Payment Network Intermediary for Secure Content Delivery
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Solution Overview
Problem
Current methods for delivering electronic content lack efficiency and security, particularly in ensuring delivery and providing remedies for glitches, and fail to effectively link electronic content delivery with traditional payment data.
Innovation Solution
A framework for delivering non-financial electronic content through a secure communications channel between a payment processing network and a consumer device, which establishes a trusted channel for secure transmission and guarantees delivery, allowing for easier patching and linking with financial transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If electronic content is sent directly from merchant to purchaser, then delivery speed is improved, but security and delivery assurance deteriorate
Solution Approach 1:
The payment processing network acts as an intermediary between the merchant and the purchaser's access device. Electronic content is first transmitted to the payment processing network, which then securely forwards it to the access device through an established secure communications channel. This intermediary role ensures both security and reliable delivery confirmation while maintaining efficient transmission.
2Reliability
If secure communications channel is established through payment processing network, then security and delivery assurance are improved, but transmission complexity increases
Solution Approach 1:
The payment processing network performs multiple functions: it processes financial transactions, establishes secure communications channels, receives and forwards electronic content, and provides delivery confirmation. By consolidating these diverse functions into a single multi-functional platform, the system avoids the complexity that would arise from separate specialized systems for each function.
3Adaptability or versatility
If payment processing network acts as guarantor for content delivery, then consumer protection is improved, but system complexity increases
Solution Approach 1:
The system merges the content delivery guarantee function with the existing payment processing infrastructure. The same network that handles financial transactions also provides delivery confirmation and content forwarding services. This consolidation leverages existing trust relationships and infrastructure rather than creating a separate guarantee system, thereby providing consumer protection without proportionally increasing system complexity.
Data Source
AI summary
A method for delivering non-financial electronic data through a secure communications channel between a payment processing network and an access device is disclosed. One embodiment of the invention is directed to a method comprising receiving, at a payment processing network, a request to establish a secure communications channel between a consumer device and the payment processing network. Upon establishing a secure communications channel with the consumer device, the payment processor network receives non-financial electronic content from a merchant at the payment processing network where the non-financial electronic content is selected at the merchant by a user associated with the consumer device. The non-financial electronic content is sent to the consumer device from the payment processing network via the secure communications channel between the consumer device and the payment processing network.