Booking Payment Authentication With Virtual Cards for Delayed Charges

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Solution Overview

Problem

Conventional booking management systems face issues with the validation of payment card information, lack of authentication before transactions, and the technical burden on third-party services due to varying authentication requirements, especially in delayed transactions, which can lead to inefficiencies and risks.

Innovation Solution

A booking management system that stores user payment card information and authentication data, performs necessary authentications, and generates virtual cards for delayed transactions, reducing the need for third-party services to handle these processes.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the online travel agency collects user payment card information and performs authentication before booking, then transaction security is improved, but device complexity and operational burden increase

Engineering Contradiction:

Improvetransaction securityVSAvoidauthentication processing complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system performs payment card authentication and validation in advance during the booking process, storing the authenticated card information for future use. This preliminary action ensures transaction security is established before the actual transaction occurs, eliminating the need for repeated authentication during delayed transactions.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The online travel agency acts as an intermediary between users and third-party services, centralizing the authentication process. The agency collects, validates, and stores payment card information, then provides this pre-authenticated information to third-party services, reducing their authentication burden while maintaining security.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If the online travel agency stores user payment card information for delayed transactions, then transaction efficiency is improved, but information security risks increase

Engineering Contradiction:

Improvetransaction efficiencyVSAvoiddata security risks

Core Design Contradiction:

ProductivityVSObject-affected harmful factors

Solution Approach 1:

Payment card information is collected, validated, and stored during the initial booking process rather than at the time of each transaction. This preliminary storage action enables efficient delayed transactions without requiring re-authentication, while security measures are implemented during the initial data collection phase.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system automatically manages the storage, security, and retrieval of payment card information without requiring user intervention for each transaction. The pre-stored authenticated card data enables automated processing of delayed transactions, improving efficiency while maintaining security through centralized control.

Inventive Principle:

Principle #25Self-service

3Adaptability or versatility

If third-party services must handle authentication processes themselves, then service independence is maintained, but operational complexity and time consumption increase

Engineering Contradiction:

Improveservice independenceVSAvoidauthentication processing time

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The online travel agency serves as a mediator that handles authentication processes centrally. Third-party services receive pre-authenticated payment card information from the agency, eliminating the need for them to perform their own authentication while maintaining their service independence and flexibility.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

Authentication is performed in advance by the online travel agency during booking, and the authenticated payment information is stored for future use. This preliminary authentication action eliminates the time-consuming authentication step for delayed transactions, reducing processing time while maintaining service independence.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12530633B2Booking management system

Publication Date: 2026.01.20 EXPEDIA INC

AI summary

Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for payment following chargeable events. The third-party services may later initiate a transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.