Proximity-Based Cardless Payment Consent Using Signal Strength
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Solution Overview
Problem
Conventional point-of-sale credit card transactions require physical card swiping or insertion, which is inconvenient and lacks proximity-based consent mechanisms for cardless payment transactions.
Innovation Solution
A method using short-range wireless transmission protocols like Bluetooth or Bluetooth Low Energy to determine proximity between payer and merchant devices, allowing for automatic or user-confirmed consent and token-based verification for cardless payment transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If physical card swiping or insertion is used for transactions, then transaction security is maintained through physical card presence, but user convenience and transaction speed deteriorate due to the need for physical card handling
Solution Approach 1:
The patent introduces a token as an intermediary element that replaces the physical card. The token contains encrypted account information and can be transmitted digitally, serving as a mediator between the user's account and the payment system, thereby eliminating the need for physical card handling while maintaining security through cryptographic protection
Solution Approach 2:
The patent replaces the mechanical card swiping or insertion system with an electronic/digital token transmission system. Instead of physically manipulating a card through magnetic stripe readers or chip readers, the system uses digital communication protocols to transmit encrypted token data, substituting mechanical interactions with electronic data exchange
2Ease of operation
If cardless payment transactions are implemented without proximity verification, then user convenience is improved by eliminating physical cards, but transaction security deteriorates due to lack of proximity-based consent mechanisms
Solution Approach 1:
The patent implements preliminary proximity verification through short-range wireless communication (Bluetooth, NFC) before allowing token transmission. This preliminary action of verifying device proximity ensures that the cardless transaction only occurs when the user's device is physically near the merchant's terminal, preventing unauthorized remote transactions while maintaining convenience
Solution Approach 2:
The patent incorporates feedback mechanisms where the system continuously monitors proximity status through short-range wireless signals and provides real-time verification. The transaction process receives feedback about device proximity, and only proceeds when proximity conditions are met, creating a closed-loop security mechanism that adapts to real-time conditions
3Reliability
If token-based verification with signatures is implemented for cardless transactions, then transaction security is enhanced through cryptographic verification, but device complexity increases due to token generation and signature verification requirements
Solution Approach 1:
The patent implements a multi-functional token structure that consolidates multiple security functions into a single data element. The token simultaneously contains encrypted account information, transaction identifiers, timestamps, and digital signatures, allowing a single token to perform multiple security verification functions rather than requiring separate mechanisms for each function
Solution Approach 2:
The patent uses digital copying of cryptographic keys and signatures embedded within the token. Instead of requiring complex real-time cryptographic computations during transaction processing, the system pre-generates digital signatures and embeds them in the token, allowing for simpler verification through cryptographic validation of the embedded signature rather than complex computation
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Enables convenient, proximity-based cardless payment transactions with enhanced security through token-based verification, eliminating the need for physical card presence and improving user experience.
Implementation Method 1
receiving, by a first mobile device, a signal from a second mobile device using a short-range wireless transmission protocol
Data Source
AI summary
A method for processing a cardless payment includes receiving, by a first mobile device, a signal from a second mobile device using a short-range wireless transmission protocol. A value for the received signal strength indication of the signal between the first mobile device and the second mobile device can be determined. The process can include determining that the first mobile device and the second mobile device are in proximity based on the received signal strength indication. Consent to enter into a payment transaction can be established upon a determination that the devices are in proximity to one another.