Mobile Commerce Identification via Network Identifier Credential Retrieval
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Solution Overview
Problem
Mobile commerce transactions on small devices are hindered by difficulties in inputting identification information due to small screens and server connectivity issues, leading to low conversion rates and incomplete credit card usage.
Innovation Solution
A mobile commerce facilitation system that uses a data network identifier from a mobile device to obtain a credential, retrieve identification information from a credit file, and dynamically provide it for transactions, eliminating the need for manual input and storage of credit cards.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually input identification information and credit card details into mobile applications, then transaction completeness can be achieved, but user convenience deteriorates and transaction time increases due to small screens and connectivity issues
Solution Approach 1:
The system performs preliminary actions by automatically retrieving and storing identification information and credit card details from external data sources before the transaction occurs. When a user initiates a mobile commerce transaction, the system has already populated the necessary fields in advance, eliminating the need for manual input during the transaction process.
Solution Approach 2:
The system enables self-service by automatically fetching and filling transaction information without requiring user intervention. The mobile application autonomously retrieves identification data and credit card information from connected data sources, allowing the transaction process to proceed without manual data entry by the user.
2Adaptability or versatility
If users manually input all credit card information, then all credit cards can be used for transactions, but device storage requirements increase and security risks worsen
Solution Approach 1:
The system extracts and stores only the essential transaction information (identification details and credit card numbers) from external data sources, rather than requiring users to manually input and store all possible credit card information. This extraction approach reduces the amount of data that needs to be stored on the mobile device while maintaining the ability to use multiple credit cards.
Solution Approach 2:
The system achieves multi-functionality by enabling the use of multiple credit cards through a single automated retrieval process. Instead of requiring separate manual input for each credit card, the system universally fetches all necessary credit card information from the connected data source, allowing users to select from multiple cards during transactions without increasing device storage complexity.
3Speed
If the system stores credit card information locally on mobile devices, then transaction speed improves, but data security deteriorates
Solution Approach 1:
The system introduces an intermediary approach where credit card information is retrieved automatically from external data sources during the transaction process rather than being stored locally on the device. This intermediary mechanism maintains fast transaction speeds by having pre-established data connections while eliminating the security risks associated with local storage of sensitive financial information.
Data Source
AI summary
Aspects and examples are disclosed for facilitating mobile commerce. In one example, a processing device receives a data network identifier or other identifier from a commerce application. The data network identifier or other identifier can be associated with a mobile device conducting a transaction with the commerce application. The processing device can also obtain a credential associated with the mobile device using the data network identifier. The processing device can additionally retrieve identification information from a credit file associated with the credential. The identification information can be useable for completing the transaction. The processing device can further transmit the identification information to a computing device executing the commerce application.