Mobile Payment Gateway for E-Commerce Authentication
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Mobile wallet consumers are restricted in their options to make purchases at traditional e-commerce websites, which primarily accept credit/debit/stored value card numbers as payment credentials, not mobile phone numbers.
Innovation Solution
A method and system that allows Mobile consumers to use their mobile telephone number as a payment credential linked to a payment account number, utilizing a Mobile Payment Gateway to map and authenticate mobile account transactions, enabling transactions at e-commerce websites by linking mobile numbers to payment accounts.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If e-commerce websites accept only credit/debit/stored value card numbers as payment credentials, then transaction security and compatibility with existing payment systems are maintained, but mobile wallet consumers are restricted in their options to make purchases
Solution Approach 1:
The patent introduces a Mobile Payment Gateway as an intermediary component that translates mobile wallet payment credentials into traditional payment card formats. The gateway receives mobile payment requests, maps mobile account information to equivalent card network formats, and forwards translated requests to existing payment processors, thereby enabling mobile consumers to use their wallets at traditional e-commerce sites without modifying the existing payment infrastructure
Solution Approach 2:
The Mobile Payment Gateway is designed to support multiple mobile wallet standards and protocols simultaneously, allowing a single gateway infrastructure to handle diverse mobile payment formats. This multi-functional capability enables the system to accommodate various mobile payment technologies while maintaining a unified interface with traditional payment systems
2Ease of operation
If mobile phone numbers are used as payment credentials linked to payment account numbers, then mobile consumers can make purchases at e-commerce websites, but additional authentication and mapping mechanisms are required
Solution Approach 1:
The system performs preliminary mapping between mobile phone numbers and payment account numbers during a registration phase. Mobile consumers pre-register their mobile identifiers and associated payment accounts in the Mobile Payment Gateway database before making purchases. This advance preparation eliminates the need for complex real-time mapping during transactions, reducing processing complexity while maintaining ease of use
Solution Approach 2:
The Mobile Payment Gateway automatically retrieves and translates mobile payment credentials using the consumer's mobile phone number as the key identifier. The system self-manages the authentication process by verifying the mobile number against registered accounts and automatically completing the credential translation without requiring manual intervention from the consumer or complex user-side authentication mechanisms
Data Source
AI summary
A method and system include receiving a payment authorization request that comprises payment data and a Mobile Station International Subscriber Directory Number (MSISDN) associated with a mobile device; verifying the MSISDN by comparing MSISDN to a subscriber database; generating a message to verify a payment transaction, after the MSISDN is validated; receiving the verification message at the mobile device; verifying the payment transaction by transmitting a mobile personal identification number (PIN) associated with the MSISDN in response to the verification message; generating an authorization message indicating the payment transaction is one of approved or declined; and transmitting the authorization message. Numerous other aspects are provided.