Image Based MMS Payment Transactions for Basic Mobile Devices
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Solution Overview
Problem
In remote or underprivileged areas, the lack of access to smart mobile devices hinders transactions, as existing payment methods require either a physical transaction card, cash, or a mobile application, which may not be available or desirable for all users, limiting commerce and safety in cash-based economies.
Innovation Solution
A system enabling image-based MMS transactions through a remote server, allowing users to register their devices for MMS payment endpoints, facilitating transactions without the need for smart mobile devices, physical cards, or specific payment apps, by generating a temporary transaction card image for secure payments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If mobile electronic computing devices such as smart mobile devices are used to make payments, then convenience and security for customers are improved, but accessibility is worsened in remote or underprivileged areas where smart devices are not available
Solution Approach 1:
The patent creates a visual copy (image) of a transaction card that can be displayed on the mobile device screen. This image contains all necessary transaction information and can be presented to a POS device, replacing the need for a physical card while maintaining compatibility with existing payment infrastructure.
Solution Approach 2:
The mobile device acts as an intermediary between the user's financial account and the POS system. It generates and displays an image that mediates the transaction, allowing communication between systems without requiring the user to have a smart device with full payment app capabilities.
2Adaptability or versatility
If physical transaction cards are used for payments, then accessibility is improved, but security and convenience are worsened compared to digital solutions
Solution Approach 1:
Instead of requiring a physical card, the system creates a digital visual copy that can be displayed on any mobile device screen. This copy contains the same functional information as a physical card but can be generated and accessed without needing the actual card present.
Solution Approach 2:
The patent replaces the mechanical/physical card system with a digital image display system. The visual information on the screen substitutes for the physical card, and the mobile device's display mechanism replaces the need for a plastic card with magnetic stripe or chip.
3Ease of operation
If mobile applications are required for payments, then convenience is improved, but device complexity and accessibility are worsened in areas with simple cellular phones
Solution Approach 1:
The patent extracts the essential payment function from complex mobile applications and reduces it to a simple image display capability. By taking out only the necessary element (displaying a visual representation of transaction information), the system works on basic cellular phones without requiring full-featured payment apps.
Solution Approach 2:
The system creates a simplified visual copy of transaction information that can be displayed on any mobile device regardless of complexity. This approach bypasses the need for sophisticated payment applications by using a universal display capability present in all mobile phones.
Data Source
AI summary
Embodiments relate to transactions using image based MMS solutions over a communication device. In an embodiment, a method includes receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction. The method also includes transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates information included in the message content to the seller payment provider messaging endpoint identifier. And the method includes processing, by the payment provider server, the transaction based on information included in the message content and the transaction information.