Check-In Payment Authorization via One-Time PIN
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Solution Overview
Problem
Current payment systems lack efficient and convenient methods for users to authorize and complete transactions using mobile devices, especially in a check-in based context, where real-time location-specific offers and payments are not seamlessly integrated.
Innovation Solution
A network-based system that combines check-in services, such as FOURSQUARE, with payment services, like PAYPAL, allowing users to pre-authorize payments through a mobile device by linking check-in accounts with payment accounts, generating one-time use PINs for transaction completion, and providing real-time notifications and receipts.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional payment authorization methods are used, then transaction security is maintained, but user convenience and transaction speed deteriorate
Solution Approach 1:
The system performs preliminary actions by pre-authorizing payments when users check in at merchant locations. The payment authorization is obtained in advance during the check-in process, so that when the user actually makes a purchase, the transaction can be completed quickly by simply presenting the pre-obtained authorization code, eliminating the need for repeated authentication steps at the time of purchase.
Solution Approach 2:
The patent introduces an intermediary mechanism in the form of a pre-obtained authorization code that mediates between the user's payment account and the merchant's payment system. This code serves as a temporary credential that enables fast transaction completion without requiring real-time communication between the user's payment provider and the merchant's system, thus speeding up the transaction process while maintaining security.
2Adaptability or versatility
If check-in services are integrated with payment services, then user convenience and shopping experience are improved, but system complexity increases
Solution Approach 1:
The patent implements a universal payment authorization system that can work across multiple merchant locations and different payment scenarios. The same check-in mechanism and pre-authorization process can be applied to various types of merchants and payment situations, making the system highly adaptable without requiring separate solutions for each case, thus managing complexity while achieving versatility.
Solution Approach 2:
The system segments the payment process into distinct phases: check-in and pre-authorization phase, and actual purchase phase. By separating these functions and allowing them to operate semi-independently, the system manages complexity through modular design while achieving the versatility of integrated check-in and payment capabilities across different merchant scenarios.
Data Source
AI summary
Systems and methods for providing check-in based payment processing are discussed. In an example, a method for check-in based payment processing can include receiving check-in data, generating a pre-approval, sending a one-time-use PIN, receiving a validated transaction, and processing a payment. The check-in data can include a merchant identifier and user information identifying a user registered with the check-in service and associated with a mobile device. The pre-approval can include a one-time-user PIN. The validated transaction can include the one-time-user PIN associated with the pre-approval.