Mobile Commerce Remote Payment Authorization System
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Solution Overview
Problem
Existing mobile commerce systems lack the ability to facilitate remote authorization and payment of goods by third-party payors who are not physically present at a merchant location, leading to difficulties in situations where a person wants to purchase items on behalf of another, such as an employer or parent, without the necessary credit card or authorization level.
Innovation Solution
A mobile commerce system that allows an on-site purchaser to select third-party payors through a mobile device, transmit purchase details, and receive payment instructions, enabling remote authorization and payment via a mobile commerce application program that communicates with both the purchaser's and payor's devices, using payment codes like QR codes for transaction processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If merchants require physical presence for authorization, then transaction security is improved, but purchasing flexibility and remote payment capability deteriorate
Solution Approach 1:
The patent introduces a mobile device as an intermediary between the purchaser and the payment system. The mobile device captures purchase details via camera, transmits them to a processing system, and receives authorization codes. This intermediary enables remote payment while maintaining security through automated verification and code-based authentication, resolving the contradiction between physical presence requirements and remote payment capability.
2Reliability
If third-party payment is restricted to on-site authorization, then fraud risk is reduced, but convenience for on-behalf purchasing deteriorates
Solution Approach 1:
The system enables self-service for third-party payments by allowing the purchaser to independently capture purchase details, transmit them for authorization, and receive payment codes without requiring the payor to be physically present. The automated system verifies authorization levels and processes payments, maintaining fraud prevention while dramatically improving convenience for on-behalf purchasing.
3Reliability
If manual authorization processes are used, then transaction verification is thorough, but processing time and complexity increase
Solution Approach 1:
The patent replaces manual authorization processes with an automated electronic system. The mobile device captures purchase details, the system automatically verifies authorization levels against stored data, and generates authorization codes. This substitution maintains thorough verification while reducing process complexity and eliminating manual intervention requirements.
4Reliability
If corporate credit card requirements are enforced, then company policy compliance is ensured, but accessibility for employees without cards deteriorates
Solution Approach 1:
The system creates a universal payment authorization mechanism that works for all employees regardless of whether they have corporate credit cards. The mobile device-based system verifies authorization levels and processes payments through a centralized system, enabling any authorized employee to make company purchases while ensuring policy compliance, thus achieving both universality and compliance.
Data Source
AI summary
An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and/or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor.