Processor Routing Number for Mobile Payment Billing
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Solution Overview
Problem
Current mobile payment systems rely on unique credit card numbers for each user, which are costly to maintain and do not provide adequate privacy, as multiple nodes in the payment network can identify the specific payer, and existing systems lack efficient mechanisms for service provider billing and secure transactions.
Innovation Solution
A mobile communication device uses a processor routing number managed by the mobile communication service provider, which is shared among multiple devices, and metadata to identify the specific payer, enabling secure service provider billing and reducing the need for unique credit card numbers, while maintaining compatibility with existing payment systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If unique credit card numbers are used for each user, then payment security is maintained, but system cost increases and privacy is compromised
Solution Approach 1:
The patent applies universality by introducing a shared processor routing number that serves multiple mobile devices and users. Instead of each user having a unique credit card number, a single processor routing number is provisioned to the payment processor and can be used by multiple devices to initiate payments, while the actual billing is routed to the appropriate mobile communication service provider accounts through metadata association.
2Ease of operation
If unique credit card numbers are stored in mobile devices, then payment transactions can be completed, but device security risk increases due to storage of sensitive information
Solution Approach 1:
The patent extracts the sensitive credit card number storage function from the mobile device. Instead of storing unique credit card numbers in each device's memory or secure element, the system uses a shared processor routing number that is transmitted to the payment processor. The actual billing information is associated through metadata (device identifiers, phone numbers) rather than storing sensitive payment data in the device.
3Productivity
If multiple nodes in the payment network can identify the specific payer, then payment processing is simplified, but user privacy is reduced
Solution Approach 1:
The patent segments the payment identification function into two parts: a shared processor routing number for routing payments to the correct service provider, and metadata (device identifiers, phone numbers) for identifying the specific payer. This segmentation allows the payment network to process payments efficiently using the routing number while limiting exposure of personal identifying information, as the processor routing number itself does not contain embedded personal identifiers.
4Adaptability or versatility
If service provider billing is implemented, then mobile communication service providers can be billed directly, but new system complexity is introduced
Solution Approach 1:
The patent introduces an intermediary metadata layer that bridges the shared processor routing number system and the service provider billing system. The metadata includes device identifiers, phone numbers, and other information that allows the payment processor to route the billing request to the appropriate mobile communication service provider. This intermediary approach enables service provider billing without requiring complex direct integration between each device and service provider billing systems.
Data Source
AI summary
A method of billing a payment transaction to a mobile communication service account. The method comprises receiving a request for mobile communication service provider billing approval from a payment processor, wherein the request comprises one of a phone number associated with a mobile communication service account or an equipment identification of a mobile communication device associated with the mobile communication service account, wherein the request comprises a processor routing number, wherein the processor routing number is consistent in format with one of a block of credit card numbers maintained by a mobile communication service provider, and wherein the processor routing number is used by different mobile communication devices associated with different mobile communication service accounts to complete payments. The method further comprises identifying the service account based on one of the phone number or the equipment identification of the mobile communication device, and charging to the mobile communication service account.