Telephone Payment Flow Using Mobile URL Confirmation
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Solution Overview
Problem
Current mobile payment methods for telephone purchases are insecure, cumbersome, and prone to errors due to the need for customers to verbally provide credit card information, which is a security risk and inefficient.
Innovation Solution
A mobile payment method that utilizes a mobile device with mobile payment capability, a server coupled to a payment network, and a merchant computing device to facilitate secure and efficient transactions by using a mobile identity or passcode for authentication, enabling communication between the mobile device and the server for payment processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If customers verbally provide credit card information during telephone calls, then payment can be completed, but security is compromised and errors increase
Solution Approach 1:
The patent introduces an automated response system as an intermediary between the customer and the payment network. The system receives voice inputs, processes them through speech recognition, and handles payment authorization without requiring customers to verbally expose sensitive card information. This mediator resolves the contradiction by maintaining security while preserving the telephone-based payment convenience.
Solution Approach 2:
The patent replaces the manual mechanical process of verbally reciting card details with an automated speech recognition and processing system. The automated response system uses voice commands and speech-to-text conversion to capture payment information securely, eliminating the need for customers to articulate sensitive data aloud while maintaining the telephone interface.
2Productivity
If interactive voice response systems are used for transactions, then payment processing is automated, but card information security is compromised and the process becomes cumbersome
Solution Approach 1:
The patent extracts the sensitive card information handling from the traditional IVR process. Instead of having customers input and transmit card numbers through the IVR system, the invention separates the voice interaction layer from the payment data layer. The system processes voice commands to initiate payments but retrieves and validates card information through secure tokenization, removing the security vulnerability while maintaining automation.
Solution Approach 2:
The patent implements preliminary action by pre-tokenizing card information and storing secure payment credentials before the transaction occurs. The automated response system uses pre-configured payment methods and tokens, so during the actual transaction, customers only need to authorize the payment rather than input sensitive data. This preliminary preparation maintains both security and processing efficiency.
3Reliability
If customers enter card information multiple times through IVR systems, then payment authorization can be obtained, but the process becomes time-consuming and error-prone
Solution Approach 1:
The patent enables self-service by allowing customers to pre-register their payment methods and payment preferences in the system. During telephone transactions, the automated response system retrieves these pre-configured payment methods and presents them for authorization. Customers simply need to confirm or select a payment method rather than re-enter card information, reducing both time and errors while maintaining authorization accuracy.
Data Source
AI summary
A mobile payment method includes making a mobile payment request an automated response system of a merchant store for a purchase. A mobile number of a mobile device is provided to the automated response system. Payment information including the mobile number and a payment amount is sent from the automated response system to the mobile payment server. A Uniform Resource Locator (URL) link is created by the mobile payment server and contains transaction information. The URL link is sent to the mobile device where a customer selects the URL link to set up a Hypertext Transfer Protocol Secure (HTTPS) session. A program script is downloaded. A payment transaction is confirmed by the mobile device which generates and sends encrypted payment data to a payment network through the mobile payment server.