Payment Chat Bot Coupling for Seamless Transaction Processing
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Solution Overview
Problem
Users face difficulties in accessing and initiating transactions with their financial accounts within chat sessions, leading to a cumbersome experience that may discourage their use of chat sessions for financial interactions.
Innovation Solution
A method is introduced where a payment chat bot and a merchant chat bot communicate through a chat session to couple a payment session between a payment server and a merchant server, allowing users to initiate and process transactions seamlessly within the chat environment, even without direct access to the payment or merchant servers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users access financial accounts through traditional methods outside chat sessions, then security and account management are maintained, but user convenience and ease of operation deteriorate
Solution Approach 1:
The patent introduces chat bots as intermediary components that facilitate secure communication between users and financial systems within the chat session environment. The payment chat bot and merchant chat bot act as mediators that enable transaction processing without requiring users to leave the chat interface or directly access complex financial systems, thus improving ease of operation while maintaining security through the intermediary layer
2Productivity
If users are redirected to external applications for transactions, then security protocols are maintained, but user experience and time efficiency worsen
Solution Approach 1:
The patent merges the transaction processing functionality directly into the chat session environment by coupling the payment chat bot with the merchant chat bot. This integration allows users to complete transactions without switching applications or leaving the chat interface, significantly reducing the time required to complete transactions while maintaining security through the established chat session framework
3Ease of operation
If direct access to payment servers is provided in chat sessions, then ease of operation improves, but security and system reliability may worsen
Solution Approach 1:
The patent employs chat bots as secure intermediaries that handle all communication with payment servers. Users interact only with the payment chat bot within the chat session, which then securely communicates with the payment server on their behalf. This intermediary approach maintains ease of operation for users while preserving security by preventing direct exposure to server infrastructure and maintaining controlled communication channels
4Adaptability or versatility
If chat bots are coupled to enable payment sessions, then transaction functionality is improved, but system complexity increases
Solution Approach 1:
The patent designs chat bots with multi-functional capabilities that can operate in multiple modes: standard chat communication, payment session initiation, and transaction processing. The payment chat bot and merchant chat bot are configured to perform various functions including receiving user input, communicating with servers, and facilitating transactions. This universality reduces the need for separate specialized components, thereby managing system complexity while maintaining high adaptability for different transaction scenarios
Data Source
AI summary
A payment chat bot can access a first chat text provided in a chat session by a merchant chat bot. The chat session is hosted by a chat service for communication between a plurality of chat application instances, where the payment and merchant chat bots simulate chat application instances. The method includes determining, based on the first chat text, whether to couple a payment session between a payment server and a merchant server for processing a payment transaction initiated from a chat application instance via the chat session. The method includes, in response to a determination to couple the payment session, coupling the payment session between the payment server and the merchant server.