Proxy Mobile Device for Remote Payment Authorization
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Solution Overview
Problem
Existing digital wallet systems cannot facilitate remote payment transactions without the physical presence of the user's device at the point-of-sale, limiting the ability to authorize payments for others, such as from a parent to a child.
Innovation Solution
A system utilizing a remote mobile computing device and a local proxy mobile computing device, where the local device acts as a proxy to initiate and complete payment transactions with a point-of-sale device, communicating securely over a network to receive payment information from the remote device, establishing a trusted relationship through encryption and near-field communication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If digital wallet uses contactless communication with point-of-sale device, then payment transaction can be completed quickly and securely, but the user's device must be physically present at the point-of-sale which limits remote payment authorization
Solution Approach 1:
The patent introduces a proxy mobile computing device as an intermediary that can initiate payment transactions on behalf of the remote user. The proxy device establishes a trusted relationship with the point-of-sale device and communicates with the user's digital wallet remotely, enabling payment authorization without physical presence of the user's device at the point-of-sale.
Solution Approach 2:
The payment authorization process is segmented into multiple components: the user's mobile device holds the digital wallet and payment credentials, the proxy device initiates and communicates with the point-of-sale device, and a trusted relationship mechanism enables secure remote interaction. This segmentation allows each component to perform its specific function while maintaining security.
2Reliability
If the digital wallet is integrally associated with the user's smartphone, then security and authenticity are maintained, but the user cannot extend use of their credit account to another remote individual
Solution Approach 1:
The proxy mobile computing device serves as a trusted intermediary that can access the user's payment information through the digital wallet and extend their credit account to another individual. The proxy device maintains the security association with the digital wallet while enabling remote payment authorization for third parties.
Solution Approach 2:
The system establishes a trusted relationship between the proxy device and the point-of-sale device in advance, allowing the proxy to initiate payment transactions on behalf of the user without requiring physical presence during the actual payment. This preliminary setup enables remote payment authorization while maintaining security.
3Reliability
If physical presence at point-of-sale is required for digital wallet transactions, then direct control and security are maintained, but convenience and flexibility for remote payments are lost
Solution Approach 1:
The proxy mobile computing device acts as a secure intermediary that can initiate and complete payment transactions remotely on behalf of the user. It maintains trusted relationships with both the user's digital wallet and the point-of-sale device, enabling remote payment convenience without sacrificing security through improper intermediaries.
Data Source
AI summary
A method, device, and system for conducting trusted payment transactions including establishing a trust relationship between a first mobile computing device and a second mobile computing device. The first mobile computing device may initiate a payment transaction with a point-of-sale device, communicate with the second mobile communication device to retrieve payment information from the second mobile communication device, and complete the payment transaction with the point-of-sale device using the payment information. The second mobile computing device is configured to verify the user and identity of the first mobile computing device prior to providing the payment information. Communications between the mobile computing devices may be encrypted using pre-determined encryption techniques.