Authorization Management Server for Secure Overseas E-Commerce

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Solution Overview

Problem

Individuals face challenges in making e-commerce transactions while overseas due to limitations in payment vehicle settings, leading to either inability to make payments or exposure to fraudulent transactions, as overseas transaction enablement is often forgotten or requires telecommunications access.

Innovation Solution

An authorisation management server generates a temporary transaction authorisation code based on travel booking details, enabling e-commerce transactions by setting and disabling the code according to travel segment commencement and completion, ensuring secure and accessible payments abroad.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If overseas transactions are enabled on the payment vehicle, then the user can make e-commerce transactions while overseas, but the payment vehicle becomes exposed to fraudulent transactions when the user is in their home country

Engineering Contradiction:

Improveoverseas transaction capabilityVSAvoidfraud risk

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The system performs preliminary actions by detecting travel booking information in advance and automatically enabling overseas transactions only during the travel period. The server monitors booking systems, identifies travel segments, and proactively activates payment vehicle functionality before the user departs, ensuring overseas capability is available when needed while automatically disabling it upon return to eliminate fraud risk.

Inventive Principle:

Principle #10Preliminary action

2Adaptability or versatility

If the user manually enables overseas transactions, then the payment vehicle can be used overseas, but the user may forget to enable or disable the feature

Engineering Contradiction:

Improveoverseas transaction capabilityVSAvoidtransaction authorization reliability

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The system implements self-service by automatically managing overseas transaction authorization without requiring user intervention. The server autonomously detects travel bookings, determines travel segments, and controls payment vehicle enablement based on travel status. This eliminates the need for users to manually enable or disable features, ensuring reliable authorization management that adapts automatically to travel circumstances.

Inventive Principle:

Principle #25Self-service

3Adaptability or versatility

If the user enables overseas transactions through telecommunications services, then overseas capability is provided, but the user requires access to telecommunications services which may require prepayment

Engineering Contradiction:

Improveoverseas transaction capabilityVSAvoidactivation convenience

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The system introduces an intermediary automated server that mediates between the user's travel bookings and payment vehicle authorization. Instead of requiring direct user interaction with telecommunications services, the server acts as an intermediary that automatically detects travel information from booking systems and manages payment vehicle enablement, eliminating the need for users to access telecommunications services or make prepayments.

Inventive Principle:

Principle #24Intermediary (Mediator)

4Reliability

If a temporary authorisation code is generated based on travel booking, then secure automated management is achieved, but the system complexity increases

Engineering Contradiction:

Improvefraud protectionVSAvoidauthorisation management system complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system merges multiple functions into a unified authorization management approach. The temporary authorization code integrates travel segment detection, automated enablement/disablement control, and fraud protection into a single mechanism. By combining these functions rather than implementing them as separate systems, the solution achieves reliable fraud protection while managing complexity through functional integration.

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS10909543B2Authorisation management server for managing an authorisation code, related computer process and device network

Publication Date: 2021.02.02 MASTERCARD INT INC

AI summary

Disclosed is an authorisation management server for managing temporary transaction authorisation credentials. A processor of the server is operative with program instructions to (i) receive a temporary authorisation code initiator from a bookings system, the temporary authorisation code initiator indicating that a user of a payment vehicle has made a booking relating to overseas travel and identifying at least one of the user and the payment vehicle. The processor is further operative with the program instructions to (ii) acquire, from the bookings system, travel booking details for the booking, the travel booking details specifying, at least first unique identifier associated with the payment vehicle user, and a first travel segment associated with the unique identifier, (iii) acquire, from the bookings system, confirmation that the travel segment has commenced, and (iv) set the first unique identifier as an authorisation code for authorising e-commerce transactions using the payment vehicle.