Locally Broadcasted URLs for Proximity Payment Transactions
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Solution Overview
Problem
Existing payment applications are time-consuming and laborious for users to initiate transactions with nearby parties due to the need for identifier entry, search, and transaction term input, especially in mobile device-based payment processes.
Innovation Solution
A method for generating and transmitting locally broadcasted Uniform Resource Locators (URLs) for checkout and payment processes using mobile devices, allowing users to broadcast payment information within a defined geographic region or through short-range wireless communications, enabling easy discovery and processing of nearby payment transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users enter identifiers and transaction terms manually in payment applications, then payment security and accuracy are improved, but operation time and complexity increase
Solution Approach 1:
The system performs preliminary actions by automatically detecting nearby devices and pre-populating transaction identifiers before the user initiates a payment. The payment application scans for nearby devices using Bluetooth or geo-location services, retrieves device identifiers and user information, and prepares transaction details in advance, eliminating the need for manual entry and reducing transaction time while maintaining security through verified data sources
Solution Approach 2:
The payment system performs self-service by automatically generating transaction identifiers, detecting nearby devices, and initiating payment processes without requiring manual user input for identifier entry. The system autonomously manages device discovery, information retrieval, and transaction setup, allowing users to simply confirm pre-filled transaction details, thus reducing operation time while maintaining accuracy through automated data verification
2Measurement precision
If users search for identifiers in payment applications, then transaction accuracy is improved, but operation complexity and time increase
Solution Approach 1:
The system extracts the identifier search function entirely from the user's manual tasks. Instead of requiring users to search for and enter identifiers, the payment application automatically extracts device identifiers, user information, and transaction details from nearby devices through automated detection protocols, presenting only confirmation options to the user, thereby maintaining transaction accuracy while dramatically simplifying operation
Solution Approach 2:
The payment application acts as an intermediary that automatically mediates between the user and the identifier search process. The system intermediary detects nearby devices, retrieves relevant identifiers and transaction information, and presents pre-configured transaction details to the user for confirmation, eliminating the need for manual searching while ensuring accuracy through automated data verification and user confirmation
3Reliability
If payment applications require identifier entry and search, then transaction security is improved, but user convenience deteriorates
Solution Approach 1:
The system performs preliminary security verification by automatically detecting nearby devices, verifying their identifiers through pre-established security protocols, and confirming user authorization before presenting transaction options. This preliminary action maintains security requirements while eliminating manual identifier entry, as the system pre-validates all transaction participants and presents only verified options to the user
Solution Approach 2:
The payment application performs self-service security verification by automatically managing device authentication, identifier validation, and transaction authorization without requiring manual user input for security-critical information. The system autonomously verifies nearby devices, confirms user intent through simplified confirmation interfaces, and executes transactions, maintaining security through automated verification while maximizing user convenience through minimal interaction requirements
Data Source
AI summary
There are provided systems and methods for generation of locally broadcasted uniform resource locators for checkout and payment. A user or entity controlling a device may wish to establish a checkout and payment processes that allows payments to the user or device entity. The user or entity may cause generation of a broadcast that may contain information to retrieve the checkout and payment process. For example, the broadcast may contain a URL that unique identifiers the user or entity and the checkout and payment process for the payment requested by the user or entity. The broadcast may further include information, such as a description, amount, and a type of checkout and payment process. The URL may cause a device receiving the URL to load the checkout and payment process. The broadcast may be limited in range to a defined region through short range communications or geo-locations.