Server-Side Mobile Payment via URL Link and Biometric Auth
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Solution Overview
Problem
Existing mobile payment systems require users to download an application on their mobile devices, which can slow down adoption and limit the availability of mobile payment options for users browsing on larger devices like desktop computers or tablets.
Innovation Solution
A remote mobile payment system that uses a server to generate a URL link containing transaction information, which is sent to the mobile device, allowing users to authorize payments without the need for a mobile application, utilizing HTTPS sessions and biometric authentication for secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a mobile application is installed on the mobile device to enable mobile payment, then payment security and functionality are improved, but device complexity and user adoption time increase
Solution Approach 1:
The patent extracts the mobile payment functionality from the mobile device itself and relocates it to the server. The server now hosts the payment application and processes transactions remotely, while the mobile device only needs to provide authentication. This eliminates the need for users to install payment applications on their devices while maintaining secure payment processing through server-side implementation of EMV and tokenization protocols.
Solution Approach 2:
The patent introduces a server as an intermediary between the mobile device and the payment network. The server acts as a mediator that receives authentication from the mobile device and handles the actual payment processing, combining the convenience of mobile devices with the security of server-based payment systems. This intermediary approach allows the mobile device to remain simple while payments are processed securely through the server.
2Ease of operation
If mobile payment is implemented on larger devices like desktop computers or tablets, then browsing convenience is improved, but mobile payment capability is lost
Solution Approach 1:
The patent creates a universal payment system that works across multiple device types including mobile devices, tablets, and desktop computers. By implementing server-side payment processing with biometric authentication, the system enables payment functionality on any device with a web browser and biometric sensor, eliminating the limitation of device-specific payment applications while maintaining security standards.
3Reliability
If a mobile application is required for payment, then payment security is maintained, but user adoption speed decreases
Solution Approach 1:
The patent removes the requirement for mobile application installation by extracting payment processing functionality to the server. Users can immediately access payment capabilities through their existing mobile devices without downloading or installing additional software, dramatically accelerating adoption while maintaining security through server-side EMV and tokenization implementation.
Solution Approach 2:
The system performs preliminary authentication setup by leveraging existing biometric authentication mechanisms already present on mobile devices. By using pre-existing biometric sensors and authentication frameworks, the system eliminates the need for users to go through application installation and setup processes, enabling immediate payment functionality while maintaining strong security credentials.
Data Source
AI summary
A mobile payment method includes the steps of providing a mobile payment device having mobile payment capability and a mobile identity. Providing transaction information for a transaction and sending the transaction information to a server. The server prepares a URL link containing the transaction information and sends the URL link to the mobile payment device using the mobile identity. Clicking on the URL link sets up a HTTPS session and program script and validation token are downloaded to the mobile device. The payment can then proceed.