Mobile Payment Intermediary for Cross-Platform Account Management
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Solution Overview
Problem
Users face the inconvenience of managing multiple payment accounts across different devices, as existing systems are manufacturer-specific and do not allow for cross-platform identification, leading to a cumbersome payment process.
Innovation Solution
A method where payment means identification is transmitted from various devices to a mobile end device, which then deposits this information at a central authorization facility, allowing for uniform access to account information and secure payment processing, enabling users to manage multiple devices with a single account.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If users register separate accounts for each device or manufacturer, then device-specific payment functionality is achieved, but account management complexity increases and cross-platform identification is prevented
Solution Approach 1:
The patent introduces a mobile end device as an intermediary between the payment means and the central authorization facility. This mobile device manages multiple payment means identifications and coordinates with the authorization facility, allowing users to operate multiple devices through a single account while maintaining security. The mobile end device acts as the mediator that resolves the conflict between device-specific functionality and unified account management.
2Ease of operation
If a central authorization facility stores all payment means identifications, then unified account access across devices is enabled, but transmission and depositing of identification data increases communication overhead
Solution Approach 1:
The patent implements preliminary action by having the mobile end device transmit payment means identifications to the central authorization facility in advance, before actual payment transactions occur. This pre-registration process allows the authorization facility to store and validate all necessary identification data beforehand, so that during actual payments, the process is simplified and faster since the identifications are already authorized and stored.
3Adaptability or versatility
If multiple payment means are registered with a single account, then device versatility is improved, but security requirements for data transmission and storage increase
Solution Approach 1:
The patent replaces traditional mechanical security systems (physical cards, tokens) with an electronic identification and authorization system. Payment means are identified through electronic data transmission of unique identifiers to the mobile end device and subsequently to the central authorization facility. This substitution enables versatile device support while maintaining security through cryptographic authentication and centralized authorization management, rather than relying on physical security mechanisms.
Data Source
AI summary
A method for registering electronic payment means and a registration arrangement which is adapted accordingly. Further, a computer program product is proposed having control commands that implement the proposed method and/or operate the proposed registration arrangement.