Chatbot Payment Processing in Messaging Apps
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Solution Overview
Problem
Current chatbots lack the ability to initiate or process payment transactions within messaging applications, limiting their functionality in peer-to-peer payments.
Innovation Solution
Implementing a system that uses natural language processing to detect payment requests and integrate a third-party payment service within messaging platforms, allowing for real-time, automated, and streamlined peer-to-peer payments through chatbots, which communicate with users using human-readable or machine-readable messages.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If traditional API-based payment solutions are used in messaging applications, then payment processing capability is achieved, but device complexity and implementation resources increase
Solution Approach 1:
The patent merges the payment service directly into the messaging application platform, eliminating the need for separate API integrations. The payment functionality is combined with the existing messaging infrastructure, allowing chatbots to initiate and process payments within the same application without requiring external API connections or additional implementation resources.
Solution Approach 2:
The messaging application platform is designed to provide multiple functions including both communication and payment processing through a unified system. The platform can handle various messaging operations and payment operations using the same infrastructure, reducing the need for separate specialized components and lowering overall device complexity.
2Adaptability or versatility
If chatbots are limited to basic questions and information, then device complexity remains low, but functionality and user experience are restricted
Solution Approach 1:
The chatbot system is designed to perform multiple functions beyond basic information queries, including initiating payments, processing transactions, and handling financial operations within the messaging application. This multi-functional capability is achieved through the integrated payment service that operates within the existing chatbot framework, allowing enhanced functionality without proportionally increasing system complexity.
3Reliability
If payment transactions are processed through separate systems, then payment security is maintained, but communication accuracy and user experience are reduced
Solution Approach 1:
The patent combines payment processing and messaging functions within the same system architecture, allowing for seamless communication between the user, chatbot, and payment system. This integration ensures that payment transactions and messaging operations can be coordinated accurately in real-time, improving communication accuracy and user experience while maintaining security through the unified system's controlled environment.
Data Source
AI summary
Embodiments disclosed in this specification include chatbots that can automatically identify payment requests and execute payments within third-party chat applications. A payment-service-system server can include an application acting as an additional participant in a messaging application having two or more other participants. Based on the context of the conversation, the payment-service-system server can identify payment requests, suggest making a payment, and execute the payment without leaving the chat application. There is no need to access a separate web page or application to complete the payment.