Conversational Bill Payment Interface With Masked Account Matching
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Solution Overview
Problem
Existing online bill paying services require consumers to enter sensitive payment information, which exposes them to data breaches and unauthorized access, and updating payment information across multiple providers is time-consuming and insecure.
Innovation Solution
A conversational chat service that allows users to make payments without entering full account numbers, using a single interface to interact with various billing providers, integrating peer-to-peer payment services, and employing biometric authentication for secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If consumers enter full account numbers and sensitive payment information in online bill paying services, then the payment process can be completed, but the risk of data breaches and unauthorized access increases
Solution Approach 1:
The patent extracts and removes sensitive payment information (full account numbers, routing numbers) from the chat interface. Instead of requiring users to input complete sensitive data, the system only captures minimal necessary information (last 4 digits) while retrieving full account details securely from the user's bank account through automated processes, thereby eliminating the security vulnerability of transmitting sensitive data through unencrypted chat channels
Solution Approach 2:
The patent introduces an intermediary layer (the payment processing system) that mediates between the user and the billing provider. This intermediary securely stores sensitive information and uses tokenization to replace sensitive data with non-sensitive tokens during transmission, preventing direct exposure of sensitive information while maintaining payment functionality
2Reliability
If consumers update payment information across multiple billing providers, then the payment information remains current, but the time and effort required increases significantly
Solution Approach 1:
The patent creates a universal payment management system that works across multiple billing providers through a single chat interface. The system integrates with multiple billing providers and enables users to manage all their payment information centrally, allowing one update to propagate across multiple providers rather than requiring separate updates for each provider
Solution Approach 2:
The patent performs preliminary actions by automatically retrieving and storing payment information from the user's bank account before billing cycles begin. The system proactively monitors for billing events and pre-prepares payment information, eliminating the need for manual updates by users and ensuring payment information is current without user intervention
3Adaptability or versatility
If traditional online bill paying services are used, then payments can be made to multiple providers, but the process requires visiting multiple websites and entering information repeatedly
Solution Approach 1:
The patent merges multiple payment provider interfaces into a single unified chat interface. Instead of requiring users to visit separate websites for different billing providers, the system consolidates all payment functionalities into one conversational interface, allowing users to manage payments to multiple providers through a single unified interaction point
Solution Approach 2:
The patent enables self-service through automated chatbot interactions that guide users through payment processes without requiring manual navigation of complex websites. The system automatically retrieves account information, validates payment details, and processes transactions based on simple user commands, eliminating the need for users to manually fill out multiple forms across different providers
Data Source
AI summary
Disclosed are various embodiments for a chat service that enables user to make payments to bill providers without having to share sensitive information during a chat session. In one example, a system is configured to identify a payment request derived from a text message. A first entity identifier and a second entity identifier can be determined. A first computing device can be queried for a first list of accounts based on the first entity identifier. A second computing device can be queried for a second list of accounts based on the second entity identifier. A billing account and a funding account that matches a set of identity matching criteria can be identified from the first list of accounts and the second list of accounts. The payment request can be executed based at least in part on the billing account and the funding account.