Telephone Payment Signalling Routing for Latency Reduction
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Conventional telephone payment processes that route all calls through a third-party payment processing system, even for non-payment related calls, result in increased latency and bandwidth requirements, as they are set up to handle potential payments, leading to inefficiencies.
Innovation Solution
A method that routes the signalling component of a telephone call through a payment service system while routing the media component directly to the merchant/service provider, allowing for real-time indication of payment requirements and redirection of the media component through the payment service system only when a payment is needed, thereby extracting and processing payment details efficiently.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If all telephone calls are routed through a third-party payment processing system to enable potential payments, then payment security and processing capability are improved, but call latency and bandwidth requirements increase
Solution Approach 1:
The telephone call is segmented into two separate components: a signalling component that carries payment-related information and a media component that carries the audio conversation. The signalling component is routed through the payment processing system for security verification, while the media component is routed directly to the merchant, allowing payment processing without forcing the entire call through the payment system.
Solution Approach 2:
The payment signalling information is extracted from the general telephone call and handled separately through the payment processing system. This allows the payment security requirements to be met while the main call flow continues independently, reducing overall latency.
2Adaptability or versatility
If all telephone calls are routed through a third-party payment processing system, then payment capability is ensured, but bandwidth requirements and system complexity increase
Solution Approach 1:
By separating the signalling component from the media component, only the essential payment-related signalling data needs to be transmitted through the payment processing system, significantly reducing the bandwidth requirements compared to transmitting the entire call through the payment system.
3Productivity
If the media component is routed directly to the merchant without payment system involvement, then call efficiency is improved, but payment security may be compromised
Solution Approach 1:
The signalling component acts as an intermediary that carries payment verification information through the payment processing system. This intermediary signalling pathway ensures payment security is maintained through proper verification while allowing the media component to flow directly for efficient communication.
Data Source
Figure 1
Figure 2a
Figure 2b
AI summary
There is provided a method of implementing a payment in relation to a telephone call between a customer and a merchant or service provider, the telephone call consisting of a signalling component and a media component. The method comprises, when establishing the telephone call, routing the signalling component to the merchant/service provider via a payment service system and routing the media component directly to the merchant/service provider. The method further comprises, at a communication management system of the merchant or service provider, sending an indication that the customer is required to make a payment to the payment service system and, at the payment service system, upon receipt of the indication that the customer is required to make a payment, using the signalling component of the telephone call to implement a redirection of the media component of the telephone call via the payment service system, extracting payment details of the customer from the redirected media component, and providing the payment details to a payment processing system to action the payment.