then payment security is maintained, but implementation complexity increases
Solution Approach 1:
The patent merges the payment processing functionality directly into the messaging application's chatbot infrastructure. By combining the chatbot's message handling capabilities with payment processing logic, the system eliminates the need for separate, complex API integrations while maintaining security through the existing messaging platform's authentication and encryption mechanisms.
Solution Approach 2:
The chatbot is equipped with built-in payment processing capabilities that allow it to autonomously initiate, process, and manage payment transactions without requiring external API calls. The system uses its own internal resources and protocols to handle payments, simplifying implementation while maintaining security through the platform's existing security frameworks.
3Ease of operation
If chatbots process payments directly, then user experience is improved, but system security risks increase
Solution Approach 1:
The system employs a third-party payment application as a security intermediary that handles sensitive payment processing operations. This intermediary layer ensures that the chatbot does not directly manage payment credentials or financial data, reducing security risks while maintaining seamless user experience through automated payment initiation and processing.
Solution Approach 2:
The system implements continuous feedback mechanisms where the chatbot receives real-time responses from the payment processing system about transaction status, authorization results, and potential security issues. This feedback loop allows the chatbot to adapt its behavior dynamically, ensuring secure payment processing while providing users with transparent status information and control over their transactions.
Data Source
AI summary
In one embodiment, a method includes receiving, at a payment-service-system server, a payment request from a voice-recognition server. The payment request includes a sender identifier, a recipient identifier, and an amount and is received by the payment-service-system server responsive to the voice-recognition server identifying one or more audible payment keywords in an encoded audio file received from a user computing device. The method includes transmitting, by the payment-service-system server, a confirmation request to the user computing device to confirm the payment request. The method includes receiving, at the payment-service-system server, a confirmation of the payment request from the user computing device. The method includes, upon receiving the confirmation of the payment request, automatically debiting the amount from a sender account associated with the sender identifier and crediting the amount to a recipient account associated with the recipient identifier.