Payment Authorization System for Secondary User Purchase Control
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Solution Overview
Problem
Existing payment systems do not effectively limit purchases made by secondary users using payment accounts linked to primary users, potentially allowing unauthorized or inappropriate transactions, such as underage purchases of restricted items.
Innovation Solution
An information processing apparatus and system that acquire payment accounts and user IDs to determine if a secondary user has authorization to make payments, and if the intended purchase belongs to a disapproved category, transmitting a signal to the store terminal to prohibit payment processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If payment means linked with a first user are utilized by a second user, then payment convenience is improved, but unauthorized or inappropriate transactions may occur
Solution Approach 1:
The system performs preliminary actions by acquiring product category information before payment processing and determining whether the product belongs to a disapproved category in advance. This prevents unauthorized transactions from occurring in the first place, resolving the contradiction by maintaining both convenience (through pre-set authorization) and reliability (through pre-verification of product categories).
Solution Approach 2:
The system implements feedback by transmitting a signal to the store terminal indicating whether payment processing is permitted or not permitted based on the product category determination. This feedback mechanism ensures that only authorized transactions are processed, maintaining reliability while preserving convenience for approved purchases.
2Reliability
If product category verification is performed for second user purchases, then transaction control is improved, but processing complexity increases
Solution Approach 1:
The system segments the verification process by focusing only on determining whether the product belongs to a disapproved category, rather than performing comprehensive validation. This segmented approach improves transaction control for critical items while minimizing processing complexity by avoiding unnecessary verification steps for approved categories.
Solution Approach 2:
The system uses copying by transmitting a signal (information copy) to the store terminal indicating the payment permission status. This allows the server apparatus to perform the complex determination logic centrally while the store terminal simply executes based on the received signal, reducing local processing complexity while maintaining overall transaction control.
3Reliability
If payment limits are set for specific product categories, then purchase restriction effectiveness is improved, but system complexity increases
Solution Approach 1:
The system acquires product category information and determines disapproval status before payment processing occurs. This preliminary action establishes purchase restrictions in advance, making them highly effective while keeping the system simple because the determination logic is executed once beforehand rather than requiring complex real-time interventions during transactions.
Data Source
AI summary
An information processing apparatus comprises a controller comprising at least one processor configured to perform: acquiring a payment account linked with a first user, a user ID of a second user different from the first user, and first product information; determining based on the user ID of the second user whether utilization authority for payment means linked with the payment account is given to the second user; determining whether the first product belongs to a first product category that is a product category, for which purchase by the second user is disapproved of, if the controller determines that the utilization authority for the payment means is given to the second user; and transmitting a signal indicating that payment processing for the first product utilizing the payment means is not permitted, if the controller determines that the first product belongs to the first product category.