Unified Purchase System Using Identity Inference
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Solution Overview
Problem
Consumers face difficulties in efficiently organizing and managing receipts and invoices from various purchase methods, and navigating complex user interfaces to complete purchases, which can be time-consuming and cumbersome.
Innovation Solution
A method and system that allows consumers to use computing devices to transmit product information, obtain purchase requests with security identifiers, infer consumer identities, authorize transactions, and generate purchase authorizations for seamless product purchases, simplifying the process through user interfaces and payment engines.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If consumers use multiple purchasing channels (stores, catalogs, websites), then purchasing options increase, but time spent on purchases and organizing receipts increases
Solution Approach 1:
The patent combines multiple purchasing channels (physical stores, catalogs, websites) into a unified system where all transactions are processed through a single payment instrument. This merging eliminates the need to separately manage receipts and invoices from different sources, as all purchases are consolidated under one account with centralized tracking and reporting capabilities.
Solution Approach 2:
The payment instrument is designed with universal functionality to handle diverse purchasing scenarios across different channels. It serves as a single tool that can be used at physical stores, online websites, and for catalog orders, providing consistent payment, tracking, and management features regardless of the purchasing channel, thereby reducing the time needed to adapt to different systems.
2Reliability
If consumers navigate complex user interfaces to complete purchases, then security and authentication are improved, but the purchasing process becomes time-consuming
Solution Approach 1:
The system performs preliminary authentication and security verification by establishing the consumer's identity and authorization status before the actual purchasing action. The payment instrument pre- validates the consumer's credentials and purchasing authority, so that during the actual transaction, minimal additional verification is needed, thereby maintaining security while speeding up the purchase process.
Solution Approach 2:
The payment instrument enables self-service functionality where the consumer's device automatically handles authentication and authorization processes. The system uses the consumer's existing credentials and device information to automatically verify identity and purchasing authority without requiring manual navigation through complex security interfaces, thus maintaining reliability while improving speed.
Data Source
AI summary
The invention relates to a method for purchasing a product by a consumer using a computing device. The method includes transmitting product information from a payee to the computing device, obtaining a purchase request for the product from the computing device, wherein the purchase request comprises a security identifier input by the consumer, inferring a consumer identity based on the purchase request and consumer information, authorizing the consumer to access the consumer information based on the purchase request and the consumer identity, wherein the consumer information is used to purchase the product, and generating a purchase authorization for the product and sending the purchase authorization to the payee based on the purchase request and the consumer information.