Reusing E-Commerce Payment Profiles for In-Store Transactions
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Solution Overview
Problem
Existing mobile electronic payment systems require customers to re-enter their payment information for in-store purchases, which is inconvenient and does not leverage the existing e-commerce payment profiles.
Innovation Solution
A method and system that allow customers to reuse their e-commerce payment instruments for in-store purchases by associating a customer payment profile with a transaction identification, enabling seamless payment processing without the need to re-enter payment information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If customers use existing mobile electronic payment systems for in-store purchases, then payment processing can be completed, but customers must re-enter their payment information which is inconvenient and time-consuming
Solution Approach 1:
The system performs preliminary action by pre-loading customer payment information into the mobile application during e-commerce transactions. The payment instruments are stored in the mobile device's memory in advance, so when an in-store purchase is made, the information is already available and does not need to be re-entered. This resolves the contradiction by preparing the payment data beforehand, making the actual payment process both convenient and fast.
2Ease of operation
If customers manually re-enter payment information for each in-store purchase, then payment can be processed, but the process becomes complex and user-friendly experience deteriorates
Solution Approach 1:
The system implements self-service by automatically retrieving and using the customer's pre-stored payment information from the mobile application. The mobile device automatically pairs with the point-of-sale system and retrieves the appropriate payment instrument without requiring manual customer input. This eliminates the need for customers to navigate complex payment entry processes, maintaining simplicity while the system handles the complexity of payment instrument management in the background.
3Adaptability or versatility
If a unified payment system is implemented across e-commerce and in-store channels, then customer experience is improved, but system integration complexity increases
Solution Approach 1:
The system applies universality by designing a mobile application that serves multiple functions: it acts as both an e-commerce interface and an in-store payment terminal. The same mobile device and application handle both online shopping and brick-and-mortar purchases, eliminating the need for separate systems. The payment information stored in the mobile application is universally applicable across both channels, achieving cross-channel payment capability while using a single unified platform rather than multiple integrated systems.
Data Source
AI summary
Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.