Conversation as Platform for Secure E-commerce Transactions
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Solution Overview
Problem
Current e-commerce systems require users to navigate through multiple steps for configuration, confirmation, and authentication, leading to inefficiencies and increased security risks during transactions, particularly in managing payment and shipping details.
Innovation Solution
The Conversation as a Platform (CaaP) enables users to dynamically generate payment agreements through chat bots, allowing asynchronous actions such as modifying or canceling transactions, by providing a cloud-based wallet that streamlines interactions and reduces manual data entry, enhancing security and user control.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users navigate through multiple steps for configuration, confirmation, and authentication in current e-commerce systems, then transaction security is maintained, but user productivity and efficiency deteriorate due to increased complexity and time consumption
Solution Approach 1:
The system performs preliminary actions by pre-configuring payment agreements and obtaining user consent in advance through a simplified opt-in process. The payment credential URL is generated beforehand, allowing subsequent transactions to proceed without repeated authentication steps, thus maintaining security while improving efficiency
Solution Approach 2:
A payment credential URL acts as an intermediary between the user's wallet provider and the chat bot provider. This intermediary contains embedded authentication and authorization information, enabling secure transactions without requiring users to navigate through multiple configuration and authentication steps each time
2Measurement precision
If users manually enter payment and shipping data in current e-commerce systems, then data accuracy can be verified, but error rates increase and user control over financial resources decreases
Solution Approach 1:
The system implements self-service by automatically retrieving payment and shipping information directly from the user's wallet provider using the payment credential URL. This eliminates manual data entry entirely, preventing errors while maintaining user control through the initial opt-in consent and the ability to review/modify transaction terms before confirmation
Solution Approach 2:
User payment and shipping preferences are pre-configured in the wallet provider system in advance. This preliminary setup eliminates the need for manual data entry during transactions, reducing errors while maintaining user control through the opt-in process and ability to modify terms
3Reliability
If multiple configuration steps and user authentication are required in conventional e-commerce solutions, then transaction security is ensured, but device security and user information protection are compromised due to increased exposure of sensitive data
Solution Approach 1:
The payment credential URL serves as a secure intermediary that embeds authentication and authorization information without exposing sensitive user data. The URL enables the chat bot provider to obtain payment credentials through a secure interface with the wallet provider, eliminating the need for users to expose sensitive information during transactions
Solution Approach 2:
The system extracts sensitive authentication and authorization information from the user's wallet provider and embeds it within the payment credential URL. This extraction occurs once during the opt-in process, and the resulting URL can be safely transmitted and used without repeatedly exposing sensitive user data
Data Source
AI summary
Conversations between an intelligent, machine-based chat bot and a user of a website or an application support a computing paradigm called Conversation as a Platform (CaaP) to dynamically generate payment agreements that enable asynchronous actions to be performed for e-commerce transactions which the user may use to confirm the transaction, change the terms (e.g., payment method, ship-to address, shipping method, etc.), or cancel the transaction. Upon opt-in by the user to the payment agreement, a cloud-based wallet provider gives a payment credential URL (Uniform Resource Locator) to the chat bot provider that is called to receive an actual payment credential, and which may also be used for subsequent transactions.