Interchange Architecture for Mobile Carrier Protocol Translation
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Solution Overview
Problem
Current systems for facilitating online transactions through mobile devices lack efficient methods for secure and convenient payment processing, particularly in scenarios where direct communication with various mobile carriers and payment gateways is required.
Innovation Solution
A system comprising a data storage facility and an interchange that associates phone numbers with account information, using converters to communicate with different mobile communication controllers in various formats, allowing for secure payment processing and fund collection via premium messages.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If the system interfaces directly with multiple mobile carriers using different protocols, then communication versatility is improved, but device complexity increases
Solution Approach 1:
The patent introduces an interchange as an intermediary component that sits between the payment system and multiple mobile carriers. The interchange receives messages in a common format and automatically translates them into carrier-specific protocols (SMPP, SMTP, HTTP, etc.), enabling the system to communicate with diverse carriers without increasing the complexity of the core payment processing logic.
Solution Approach 2:
The system architecture is segmented into distinct functional components: the payment processing core, the interchange translation layer, and carrier-specific adapters. This segmentation allows each component to handle specific protocols independently, improving versatility while managing complexity through modular design where each segment focuses on a particular communication standard.
2Productivity
If the system collects and stores detailed account information from multiple carriers, then payment processing capability is improved, but information security risks increase
Solution Approach 1:
The patent extracts sensitive account information from the payment processing system and stores it separately in secure data storage facilities managed by the interchange. The core payment system only retains necessary transaction data while the interchange maintains the secure repository for carrier-specific account details, reducing the attack surface and limiting exposure of sensitive information.
Solution Approach 2:
The interchange acts as a security intermediary that manages and protects sensitive account information. It receives, validates, and securely stores carrier account details while providing controlled access to the payment processing system. This intermediary layer implements security protocols and access controls that protect information from unauthorized access while enabling payment processing functionality.
3Ease of operation
If the system uses a unified message format for all carriers, then ease of operation is improved, but adaptability to carrier-specific protocols decreases
Solution Approach 1:
The interchange serves as a format translation intermediary that accepts messages in a standardized common format from the payment system and automatically converts them into carrier-specific protocols. This allows the core system to operate with simple, unified message structures while the interchange handles the complexity of protocol adaptation, maintaining both ease of operation and protocol versatility.
Solution Approach 2:
The message format transformation is dynamic and adaptive. The interchange automatically detects the target carrier and selects the appropriate protocol conversion rules, dynamically adjusting the message format based on the destination carrier's requirements. This dynamic adaptation maintains a simple unified interface for the core system while ensuring compatibility with diverse carrier protocols.
Data Source
AI summary
In one aspect, a system includes an interchange with a data storage facility. The interchange includes 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 common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a phone number, a payment amount and a payee, and in response, use a pinging message to determine telecommunication carrier information of the phone number, select a converter, determine a set of premium messages in accordance with the telecommunication carrier information, and use the selected converter to transmit the set of premium messages to the phone number to collect funds to pay the payee on behalf of a user of the mobile phone.