Low Battery Digital Wallet Preauthorization
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Solution Overview
Problem
Mobile devices running out of battery power often become unavailable for payment transactions, causing inconvenience to users, especially when they need to make payments at merchants they frequently visit.
Innovation Solution
A system and method that allow users to set up a low-battery digital wallet (LBDW) account with a payment provider, enabling preauthorized payments to designated merchants without user authentication when the device's battery is low, using beacons and predictive analytics to determine when a payment is needed and ensuring transactions are completed before the device runs out of power.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the device operates normally requiring user authentication for payments, then payment security is maintained, but the device becomes unavailable for payments when battery is depleted
Solution Approach 1:
The system performs preliminary actions by pre-authorized payments to designated merchants before the battery is depleted. When the device detects it is running out of power, it automatically initiates preauthorization requests for upcoming transactions at known merchants, ensuring payments are secured in advance without requiring user authentication at the moment of battery depletion.
Solution Approach 2:
The device serves itself by automatically detecting low battery conditions and initiating preauthorization payments without requiring user intervention. The system monitors its own power state and autonomously executes payment preauthorizations to designated merchants, eliminating the need for manual user authentication when the battery is low.
2Ease of operation
If the device requires user authentication for each payment, then payment security is ensured, but user convenience deteriorates when battery power is low
Solution Approach 1:
The system performs preliminary authentication by pre-authorized payments to designated merchants before the battery is depleted. User authentication is completed in advance during normal battery operation, and the preauthorization tokens are stored for automatic use when the device runs out of power, ensuring both convenience and security.
Solution Approach 2:
The device automatically executes preauthorized payments without requiring user authentication at the point of transaction. The system self-manages the authentication process by storing preauthorized credentials and automatically submitting them when needed, improving convenience while maintaining security through prior authentication.
3Productivity
If the device continues normal operations until battery depletion, then device functionality is maximized, but payment transactions cannot be completed
Solution Approach 1:
The system performs preliminary payment actions by detecting when battery power is running low and automatically initiating preauthorization requests for upcoming transactions. This allows the device to maintain full functionality until battery depletion while ensuring critical payment transactions are secured in advance through automated preauthorization.
Solution Approach 2:
The device implements a feedback mechanism by continuously monitoring its own battery power state. When the system detects low power conditions, it triggers automated preauthorization payments to designated merchants, ensuring that payment capability is maintained even as the device approaches battery depletion.
4Ease of operation
If preauthorized payments are implemented without user authentication, then payment convenience is improved, but security control is reduced
Solution Approach 1:
The system applies different authentication requirements to different contexts. Preauthorized payments without authentication are only enabled for designated merchants that the user has previously trusted and specified. For other merchants or unusual transactions, traditional authentication requirements remain in place, providing security while enabling convenience where appropriate.
Data Source
AI summary
A system and/or method may be provided to assure a payment being made via a user device before the user device fully runs out of battery power. In particular, while a user device is running out of battery power, the system may allow a user to designate a merchant/user/service to which the user may make payments via a user device without user authentication and/or awareness. Under the same situation of low battery power, the system may also allow the user to make payments to a merchant/user/service with which the user frequently shops without user authentication and/or initial awareness. After the payment being made, the system may communicate with the user with further action, which requires no or low consumption of battery power.