Interchange System for Secure Mobile Transaction Processing
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Solution Overview
Problem
Existing mobile communication systems for facilitating online transactions lack efficient and secure methods to process transactions requests, particularly in ensuring user confirmation and payment processing without revealing sensitive account information to merchants.
Innovation Solution
A system that includes a data storage facility to store user account identifiers and phone numbers, coupled with an interchange that uses converters to communicate with various mobile communication controllers, allowing for secure transaction processing by prompting users for confirmation via SMS or other protocols, and enabling payment collection through telecommunication carriers without exposing account information to merchants.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If user account information is transmitted to merchants for transaction processing, then transaction convenience is improved, but security and privacy of account information deteriorates
Solution Approach 1:
The patent introduces an interchange as an intermediary system between users and merchants. The interchange receives transaction requests from merchants, communicates with mobile communication networks to verify user accounts and obtain authorization, and then processes payments without ever exposing users' sensitive account information to merchants. This mediator architecture resolves the contradiction by enabling convenient transactions while maintaining security through centralized account management.
2Adaptability or versatility
If multiple mobile communication controllers are supported, then system adaptability is improved, but device complexity increases
Solution Approach 1:
The interchange is designed as a universal system that can communicate with multiple different mobile communication controllers through standardized protocols. It supports various message formats including SMS, WAP, and other mobile communication protocols, allowing a single system to handle diverse controllers without requiring separate specialized systems for each protocol type.
3Reliability
If real-time user confirmation is required for transactions, then transaction security is improved, but processing time increases
Solution Approach 1:
The system performs preliminary actions by pre-registering user account information and mobile communication details in the interchange database before actual transactions occur. When a transaction is initiated, the interchange can quickly retrieve pre-stored information and send confirmation requests to users' mobile devices, significantly reducing the time required for real-time verification while maintaining security through mandatory user authorization.
Data Source
AI summary
Systems and methods are provided to facilitate on-site processing of transaction requests. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.