Interchange Mediator for Mobile Transaction Protocol Conversion
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Solution Overview
Problem
Existing mobile communication systems lack efficient methods for facilitating online transactions, particularly in scenarios where users need to add funds to accounts for premium services or purchases, often requiring complex interactions with multiple controllers and protocols, which can be insecure and inconvenient.
Innovation Solution
A system and method that utilizes a data storage facility to associate stored value accounts with mobile phone numbers, employing an interchange with converters to communicate in various formats with different mobile communication controllers, allowing for secure and convenient deposit and payment transactions through SMS or other mobile messaging protocols, without revealing financial information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If complex interactions with multiple controllers and protocols are used for mobile transactions, then transaction capability is improved, but security and convenience deteriorate
Solution Approach 1:
The patent introduces an interchange as an intermediary component that mediates between the server and multiple mobile communication controllers. The interchange receives transaction requests from the server, determines the appropriate communication protocol, and routes the request to the corresponding controller. This eliminates the need for the server to directly interact with multiple different controllers, simplifying the transaction process while maintaining support for various protocols and improving security by centralizing protocol management.
2Adaptability or versatility
If multiple controllers and protocols are supported for mobile transactions, then adaptability is improved, but device complexity increases
Solution Approach 1:
The patent segments the system into distinct functional components: the server, the interchange, and multiple controllers. Each controller is responsible for a specific communication protocol, while the interchange manages the overall transaction routing. This segmentation allows the system to support multiple protocols without requiring the server to handle each protocol directly, thereby reducing overall system complexity while maintaining adaptability.
Solution Approach 2:
The interchange serves as a mediator that abstracts the complexity of multiple protocols from the server. It maintains knowledge of which controllers handle which protocols and manages the routing accordingly. This intermediary layer allows the system to support diverse protocols without increasing server complexity, as the interchange handles the protocol-specific logic.
3Adaptability or versatility
If financial information is transmitted through multiple intermediaries, then transaction versatility is improved, but security risks increase
Solution Approach 1:
The patent implements a controlled intermediary architecture where the interchange acts as a trusted mediator between the server and mobile controllers. The interchange is responsible for validating transactions and managing communication protocols, reducing security risks by centralizing security logic. Financial information is transmitted through this controlled intermediary rather than through multiple untrusted intermediaries, maintaining versatility while improving security through centralized validation and protocol management.
Data Source
AI summary
Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes an interchange coupled 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 controllers in different formats and to communicate with the common format processor in a common format. The common format processor is to instruct a first controller of the controllers, via a first converter of the converters, to communicate with a mobile phone at a mobile phone number of a user to confirm a request to add funds to an account of a user, if the user has not yet provided an advance authorization. If the user has provided the advance authorization, the interchange skips communications with the mobile phone to confirm the request.