Hosted Thin-Client Payment Gateway for Biometric Authentication
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Solution Overview
Problem
Emerging markets face challenges in accessing financial services due to limited availability of banks and ATMs, and conventional payment systems are inadequate for modern economies, particularly for services like railway bookings and utility payments, with cumbersome authentication and resource-intensive processes.
Innovation Solution
A singular-entity hosted server solution that utilizes existing payment infrastructure to facilitate banking services and value-added services by receiving transaction requests, biometric data, and sending authorization messages through a central server, reducing the need for multiple systems and resources.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional payment systems are used with multiple systems and message sets, then authentication and authorization can be performed, but computing resources are significantly consumed and processes become cumbersome
Solution Approach 1:
The patent combines multiple separate systems (authentication system, authorization system, billing system) into a single integrated payment gateway that handles all functions through a unified message format, eliminating the need for multiple independent systems and reducing overall system complexity
Solution Approach 2:
The payment gateway is designed as a universal system that can perform authentication, authorization, billing, and multiple value-added services through a single platform that supports various message types (authorization requests, capture requests, refund requests, etc.) using one standardized message format
2Adaptability or versatility
If multiple separate systems are used for payment processing, then comprehensive services can be provided, but the infrastructure requires more resources and is harder to maintain
Solution Approach 1:
The payment gateway provides a universal platform that handles diverse services (e-commerce payments, mobile payments, recurring billing, fraud detection, etc.) through a single system, maximizing resource utilization and eliminating redundant infrastructure across multiple separate systems
3Ease of operation
If conventional POS devices are used, then basic payment processing can be performed, but value-added services like railway bookings and utility payments cannot be supported
Solution Approach 1:
The payment gateway extends basic payment functionality to include diverse value-added services such as railway ticket bookings, utility bill payments, mobile recharges, and recurring billing through a unified platform that maintains ease of operation while significantly expanding service capabilities
Solution Approach 2:
The system is designed to be dynamic and adaptable, allowing new service types to be integrated through the existing unified message format without requiring fundamental system changes, enabling the platform to evolve and support emerging payment scenarios
Data Source
AI summary
A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer. The host-server receives the authorization response message from the PPN and sends a service fulfillment request to the VAS provider.