Authorization Flow Mediation for Multi-Option Checkout Approval
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Solution Overview
Problem
Existing authorization systems require integration into merchant websites, which is cumbersome, insecure, and costly, and often fail to provide effective incentives to customers during transactions.
Innovation Solution
An authorization flow management system that provides multiple interaction paths to users during transactions without integrating with merchant systems, allowing options like rewards points or equal payment plans, using a popup window for selection and authentication via separate channels.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If the authorization system integrates with merchant websites to provide multiple authorization options, then the customer can select preferred interaction paths during transactions, but the implementation becomes cumbersome, burdensome, insecure, and costly
Solution Approach 1:
The patent introduces an intermediary authorization system that operates independently from merchant websites. This intermediary system provides multiple authorization options through a separate interface, eliminating the need for direct integration with merchant systems while still enabling customers to select preferred interaction paths during transactions.
Solution Approach 2:
The authorization process is segmented into separate functional components: the merchant website handles commerce operations, the authorization system handles authentication and option presentation, and the customer interface handles user interaction. This segmentation allows each component to function independently, reducing integration complexity while maintaining versatility.
2Productivity
If the authorization system provides multiple interaction paths during transactions, then customer loyalty and interaction are enhanced, but the system requires integration into merchant websites which increases cost and complexity
Solution Approach 1:
The authorization system serves as an intermediary between the customer and the merchant website, providing multiple interaction paths without requiring modification of the merchant's system. This mediator approach enables enhanced transaction efficiency while avoiding the complexity of system integration.
3Adaptability or versatility
If the authorization system solicits customers after transactions occur, then the system can offer incentive programs, but the customer must initiate a new interaction which reduces effectiveness
Solution Approach 1:
The authorization system presents incentive programs and interaction path options during the initial authorization process, before the transaction is completed. This preliminary action ensures that customers are offered incentives at the most effective moment, eliminating the need for subsequent interactions and reducing time loss.
Data Source
AI summary
An authorization flow management system provides multiple authorization options to a user when conducting an authorization event. The system provides options to a user during an authorization event to select a preferred interaction path without integrating the process into a merchant system. The system receives a request from a merchant computing device to authorize an interaction with a user and provides instructions to a user computing device to open a window on a user interface to receive a security code and to display options to select from one of at least two interaction paths, such as paying with rewards points or with an equal payment plan. When the user communicates a response to the opened window that selects one of the interaction paths and the communicated code, the system conducts the interaction utilizing the selected interaction path and communicates an authorization for the interaction to the merchant computing device.