Remote Pay Messaging System for Contactless Transaction Security
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Solution Overview
Problem
Conventional payment methods, especially those involving physical contact or manual data entry, pose security risks and health concerns due to the potential for pathogen transmission and lack direct auditable communication channels between customers and merchants.
Innovation Solution
A remote pay messaging system that utilizes a network-based system with a computer program on a merchant device, a communication device, and a transaction processing system to facilitate secure transactions through SMS or MMS messages, allowing customers to complete payments on their own devices without physical contact.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If a customer makes a purchase at a merchant's physical location using a card or digital wallet, then the payment can be completed quickly, but the card or device must touch the merchant's terminal which can lead to transfer of viruses or bacteria
Solution Approach 1:
The patent introduces an intermediary communication channel (messaging system) between the customer and merchant that allows payment authorization without direct physical contact. The customer receives a payment request message on their device, reviews the transaction details, and approves or declines the payment remotely, eliminating the need for card-to-terminal contact while maintaining secure payment processing.
2Productivity
If a customer provides payment information over the phone, then the transaction can be completed, but security and PCI issues arise related to recording payment card numbers and PINs
Solution Approach 1:
The patent extracts the sensitive payment data entry process from the traditional phone order workflow. Instead of manually inputting card details over the phone, the system sends a secure payment request message containing the transaction details to the customer's device, where the customer can safely review and approve the payment without exposing card information to potential eavesdropping or recording.
3Ease of operation
If a customer provides a payment card to a merchant employee for processing, then the payment can be completed, but health and security risks arise from the employee handling the card
Solution Approach 1:
The patent enables the customer to self-service the payment authorization process. The customer receives the payment request on their own device, reviews the transaction details, and provides approval independently without requiring the merchant employee to handle the physical card or device. This maintains operational simplicity while eliminating health and security risks associated with card handling.
4Productivity
If conventional payment systems are used, then transactions can be processed, but there is no direct auditable communication channel between customer and merchant
Solution Approach 1:
The patent implements a feedback mechanism where the messaging system provides direct communication between customer and merchant throughout the payment process. The customer receives the payment request message, can review transaction details, and provides explicit approval or decline feedback. This creates an auditable communication trail that documents the entire payment authorization process, enhancing transparency and accountability.
Data Source
AI summary
A computer operable method of processing a current transaction between a merchant device and a customer device, including: receiving a command for remote payment from a computer application program on a computer system in a merchant network; receiving said transaction data from the computer application program; said transaction data containing phone number or unique identifiable data element for the customer; generating a message which contains a clickable link; sending a short messaging service (SMS) or multimedia messaging service (MMS) based on the message that is generated; displaying a web page with payment options when link is clicked; directing data transmission to different payment gateways from the payment options displayed on the web page; receiving data from different payment gateways based on the payment option selected; and transmitting said received data from a payment gateway to the originating merchant device.