Mobile Health Data Integration for Dynamic Payment Authorization

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Solution Overview

Problem

Existing systems for secure access authorization and payment transactions lack efficient integration of health activity data with payment processing, leading to incomplete incentives and rewards, and require manual selection of payment accounts, which is time-consuming and inefficient.

Innovation Solution

A system that uses mobile devices to track health-related activities and combines this data with payment processing, allowing for dynamic selection of payment accounts based on location and user preferences, and integrates health activity data with payment transactions to provide personalized incentives and rewards.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If manual selection of payment accounts is required, then user control over payment selection is maintained, but transaction processing time increases and efficiency decreases

Engineering Contradiction:

Improveuser control over payment selectionVSAvoidtransaction processing time

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The system automatically selects payment accounts based on user preferences and health activity data without requiring manual intervention. The payment selection process is self-service driven by pre-configured user preferences and real-time health data, eliminating the need for users to manually choose payment accounts while maintaining user control through preference configuration.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

Users pre-configure their payment preferences and associated health activity requirements before transactions occur. The system stores these preferences in advance and automatically applies them during transaction processing, eliminating the need for manual selection at the time of purchase and reducing transaction time.

Inventive Principle:

Principle #10Preliminary action

2Adaptability or versatility

If health activity data is integrated with payment processing, then personalized incentives and rewards are enabled, but system complexity increases

Engineering Contradiction:

Improvepersonalized incentives and rewardsVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

A health activity data service acts as an intermediary between the payment processing system and health tracking devices. This service collects health data from mobile devices, processes it according to user preferences, and provides relevant information to the payment system, enabling personalized incentives without directly increasing the core payment processing complexity.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system uses a universal health activity data service that can integrate with multiple types of health tracking devices and payment processors. This multi-functional service handles various health data types (fitness activities, location, social media) and applies them across different payment scenarios, reducing overall system complexity through standardization.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Reliability

If real-time health data collection is performed, then accurate and timely incentives can be provided, but energy consumption and data processing requirements increase

Engineering Contradiction:

Improveaccuracy of incentive eligibility determinationVSAvoidenergy consumption for data collection

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

The system collects health data continuously but only processes and acts on data when relevant payment transactions occur or when predefined thresholds are met. This partial processing approach maintains reliable incentive eligibility determination while reducing unnecessary energy consumption from constant data processing, only activating intensive processing when needed.

Inventive Principle:

Principle #16Partial or excessive action

Data Source

PatentUS10664838B2Systems and methods to authorize transactions based on securely accessing data tracked via mobile devices

Publication Date: 2020.05.26 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Systems and methods to process an authorization request related to mobile data stored by a mobile application in an account hosted on a server and accessed via an access token obtained via the mobile device during a registration session with a portal of an authorization processing system that stores an item associating with an account identifier. The access token is stored in a data warehouse in association with an account identifier registered during the registration session. In response to an authorization request containing the account identifier is determined by the authorization processing system to have satisfied a first set of conditions specified in the item associated with the account identifier, the portal is instructed to use the access token to communicate with the server to determine whether a second set of conditions identified by the item are met by the mobile data stored in the account hosted on the server that is separately operated from the authorization processing system.