Mobile Interchange for Secure Donation Processing
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Solution Overview
Problem
Current mobile communication systems lack efficient methods for facilitating secure and convenient online transactions, particularly for donations to charitable organizations, as they often require revealing sensitive account information to merchants and do not provide robust security measures.
Innovation Solution
A system that includes a data storage facility for user account information and a mobile interchange capable of communicating with various mobile communication controllers, using a common format processor and converters to interface with different protocols, allowing users to confirm payments and donations via mobile phones without revealing account details to merchants, and utilizing premium messages for fund collection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users provide account information to merchants for online transactions, then payment processing is enabled, but security is compromised due to exposure of sensitive information
Solution Approach 1:
The patent introduces a payment processing system that acts as an intermediary between users and merchants. Instead of users directly providing account information to merchants, the system uses a tokenization mechanism where sensitive account details are replaced with non-sensitive tokens. The intermediary processor holds the actual account information securely and uses it only when necessary, preventing direct exposure to merchants while still enabling payment processing.
2Adaptability or versatility
If mobile communication systems use standard protocols for message delivery, then compatibility is improved, but security and control over message delivery are reduced
Solution Approach 1:
The patent segments the message delivery process into multiple controlled stages. Instead of using a single standard protocol end-to-end, the system divides message handling into separate phases: message creation, security processing, delivery authorization, and actual transmission. Each stage can use different protocols or security measures, allowing the system to maintain compatibility where needed while implementing enhanced security and control at critical points in the delivery chain.
Data Source
AI summary
Systems and methods are provided to facilitate donations via mobile communications. In one aspect, a system includes a data storage facility and an interchange having a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. For a payment to a merchant, the common format processor provides a user interface configured to present charity donation options in response to a phone number being specified in the user interface to identify a fund source. The common format processor uses one of the converters to communicate with a mobile phone at the phone number to confirm the payment to the merchant and a donation to a separate charity organization specified via the user interface.