Interchange Architecture for Mobile Transaction Routing
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Solution Overview
Problem
Current mobile communication systems for facilitating online transactions are inefficient in managing costs and security, particularly in transmitting messages to mobile devices, as they lack a unified approach to interface with various controllers and protocols, leading to higher transaction fees and potential security vulnerabilities.
Innovation Solution
A system that includes a data storage facility and an interchange with a common format processor and converters to interface with multiple mobile communication controllers, selecting the least cost path for message transmission and enhancing security through mobile phone confirmation of transactions, allowing for deposit and payment transactions via SMS, email, or other protocols.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple different controllers and protocols are used to interface with mobile communication systems, then the system can support more transaction methods (SMS, email, etc.), but the device complexity increases due to the need for multiple converters and interface protocols
Solution Approach 1:
The patent introduces an interchange as an intermediary component between the processing unit and multiple mobile communication controllers. This interchange contains multiple converters that translate between a common internal format and various external protocols (SMS, email, etc.), allowing the system to support diverse transaction methods while maintaining a unified internal processing architecture.
Solution Approach 2:
The processing unit is designed with universal functionality to handle multiple types of transactions (deposits, payments, bill payments) through a single unified interface. The system can process different transaction types and communicate with various mobile controllers through the same processing unit, reducing the need for separate dedicated hardware for each function.
2Loss of energy
If messages are transmitted through multiple paths via different controllers, then the system can find lower cost transmission routes, but the difficulty of detecting and measuring the optimal path increases
Solution Approach 1:
The system dynamically selects transmission paths based on real-time cost considerations. The processing unit evaluates multiple available paths through different controllers and dynamically chooses the least costly route for each transaction, allowing the system to adapt to changing cost conditions and optimize transaction fees.
Solution Approach 2:
The system incorporates feedback mechanisms to monitor and evaluate the costs associated with different transmission paths. By analyzing the responses and cost information from various controllers, the system can detect and measure the optimal path for message transmission, enabling informed decisions about which route to use for minimizing transaction fees.
3Device complexity
If a unified common format processor is used to interface with multiple controllers, then the system reduces complexity compared to having dedicated processors for each controller, but the loss of information may increase due to format conversions
Solution Approach 1:
The common format processor acts as an intermediary that maintains a standardized internal representation of transaction data. By converting all incoming and outgoing messages to this common format, the system reduces processor complexity while preserving information integrity through structured format definitions that ensure complete data representation across different protocols.
Data Source
AI summary
Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account and a phone number associated with the account and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is to select a first controller based at least in part on reducing cost, and to instruct the first controller of the controllers, via a first converter of the converters, to transmit a first message to a mobile device at the phone number to facilitate a transaction related to funds associated with the phone number.