Cross-Application Transaction Approval Through Software Connectors

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Solution Overview

Problem

Existing online transaction systems require users to switch between different applications for approval processes, leading to a fragmented user experience and increased risk of transaction failure due to disruptions.

Innovation Solution

A software connector integrates with multiple online applications, allowing users to initiate and approve transactions within a single interface without leaving the initial application, using a lightbox user interface to present notifications and manage approvals seamlessly.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If users switch between different applications to complete transactions, then access to external applications is enabled, but user experience becomes fractured and transaction reliability decreases

Engineering Contradiction:

Improveaccess to external applicationsVSAvoidtransaction completion reliability

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent introduces a payment facilitation system as an intermediary layer between the first online application and the second online application. This mediator receives requests from the first application, triggers appropriate actions in the second application through connectors, and returns results without requiring direct user interaction with multiple applications. The intermediary consolidates the transaction flow and eliminates the need for users to switch between applications, thereby maintaining reliability while enabling cross-application access.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If users switch between different applications to approve transactions, then comprehensive approval access is enabled, but user experience becomes fragmented and operational complexity increases

Engineering Contradiction:

Improveapproval access across applicationsVSAvoiduser experience seamlessity

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent merges the approval process into a single interface by consolidating requests from multiple applications through the payment facilitation system. Instead of requiring users to navigate between different applications for approvals, the system combines all approval interactions within one consistent user experience. The notification display presents consolidated approval requests, and the single-click approval mechanism unifies the operational flow across all applications, thereby improving ease of operation while maintaining comprehensive access.

Inventive Principle:

Principle #5Merging (Combining)

3Adaptability or versatility

If multiple handoffs between applications are required, then comprehensive transaction processing is enabled, but system complexity increases and disruption risk increases

Engineering Contradiction:

Improvetransaction processing capabilityVSAvoidhandoff process complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The payment facilitation system serves as a centralized intermediary that manages all handoffs between applications. Rather than requiring direct, complex coordination between multiple applications, the mediator receives requests from the first application, identifies appropriate connectors to second applications, triggers necessary actions, and consolidates responses. This intermediary layer simplifies the overall system architecture by centralizing the coordination logic and eliminating the need for complex direct handoffs between multiple applications.

Inventive Principle:

Principle #24Intermediary (Mediator)

4Adaptability or versatility

If users must leave the current application to access approvals, then external application access is enabled, but user convenience decreases and time is lost

Engineering Contradiction:

Improveexternal application accessVSAvoidtime to complete transaction

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The payment facilitation system acts as an intermediary that enables external application access without requiring users to leave the current application. The system receives requests within the first application's context, triggers appropriate actions in second applications through connectors, and returns results within the same application session. This eliminates the time loss associated with switching applications while maintaining the ability to access and process transactions across multiple applications.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS12443936B2Integrating requests across different online applications

Publication Date: 2025.10.14 OBEP PAYMENTS LLC

AI summary

The present technology can integrate online transaction requests across different combinations of online applications to streamline approvals. A software connector is integrated to retrieve necessary information from digital banking applications, such that an approval process remains in a single application interface (e.g., of a merchant website or online application). The software connector polls for a notification from a respective banking application and presents the notification in a lightbox on the merchant website or application.