Reply-to-Buy Transaction Obfuscation via Sender Address Masking
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Solution Overview
Problem
Current electronic transaction systems require significant user interaction, leading to cart abandonments due to the complexity of completing transactions, especially when consumers need to input purchasing information and navigate between applications.
Innovation Solution
A method and apparatus for electronic transactions based on a reply message, where a computer-executable method receives a 'reply to buy' (RTB) identifier and validation code, authenticates the code, and transmits a purchase order message to a recipient device, allowing for streamlined transactions without the need for explicit input of transaction information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If consumers are required to input purchasing information and navigate between applications to complete electronic transactions, then transaction security and information accuracy are improved, but user interaction complexity increases leading to cart abandonment
Solution Approach 1:
The system performs preliminary actions by pre-populating transaction forms with consumer information stored in profiles before the consumer needs to input it. The consumer's name, address, payment information, and other purchasing details are automatically retrieved and filled in during the transaction process, eliminating the need for manual entry while maintaining security through authenticated access to stored profiles.
Solution Approach 2:
The patent introduces an intermediary system that acts as a bridge between the consumer and the transaction processing system. This intermediary automatically manages the exchange of information by retrieving pre-stored consumer data, populating transaction forms, and handling the coordination between different applications, thereby reducing direct user interaction complexity while maintaining transaction integrity.
2Reliability
If consumers are required to select links or activate secondary applications to complete transactions, then transaction verification is improved, but the number of steps required increases reducing transaction completion rates
Solution Approach 1:
The system merges multiple transaction steps into a single streamlined process. By combining the verification, information retrieval, form population, and transaction submission into one automated workflow triggered by a single consumer action, the system reduces the number of discrete steps the consumer must manually execute while maintaining verification integrity through backend authentication processes.
Solution Approach 2:
The system implements self-service by automatically performing verification and information gathering tasks without requiring the consumer to manually navigate through multiple applications or steps. The consumer's information is automatically retrieved from stored profiles, forms are auto-filled, and transactions are processed with minimal intervention, allowing the system to serve itself in completing verification and data collection functions.
3Measurement precision
If consumers must manually input purchasing information in secondary applications, then data accuracy is improved, but time required to complete transactions increases
Solution Approach 1:
The system performs preliminary actions by pre-storing accurate consumer purchasing information in authenticated profiles before transactions occur. During the transaction process, this pre-stored data is automatically retrieved and populated into forms, eliminating the time-consuming manual input process while maintaining data accuracy through the use of previously verified and stored information.
Solution Approach 2:
The system creates and uses copies of the consumer's purchasing information that are stored in digital profiles. Instead of requiring the consumer to re-enter original data during each transaction, the system retrieves and copies the pre-stored information, automatically populating transaction forms with accurate data from these digital copies, thereby dramatically reducing transaction completion time while preserving data integrity.
Data Source
AI summary
Embodiments are provided that improve cybersecurity and data privacy, specifically by obfuscating a sender address utilized to generate, transmit, and/or otherwise cause transmission a corresponding message corresponding to at least one received RTB reply message. Some example embodiments cause provision of at least one reply to buy (RTB) prompt to a sender device, receive a RTB reply message associated with the sender device in response to the at least one RTB prompt, parse, from the RTB reply message, at least a first sender address associated with the RTB reply message, generate a transaction address by at least obfuscating the first sender address associated with at least the RTB reply message, and cause transmission of a message associated with the RTB reply message to a recipient device, the message comprising the transaction address indicated as a second sender address associated with the message.