One-Time Graphical Checkout Identifier for Mobile Payment Automation
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Solution Overview
Problem
Current online checkout processes require users to manually enter payment and shipping information for each online purchase, exposing them to security risks and inefficiencies, as they often need to create accounts and login repeatedly across different webstores.
Innovation Solution
A graphical identifier checkout system generates a one-time use graphical checkout identifier that encodes checkout completion information, allowing users to automatically complete transactions by capturing the identifier with a mobile device, eliminating the need for manual login and data entry.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually enter payment and shipping information for each online purchase, then checkout completion information can be provided to the webstore, but user convenience deteriorates and security risks increase due to repeated data entry and login requirements
Solution Approach 1:
The patent uses a graphical identifier (such as a QR code or barcode) that encodes checkout completion information as a visual copy of the data. Instead of requiring users to manually type in payment and shipping information, the system displays this pre-encoded graphical identifier on the webstore, and users capture it with their mobile device camera. The mobile device then decodes the graphical identifier and automatically transmits the checkout completion information to the webstore, eliminating the need for manual data entry while maintaining information accuracy.
2Reliability
If users create accounts and login repeatedly across different webstores, then checkout completion can be facilitated, but time consumption increases and security exposure to malware and phishing websites worsens
Solution Approach 1:
The system performs preliminary action by pre-encoding checkout completion information into a graphical identifier before the user needs to complete a purchase. The graphical identifier is generated and displayed on the webstore page in advance, containing all necessary checkout data. When the user captures this pre-prepared identifier with their mobile device, the system already has the information ready for transmission, eliminating the need for users to manually enter data or repeatedly login to different webstores.
3Extent of automation
If graphical identifier checkout system encodes checkout completion information in the graphical identifier, then automation of checkout process improves, but the graphical identifier must be securely transmitted and processed
Solution Approach 1:
The patent employs a disposable security approach where the graphical identifier is designed as a single-use, time-sensitive element. Each graphical identifier is generated specifically for one checkout transaction and is valid only for a limited time window. After being captured and processed once, the identifier is immediately invalidated and cannot be reused. This disposable nature prevents replay attacks and reduces the impact of potential security breaches, as compromised identifiers cannot be exploited repeatedly.
Data Source
AI summary
A graphical checkout identifier is used to facilitate automatic checkout of a user on a webstore. A graphical identifier checkout system receives a request from a webstore for a onetime use graphical checkout identifier. In response to the received request, a onetime use graphical checkout identifier to be displayed by the webstore is generated. A request for checkout completion information by the webstore is encoded in the graphical checkout identifier, which is transmitted to the webstore for display. The onetime use graphical checkout identifier being displayed by the webstore is captured by a registered user operated computing device. In response, the requested checkout completion information is transmitted to the webstore, such that the user is automatically checked out on the webstore, without the user manually logging in to the webstore or entering the requested checkout completion information.