Inaudible Payment Data Transmission Over Voice Calls
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Traditional voice call payment methods expose sensitive payment information to eavesdroppers and are inefficient for both customers and merchants, as they require speaking or touch-toning card details, leading to security risks and inconvenience.
Innovation Solution
A system and method that allows inaudible payment information to be shared over an active voice connection using a payment management facility, enabling secure transmission of payment data without relying on audible signals, using features like graphical user interfaces and secure data processing on user and merchant devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If card information is spoken over the voice call for payment, then the merchant can receive payment information, but the card information may be exposed to eavesdroppers and unauthorized parties
Solution Approach 1:
The patent extracts the payment information transmission from the audible voice channel and transmits it through a separate data channel. The system separates the voice communication function from the payment data transmission function, allowing payment information to be sent securely through a different pathway that is not accessible to eavesdroppers listening to the voice call.
Solution Approach 2:
The patent introduces an intermediary payment processing system that acts as a mediator between the customer and merchant. This intermediary receives payment information through a secure data channel, processes it, and confirms the transaction, eliminating the need for direct audible transmission of sensitive card information between customer and merchant.
2Productivity
If card information is spoken or touch-toned over the voice call, then payment can be processed, but the process is inefficient and inconvenient for both customer and merchant
Solution Approach 1:
The patent enables self-service payment processing where the customer's mobile device automatically transmits payment information through the data channel without requiring manual input or verification steps. The system handles the payment transmission and confirmation automatically, reducing the operational burden on both customer and merchant.
Solution Approach 2:
The patent replaces the mechanical process of speaking or touch-toning payment information with an automated electronic data transmission system. Instead of manual voice input or button pressing, the system uses digital communication protocols to automatically transmit and process payment information, significantly improving efficiency.
Data Source
AI summary
Exemplary voice call payment systems and methods provide parties to a voice call with features for sharing sensitive information over an active voice connection supporting the voice call. An exemplary method includes a voice call payment system detecting, during a voice call between a user of a user device and a representative of a merchant over an active voice connection between the user device and a merchant device of the merchant, a request by the user to submit inaudible payment information to the merchant over the active voice connection as payment in a transaction between the user and the merchant, directing, in response to the request, the user device to acquire the inaudible payment information, and directing, in response to the request, the user device to transmit the inaudible payment information to the merchant device over the active voice connection.