Mobile Payment Event Plug-in for Timeout Prevention

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Mobile e-commerce transactions often timeout due to disruptions such as incoming calls or loss of internet connection, requiring users to re-enter payment information, which is time-consuming and inconvenient.

Innovation Solution

A mobile application with an event plug-in that monitors potential disruptions and requests additional time from financial institutions for user input, allowing users to complete transactions without interruption.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the system uses a payment gateway with time-limited authorization for mobile payments, then transaction security is improved, but the user experience deteriorates when disruptions occur causing timeouts

Engineering Contradiction:

Improvetransaction securityVSAvoiduser experience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary actions by detecting potential disruptions (incoming calls, low battery, signal loss) before they cause transaction timeouts. The event plug-in proactively identifies these conditions and requests additional time from the payment gateway, preventing the timeout from occurring in the first place and avoiding the need for users to re-enter payment information

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The event plug-in acts as an intermediary between the mobile application and the payment gateway. It monitors device events and communicates with the payment gateway to request additional authorization time, mediating between the user's transaction and potential disruptions without requiring user intervention

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If the system requires users to complete all payment inputs within a fixed time period, then transaction processing speed is improved, but the system reliability worsens when external disruptions occur

Engineering Contradiction:

Improvetransaction processing speedVSAvoidtransaction completion

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The system dynamically adjusts the authorization time period based on detected device events. When disruptions such as incoming calls, low battery, or signal loss are detected, the system requests and receives extended time from the payment gateway, making the time constraint flexible rather than fixed to accommodate real-world usage conditions

Inventive Principle:

Principle #15Dynamics

3Reliability

If the system implements strict timeout termination for incomplete transactions, then security against unauthorized transactions is improved, but user convenience deteriorates when interruptions occur

Engineering Contradiction:

Improvesecurity against unauthorized transactionsVSAvoiduser convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system applies preliminary anti-action by preventing timeout termination before it occurs. The event plug-in detects disruptions and requests additional time in advance, counteracting the potential timeout effect and maintaining the transaction state without compromising security, since the extension is granted by the payment gateway based on verified events

Inventive Principle:

Principle #9Preliminary anti-action

Data Source

PatentUS10395235B2Smart mobile application for E-commerce applications

Publication Date: 2019.08.27 INTERNATIONAL BUSINESS MACHINE CORPORATION

AI summary

An approach using one or more computer processors to send a request from a user for a mobile payment to a payment gateway and to determine that an event has occurred on a mobile computing device of a user. The approach includes sending a request for additional transaction time for the mobile payment.