Rich Messaging Payment Authorization Without Direct Data Access
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Solution Overview
Problem
Existing systems lack efficient methods for enabling rich messaging to facilitate payments in offline channels, particularly in transactions between customers and brands where sensitive information is not directly accessible by the end agent.
Innovation Solution
A framework is provided that enables rich messaging to obtain payments by transmitting authorization requests to a customer's device, prompting for authorization data, and using this data to retrieve payments without directly accessing sensitive information, through a system comprising processors, memory, and non-transitory computer-readable storage media.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the end agent directly accesses sensitive payment information, then payment processing is simplified, but security is compromised
Solution Approach 1:
The patent introduces an intermediary system comprising a messaging platform and payment processing service that mediates between the customer and end agent. The messaging platform transmits authorization requests to the customer's device, collects authorization data, and forwards it to the payment processing service, which then retrieves payments without the end agent ever accessing sensitive information directly.
2Reliability
If sensitive information is hidden from the end agent, then security is improved, but the end agent's ability to process payments is reduced
Solution Approach 1:
The patent segments the payment processing system into distinct functional components: the messaging platform for communication, the payment processing service for transaction handling, and the end agent for initiating requests. Each component performs its specific function without needing access to all information, allowing security to be maintained while preserving overall processing efficiency through clear division of responsibilities.
3Reliability
If a framework is implemented to transmit authorization requests, then security is enhanced, but the complexity of the messaging system increases
Solution Approach 1:
The messaging platform is designed with multi-functionality, serving both as a communication channel for rich messaging and as a transmission medium for authorization requests. The same messaging infrastructure that enables rich communication between customers and end agents is also used to securely transmit payment authorization data, eliminating the need for separate dedicated security infrastructure.
Data Source
AI summary
Disclosed embodiments provide a framework to enable rich messaging via offline channels to obtain payments for completion of business transactions. In response to a request to obtain information associated with a customer to support a transaction performed via a communications session, a messaging platform transmits a request to a computing device associated with the customer to obtain authorization for the information. In response to obtaining the authorization for the information from the computing device associated with the customer, the messaging platform uses the authorization at a processing service to obtain the information subject to the authorization. The information is provided to fulfill the initial request.