Mobile Call Payment Buttons for In-Call Transaction Access
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Solution Overview
Problem
Over-the-phone transactions often lack integration with payment service providers, making it cumbersome for users to access payment services during phone calls, despite the availability of smart devices capable of such services.
Innovation Solution
A payment button or link is provided on a mobile device's display during a call, enabling users to initiate payment requests through a payment handler module, which automatically retrieves payee information and processes transactions via SMS, email, or in-band signaling.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If payment service providers are integrated into mobile devices, then ease of operation is improved, but device complexity increases
Solution Approach 1:
The patent merges the payment service provider interface directly into the mobile device's display during the phone call interface. The payment button is integrated into the existing call screen, allowing users to access payment services without switching applications or navigating separate interfaces. This integration improves ease of operation by consolidating multiple functions (calling and payment) into a single interface, while the complexity is managed through software integration rather than hardware additions.
2Ease of operation
If payment buttons are provided during phone calls, then ease of operation is improved, but the phone call function is compromised
Solution Approach 1:
The patent implements multi-functionality by allowing the same mobile device interface to serve both traditional phone calling and electronic payment initiation. The display during a phone call can present either the standard call interface or an integrated payment button, enabling the system to adapt between communication and transaction functions. This universality allows the phone call function to remain valid while adding payment capability, as the same hardware and basic software infrastructure support both purposes.
3Ease of operation
If automatic payee information retrieval is implemented, then ease of operation is improved, but loss of information may occur
Solution Approach 1:
The patent applies preliminary action by pre-configuring the mobile device with contact information and payment service provider credentials before the actual payment transaction occurs. The device stores payee information in its address book and payment details in secure memory, so that when a payment is initiated during a phone call, the system can automatically retrieve and populate the necessary information without requiring real-time manual entry. This preliminary preparation speeds up the payment process while maintaining information accuracy through structured data storage and validation mechanisms.
Data Source
AI summary
A payment button on a device capable of making telephone calls, such as a mobile phone, allows a payer to electronically transfer money while in a phone call with a payee. The payment button also allows a payee to initiate an electronic payment transaction while in a phone call with a payer. The payment button may be a clickable or tappable virtual button presented on a display of the phone when being used to make or receive a call. The payer or the payee can simply enter a payment amount on the phone to complete an electronic payment transaction. A notification of payment is instantly transmitted to the phones being used for the phone call, so that the parties can safely and conveniently conclude a purchase and/or payment transaction during one phone call.