Digital Platform Management With Subordinate IAP Spending Rules
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Solution Overview
Problem
Digital platforms lack the ability to identify and authorize users making in-app purchases (IAPs), allowing unauthorized transactions due to the use of stored payment account information, especially when accessed by non-adult users.
Innovation Solution
A management platform is introduced that creates a master account with associated login credentials, allowing the creation of subordinate accounts with defined funding and spending rules, and provides a dashboard for transaction monitoring and control, including a ledger of transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If stored payment account information is used for in-app purchases, then ease of operation is improved, but security deteriorates due to unauthorized transactions
Solution Approach 1:
The system segments the payment account into a master account (owned by the adult user) and subordinate accounts (owned by non-adult users). This segmentation allows the payment account information to be stored and reused for ease of operation, while simultaneously enabling the master account owner to control and monitor transactions through the management platform, thus resolving the security issue.
Solution Approach 2:
The management platform acts as an intermediary between the master account and subordinate accounts. It provides a dashboard and control mechanisms that allow the master account owner to monitor, restrict, and manage transactions made by non-adult users, enabling both ease of operation (through stored payment info) and security (through controlled access).
2Ease of operation
If digital platforms allow in-app purchases with stored payment information, then ease of operation is improved, but loss of information increases due to lack of transaction visibility
Solution Approach 1:
The management platform implements a feedback mechanism by providing a dashboard that displays transaction information, spending limits, and account status. This feedback loop allows the master account owner to monitor transactions in real-time, maintaining transaction visibility while preserving the ease of operation enabled by stored payment information.
3Reliability
If a management platform with master and subordinate accounts is implemented, then security is improved, but device complexity increases
Solution Approach 1:
The management platform is designed as a multi-functional system that handles account creation, transaction monitoring, spending limit enforcement, and payment control through a single integrated dashboard. This universality improves security through comprehensive control while minimizing the increase in device complexity by consolidating multiple functions into one platform.
Data Source
AI summary
A method, apparatus, and system of providing a management system for digital platforms are disclosed. The method includes creating a master account associated with a first user; providing a management graphical user interface (GUI) to a user device; creating a subordinate account associated with a second user in response to a first user input via the management GUI; establishing one or more spending rules for the subordinate account in response to a second user input via the management GUI; providing a subordinate GUI; generating a subordinate payment token for a payment account associated with the master account; receiving, from a computing system, a request to approve a first in-app purchase (IAP), the request indicating receipt of the subordinate payment token; retrieving the spending rules for the subordinate account; and approving the first IAP from the subordinate account based on the first IAP satisfying the spending rules.