Mobile Operator Payment System Using Hybrid Network Identification
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing payment systems struggle to efficiently combine mobile communication network-based subscriber identification with web browser-based client identification, leading to unreliable buyer system identification and requiring pre-payment for digital goods.
Innovation Solution
A mobile network operator-based payment system that identifies users through PDU sessions and generates or utilizes tokens and fingerprints, associating them with a wallet for secure and efficient payment processing across various networks.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a payment system uses browser fingerprinting to identify buyers, then registration can be avoided, but identification reliability deteriorates due to script failures and device variability
Solution Approach 1:
The patent combines mobile network-based identification (using IMSI, IMEI, or other device identifiers from the mobile network) with browser fingerprinting to create a hybrid identification system. This merging allows the system to leverage the reliability of mobile network identification while maintaining the convenience of no-registration payment, thereby resolving the contradiction between ease of operation and identification reliability.
2Reliability
If a payment system requires pre-payment before digital goods delivery, then seller risk is reduced, but buyer convenience deteriorates
Solution Approach 1:
The system performs preliminary identification and authorization of the buyer through mobile network-based device identification before the purchase transaction. This preliminary action establishes trust and enables the system to offer post-payment options without compromising security, as the buyer's device has already been verified. This resolves the contradiction by shifting the timing of payment while maintaining security through advance identification.
3Reliability
If a payment system uses only mobile network identification, then identification reliability improves, but adaptability to non-mobile networks deteriorates
Solution Approach 1:
The patent creates a universal identification system that can operate across multiple network types. The system primarily uses mobile network identification when available (providing high reliability) but can fall back to browser fingerprinting and other identification methods when accessed from non-mobile networks or devices. This multi-functional approach maintains identification reliability while ensuring adaptability across different network environments.
Data Source
AI summary
A method, including the steps of: a) receiving, over a mobile communication network, a user device identifier based on information maintained by a database of the mobile communication network, and first purchase price information from an internet-accessible merchant, b) determining whether a data token is maintained in a memory of the user device, c) generating and transmitting the data token to the user device for storage when the token is not maintained, d) determining, based on the user device identifier, a credit worthiness indicator for the user device, e) transmitting an authorization signal for the requested purchase without concurrently requiring payment when the creditworthiness indicator satisfies predetermined conditions, f) monitoring a total outstanding purchase balance, and g) transmitting a request signal for the user device for settlement of at least a part of the total outstanding purchase balance if this exceeds a predetermined threshold amount.