LLM Agent Payment Flow with On-Device Wallet
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Solution Overview
Problem
Existing solutions for online travel booking lack sufficient security measures to protect user privacy and are cumbersome, as they require sharing extensive personal data with service providers.
Innovation Solution
A computerized method integrating a conversational agent with a payment API, where a large language model custom agent prompts users for one-time permission to access their digital wallet, allowing secure booking of travel itineraries without sharing personal details.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional payment methods are used for online travel booking, then users can complete transactions, but user privacy and payment information are exposed to security risks
Solution Approach 1:
The patent introduces an intermediary system that acts as a mediator between the user's digital wallet and the travel booking service. This intermediary receives authorization credentials from the user, validates them, and facilitates the transaction without exposing sensitive payment information to the service provider or potential attackers, thereby resolving the security risk while enabling payment functionality
Solution Approach 2:
The patent extracts sensitive payment information from the traditional payment flow and stores it securely in a dedicated digital wallet environment. By separating the sensitive data storage from the transaction processing system, the patent minimizes the attack surface and protects user privacy while still enabling necessary payment operations
2Ease of operation
If extensive personal data is collected and shared with application providers for data-enabled convenience, then users receive personalized services, but user privacy is compromised
Solution Approach 1:
The patent employs an intermediary authorization system that enables personalized services by sharing only necessary authorization credentials rather than raw personal data. The intermediary validates user identity and permissions without requiring the application provider to access or store sensitive personal information, thus maintaining service personalization while protecting privacy
Solution Approach 2:
The patent implements local quality by allowing different levels of data access for different services. The digital wallet system provides selective authorization where each application receives only the specific credentials needed for its function, rather than blanket access to all personal data, enabling personalized service where appropriate while maintaining privacy where not needed
3Reliability
If existing security measures like two-factor authentication are implemented, then transaction security is improved, but user convenience deteriorates due to cumbersome processes
Solution Approach 1:
The patent applies preliminary action by obtaining and validating user authorization credentials before the actual travel booking transaction occurs. The digital wallet system pre-establishes secure authentication and authorization, so that when the transaction is needed, the security verification has already been completed, maintaining high security while improving convenience during the actual booking process
Data Source
AI summary
A computerized method for integrating a conversational agent with a payment application programming interface (API) is provided. A large language model (LLM) custom agent receives a request to book a travel itinerary. The user is prompted, in a user interface of the conversational agent, to authorize one-time permission to access a digital wallet associated with the user. Upon receiving the one-time permission to access the digital wallet, the travel itinerary comprising the plurality of bookings is provided to the user. If a confirmation to book the travel itinerary is received, the LLM custom agent books, using the payment API and the digital wallet associated with the user, the provided travel itinerary comprising the plurality of bookings. A confirmation of booking the provided travel itinerary is provided in the user interface of the conversational agent.