Mobile Payment Authentication Integration
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Solution Overview
Problem
Current online payment systems for portable electronic devices are cumbersome, requiring users to manually select payment options and authenticate transactions, which can be inconvenient and insecure, especially when dealing with multiple online merchants.
Innovation Solution
A mobile payment services integration system that authenticates portable electronic devices and provides a list of prearranged payment options, allowing users to complete transactions with a single keystroke by integrating customer authentication and payment services within the online merchant's virtual storefront, using a mobile payment server to manage secure transactions without exposing account details.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users manually select payment options and authenticate transactions for each online purchase, then payment security is maintained, but transaction time and user convenience deteriorate
Solution Approach 1:
The system performs preliminary authentication of the portable device and pre-arranges payment options before the actual transaction occurs. The mobile payment server authenticates the device identity and stores approved payment methods in advance, so that during checkout the user simply selects from pre-approved options without needing to re-authenticate or manually enter payment details for each transaction.
2Adaptability or versatility
If users manually enter payment information for each transaction, then payment flexibility is maintained, but ease of operation deteriorates
Solution Approach 1:
The system pre-arranges multiple payment options during initial device authentication and stores them securely in the mobile payment server. During transactions, users can quickly select from their pre-configured payment methods without manually entering information, combining the flexibility of multiple payment options with the ease of simple selection.
Solution Approach 2:
The system allows users to configure their own payment preferences and options in advance, creating a self-service payment system where the user's device automatically manages their payment information and presents appropriate options during transactions without requiring manual intervention for each purchase.
3Productivity
If account details are transmitted to merchants for payment processing, then payment processing capability is improved, but security risk increases
Solution Approach 1:
The system extracts sensitive account details from the transaction flow entirely. The mobile payment server processes payments using authenticated device identity without transmitting actual account information to merchants. The merchant receives payment confirmation without ever seeing or handling sensitive financial data, eliminating the security risk while maintaining full payment processing capability.
Solution Approach 2:
The mobile payment server acts as an intermediary between the user's portable device and the online merchant. It authenticates the device, selects or receives payment options, processes the transaction, and communicates only with the merchant's payment gateway without exposing account details. This intermediary layer enables payment processing while protecting sensitive information from merchant exposure.
Data Source
AI summary
A mobile payment services integration system is provided. The system comprises a computer system and an application, that when executed on the computer system, maintains a list of payment options associated with a portable electronic device. The system also authenticates an identity of the portable electronic device in connection with a first online purchase transaction with a first online merchant. The system also orders payment using one of the payment options to the first online merchant. The system also authenticates the identity of the portable electronic device in connection with a second online purchase transaction with a second online merchant, where the first online merchant is unaffiliated with the second online merchant. The system also orders payment using one of the payment options to the second online merchant.