Video Call Flash Payment via Optical Card Scanning
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Solution Overview
Problem
Online meetings lack the convenience of contactless payment options, relying on insecure methods such as oral disclosure of credit card information, which deters participation in online services.
Innovation Solution
An online marketplace system that initiates payment processing by calculating the cost of a video call based on metadata, using credit card scanning software to detect payment details, and requiring two-factor authentication for secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If oral disclosure of credit card information is used for payment, then payment can be completed during online meetings, but security concerns increase and user trust decreases
Solution Approach 1:
The patent replaces the mechanical/oral method of credit card disclosure with an optical scanning system. The video call software captures an image of the credit card through the camera and uses optical character recognition to extract payment information, eliminating the need for users to verbally share sensitive financial data.
Solution Approach 2:
The patent introduces video call software as an intermediary between the user and the payment processing system. This software acts as a trusted mediator that securely captures, processes, and transmits payment information without requiring direct oral disclosure from the user, thereby enhancing security while maintaining convenience.
2Reliability
If credit card scanning software is implemented, then payment security is improved, but device complexity increases
Solution Approach 1:
The patent makes the video call software multi-functional by integrating both video conferencing capabilities and credit card scanning/payment processing functions into a single application. This eliminates the need for separate payment software and reduces overall system complexity despite adding advanced features.
Solution Approach 2:
The patent combines the video call interface and payment processing functionality into a unified system. The same camera and software interface used for video communication is also used to capture and process credit card information, merging two functions into one cohesive system rather than requiring separate devices or applications.
Data Source
AI summary
Various aspects of the subject technology relate to completing a payment over a video call. A method includes initiating, a video call between a user and a vendor, the user and the vendor having a scheduled appointment comprising a specified duration of time. The method also includes directing the user to the video call through video call software. The method also includes receiving, from the video call software, a notification that the video call ended, the notification comprising video call metadata. The method also includes calculating, through an online marketplace, a total cost of the scheduled appointment based at least on the video call metadata and marketplace data. The method also includes generating, through the online marketplace, an invoice based on the total cost. The method also includes receiving payment information from the user regarding the invoice. According to aspects, the method includes a flash-to-pay option for payment.