Token-Based Email Payment Validation System
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Solution Overview
Problem
Existing email-based payment systems require vendors to integrate their existing systems with new email-based systems, causing disruption and redundancy. Vendors need greater flexibility in payment processing and security, especially those with complex and constantly shifting configurations.
Innovation Solution
The system uses a token-based approach where vendors embed tokens in advertising emails. These tokens are validated by an email-based e-commerce system, which notifies the vendor of the purchase details. The vendor then handles direct communication with the payment gateway, allowing them to maintain control over their payment processing relationship.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If vendors integrate their existing payment systems with new email-based systems, then email-based payment functionality is achieved, but system disruption and redundancy occur
Solution Approach 1:
The patent extracts the payment validation functionality from the vendor's existing system and relocates it to a separate email-based e-commerce system. The vendor embeds tokens in emails, and the e-commerce system validates these tokens independently, eliminating the need for deep integration with the vendor's payment processing infrastructure.
Solution Approach 2:
The patent introduces an email-based e-commerce system as an intermediary between the vendor and the payment gateway. This intermediary handles token validation and communicates with the payment gateway on behalf of the vendor, reducing direct integration requirements while maintaining payment processing capabilities.
2Adaptability or versatility
If vendors delegate payment processing to third parties, then system flexibility increases, but control over payment relationships is lost
Solution Approach 1:
The patent segments the payment processing workflow into distinct components: token generation by the vendor, token validation by the email-based e-commerce system, and payment gateway communication by the vendor. This segmentation allows the vendor to delegate validation tasks while retaining control over critical payment relationship decisions.
Solution Approach 2:
The vendor maintains self-service capabilities by keeping control over token generation and payment gateway communication. The email-based e-commerce system provides automated validation services, but the vendor retains the ability to manage their own payment relationships and configure their own payment processing rules.
3Productivity
If email-based payment validation is implemented, then payment processing efficiency improves, but integration requirements increase for vendors
Solution Approach 1:
The email-based e-commerce system provides universal token validation services that can be used by multiple vendors without requiring each vendor to implement their own validation system. The system handles various payment scenarios through a common token validation mechanism, reducing individual vendor integration complexity.
Data Source
AI summary
A method to enable transactions comprising transmitting, by a vendor server, a request message to the e-commerce system for a token. Receiving a token in response to the request message. Generating an offer message including a mailto hyperlink, wherein the offer message is an email message including a mailto hyperlink is configured to generate an email reply message include the token. Transmitting the offer message to an email address associated with the customer. Receiving a response message from the e-commerce system, the response message including transaction details that confirm the token was validated by the e-commerce system. Transmitting a payment processing request message to a payment processor, wherein the payment processing request is based on the transaction details. Receiving a notification from the payment processor, that payment processing has been completed. Transmitting an email message to the email address of the customer, that payment has been processed.