POS Transaction Decline Resolution Using Mobile Driver's License
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Solution Overview
Problem
Conventional payment systems face inefficiencies and limitations in managing transaction declinations, leading to computational complexity and security issues, as users often need to manually resolve transaction denials at the point-of-sale (POS) using email notifications or smart mobile wallets that lack the ability to facilitate transaction declination management.
Innovation Solution
A smart mobile wallet management system that utilizes a mobile driver's license (mDL) for user authentication to automatically resolve transaction declinations by determining if the declination reason is in an exception set, allowing the transaction to proceed securely without manual user intervention.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional payment systems automatically decline transactions based on fraud analysis, then security is improved, but false positives cause valid transactions to be blocked
Solution Approach 1:
The patent introduces an mDL-based authentication intermediary that sits between the fraud analysis system and the transaction approval process. When fraud analysis flags a transaction, the system uses mDL authentication as a mediator to verify the user's identity and intent, allowing legitimate transactions to proceed while blocking actual fraud.
Solution Approach 2:
The system performs preliminary mDL authentication checks before final transaction approval when fraud analysis flags a transaction. This preliminary action verifies the user's identity and location in advance, enabling faster resolution of flagged transactions without compromising security.
2Reliability
If users manually resolve transaction declinations through email notifications or web accounts, then transaction security is maintained, but computational complexity and time consumption increase
Solution Approach 1:
The patent enables self-service resolution of transaction declinations through mDL-based authentication. When a transaction is flagged, the system automatically prompts the user at the POS terminal to authenticate using their mDL, which resolves the declination instantly without requiring manual intervention through email or web accounts.
Solution Approach 2:
The system replaces the mechanical process of manual account access, email checking, and web-based authorization with automated mDL cryptographic authentication. This substitution eliminates the need for users to navigate complex resolution processes while maintaining security through cryptographic verification.
3Reliability
If users access their accounts manually to resolve transaction issues, then transaction security is verified, but time consumption and network resource usage increase
Solution Approach 1:
The system performs preliminary mDL authentication at the POS terminal when a transaction is flagged, verifying the user's identity and location before completing the transaction. This preliminary verification eliminates the need for subsequent account access and manual authorization steps.
Solution Approach 2:
The patent enables users to skip the traditional multi-step resolution process (email notification, account login, manual authorization) by using mDL authentication directly at the POS terminal. This allows users to rush through the verification process in a single step, significantly reducing resolution time.
4Ease of operation
If conventional smart mobile wallets are used for payments, then payment convenience is improved, but the ability to manage transaction declinations is lacking
Solution Approach 1:
The patent extends the smart mobile wallet's functionality to include both payment processing and transaction declination management. The mDL-based authentication system serves multiple purposes: it verifies user identity for payments, resolves flagged transactions, and provides location verification, making the wallet a universal tool for both payment and issue resolution.
Solution Approach 2:
The system merges the payment function and the transaction resolution function into a single mDL-based authentication process. Instead of requiring separate systems for payments and declination management, the patent combines both functions into the mobile wallet, allowing users to handle both operations through one interface.
Data Source
AI summary
Systems, apparatuses, methods, and computer program products are disclosed for providing automatic issue resolution at a point-of-sale (POS). An example method includes receiving a transaction attempt at a POS, where the transaction attempt is associated with a payment account of a user. The example method further includes determining whether the transaction attempt should be declined, where determining whether the transaction attempt should be declined comprises determining at least a first transaction declination reason associated with the transaction attempt and determining whether the transaction declination reason is comprised in a transaction declination exception set associated with the payment account. The example method further includes, in response to determining that the first transaction declination reason is comprised in the transaction declination exception set, authenticating the user based on a mobile driver's license associated with the user and, in response to successfully authenticating the user based on the mDL, allowing the transaction attempt.