Hosted URL Push via IoT for Secure Merchant Access
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Solution Overview
Problem
Small businesses lack affordable, user-friendly, and secure digital outlets for e-commerce due to limited purchasing power and expertise, and existing digital platforms are vulnerable to fraudulent activities.
Innovation Solution
A system that uses a host computing device to generate and push hosted URLs to mobile devices via IoT devices, enabling secure and easy access to merchant webpages for payment transactions, including enrollment of merchant data, building IoT device profiles, and converting URL signals into browser-accessible addresses.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If small businesses use traditional digital outlets (merchant-run websites and downloadable applications), then they can provide e-commerce platforms to consumers, but the cost and complexity of maintaining these platforms increase significantly
Solution Approach 1:
The patent introduces a host system as an intermediary that provides centralized e-commerce platform services to multiple merchants. Instead of each merchant maintaining their own complex digital outlet, the host system manages the platform infrastructure, security, and operations centrally. Merchants simply need to provide basic business information and product data, dramatically reducing their technical burden while maintaining full e-commerce functionality.
2Adaptability or versatility
If merchants run their own digital outlets, then they can offer online-exclusive products and services, but security vulnerabilities and fraudulent activity increase
Solution Approach 1:
The host system acts as a security intermediary between merchants and consumers. It implements centralized security measures including authentication, authorization, and fraud detection at the platform level. The system validates merchant identities, secures transaction data, and monitors for fraudulent patterns, providing reliable security protection that individual small merchants could not implement independently.
Solution Approach 2:
The system performs security validations and authentication checks before transactions occur. Merchant identities are verified in advance, and security protocols are established prior to any commercial activity. This preventive approach cushions against potential fraudulent activities by ensuring all participants are authenticated and authorized before any sensitive operations take place.
3Adaptability or versatility
If merchants invest in building and maintaining digital outlets, then they can increase their purchasing power and expertise, but the initial cost and resource requirements increase
Solution Approach 1:
The host system provides a universal e-commerce platform that serves multiple merchants simultaneously. By consolidating infrastructure, security, and operational resources at the host level, the system achieves economies of scale that reduce costs for individual merchants. All merchants access the same robust platform capabilities without each needing to invest separately in expensive infrastructure, making digital presence affordable for small businesses.
Data Source
AI summary
A host system pushing hosted Universal Resource Locators (URLs) to mobile computing devices is provided. The host system includes at least one host computing device configured to receive first merchant data and first Internet of Technology (IOT) data associated with a merchant computing device, enroll the merchant computing device using the first merchant data and the first IOT data, and build an IOT device profile. The host computing device is also configured to generate a hosted URL associated with the merchant computing device and push the hosted URL, using a URL signal, to a user computing device via an IOT device. The host computing device is further configured to instruct the user computing device to convert the URL signal into a URL address and instruct the user computing device to load the URL address in a browser of the user computing device.