Media Device Payment Association and Smart Card Personalization
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Solution Overview
Problem
Current e-commerce systems do not support seamless transactions from television advertisements, as they lack direct feedback mechanisms to determine consumer interest and purchasing behavior, and require manual entry of payment information for purchases.
Innovation Solution
Implementing a system where media devices, such as set-top boxes or computers, are associated with payment accounts, allowing users to initiate purchases with a 'buy it now' feature without manual payment entry, using stored payment information and a smart card or software module for secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If media devices are associated with payment accounts to enable seamless transactions, then ease of operation is improved, but device complexity increases
Solution Approach 1:
The system performs preliminary actions by pre-establishing associations between media devices and payment accounts before transactions occur. Device identification information is stored and payment account details are pre-configured, allowing users to initiate purchases without manual payment entry. This advance preparation eliminates the need for complex manual payment procedures during actual transactions.
Solution Approach 2:
The patent introduces intermediary components including a payment card personalization service and transaction authorization systems that mediate between media devices and payment networks. These intermediaries handle the complex authentication and transaction processing, allowing the media devices themselves to remain relatively simple while still enabling secure payment functionality.
2Productivity
If payment information is stored in media devices to enable quick purchases, then productivity is improved, but security risks increase
Solution Approach 1:
Instead of storing complete payment card data directly in media devices, the system uses copies or representations of payment information. The payment card personalization service creates and manages simplified payment representations that can be used for transactions without exposing full card details. This copying approach maintains productivity while reducing security risks.
Solution Approach 2:
The patent extracts sensitive payment information from the media device storage. Rather than keeping complete payment card data locally, the system extracts only necessary transaction parameters and uses them temporarily during the purchase process. The full payment information remains secured in centralized databases, reducing the security footprint within the media device.
3Adaptability or versatility
If e-commerce systems are enhanced to support media device transactions, then adaptability is improved, but device complexity increases
Solution Approach 1:
The payment card personalization service and associated systems are designed with universal functionality to work across multiple media device types and payment networks. The system can personalize payment cards for different media devices and handle various transaction scenarios, providing adaptability without requiring each individual device to have complex specialized functionality.
Data Source
AI summary
A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID.