Purchase Platform Redirection for Secure Transaction Routing
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The rise of e-commerce has led to increased online fraud, with consumers' card information being vulnerable on less secure online platforms, resulting in higher fraud liability for merchants, while card-present transactions are considered more secure, leading to a need for a system that can redirect transactions to more secure platforms.
Innovation Solution
A purchase platform redirection (PPR) system that includes a processor to receive a checkout request, determine if the initial platform is not secure, and if a more secure platform is available, generates a redirection message with contact information for the account-holder to complete the transaction on the recommended platform.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If merchants accept online purchases on less secure e-commerce platforms, then consumer convenience and e-commerce growth are improved, but fraud liability and security risks increase
Solution Approach 1:
The patent introduces an intermediary system (the redirection system) that mediates between the consumer's initial purchase platform and the secure purchase platform. This intermediary receives purchase requests, evaluates security levels, and redirects transactions to appropriate platforms, thereby maintaining consumer convenience while ensuring transaction security through the mediation process.
Solution Approach 2:
The system dynamically evaluates the security level of purchase platforms and adapts the transaction flow in real-time. Based on the assessed security level and available secure platforms, the system dynamically redirects transactions, making the security mechanism flexible and adaptive rather than static, thus resolving the contradiction between convenience and security.
2Reliability
If merchants redirect all transactions to secure card-present platforms, then fraud liability is reduced, but consumer convenience and transaction speed decrease
Solution Approach 1:
The patent applies local quality by evaluating and applying different security measures to different transactions based on their specific characteristics. Rather than uniformly redirecting all transactions to secure platforms, the system assesses each transaction's security level and only redirects when necessary, applying security measures locally to specific high-risk transactions rather than globally to all transactions.
Solution Approach 2:
The system performs partial action by implementing security redirection only for transactions that require it, rather than applying the security measure to all transactions. This selective approach avoids the time loss that would result from universal redirection, while still providing adequate fraud protection for transactions that need it.
3Reliability
If merchants implement purchase platform redirection systems, then transaction security is improved, but system complexity increases
Solution Approach 1:
The patent implements a universal redirection system that can handle multiple purchase platforms, payment types, and security scenarios through a single integrated system. This multi-functional system evaluates different platform security levels, manages various secure purchase platforms, and handles diverse transaction types, thereby reducing the need for separate security systems for different scenarios and managing complexity through universality.
4Reliability
If merchants assume fraud liability for online purchases, then consumer trust is improved, but merchant profitability decreases
Solution Approach 1:
The redirection system acts as an intermediary that helps merchants manage fraud liability by automatically routing transactions to secure platforms. This intermediary function reduces the burden on merchants to individually assess and manage fraud risk across all transactions, thereby maintaining consumer trust while reducing the direct cost burden on merchants through automated security management.
Data Source
AI summary
A purchase platform redirection (PPR) computing device is provided, the PPR computing device configured to receive a checkout request associated with a transaction initiated at an initial purchase platform by an account-holder. The checkout request includes an identifier of the initial purchase platform and an account-holder account identifier of the account-holder's payment account. The PPR computing device is also configured to determine that the initial purchase platform is not a recommended purchase platform, and determine, using at least the account-holder account identifier, whether the recommended purchase platform is available to the account-holder. The PPR computing device is further configured to generate a redirection message including contact information associated with the account-holder for the recommended purchase platform, if the recommended purchase platform is available, and facilitate transmission of the redirection message, further including a link for the account-holder to complete the transaction at the recommended purchase platform, to the account-holder.