Contactless Transaction Card Reader Counter Synchronization
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Solution Overview
Problem
Contactless transaction systems face issues with payment channel flexibility and fraud control, as they often advance both transaction counters when reading multiple payment applications, leading to discrepancies and transaction declines.
Innovation Solution
Implementing a system and method that allows for the selection of payment options and activates a contactless transaction card reader to initiate a transaction application program, receiving account information, and advancing transaction counters, while comparing counter data to authorize transactions within a predefined tolerance.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple payment applications are read from the contactless card, then payment channel flexibility is improved, but transaction counter discrepancies occur leading to transaction declines
Solution Approach 1:
The patent extracts and processes only the selected payment application's data rather than reading all applications. The system selectively activates a specific transaction application program based on user input, extracting only the relevant account information and transaction counter from the chosen application, thereby preventing counter discrepancies while maintaining payment flexibility
Solution Approach 2:
The system dynamically selects which payment application to process based on user input and transaction type. The transaction application program is activated conditionally rather than all applications being read simultaneously, allowing the system to adapt to different payment scenarios while maintaining accurate transaction counting
2Adaptability or versatility
If both transaction counters are advanced when reading multiple applications, then all payment options are processed, but counter mismatches cause fraud control failures
Solution Approach 1:
The system extracts and advances only the transaction counter associated with the selected payment application, rather than advancing counters for all applications. This selective extraction ensures that only the relevant counter is incremented, maintaining precise matching between card and host counters while still supporting multiple payment options
Solution Approach 2:
The patent segments the transaction processing into separate pathways for different payment applications. Each application has its own dedicated processing flow that advances only its specific counter, preventing the aggregation of counter increments that would lead to mismatches while maintaining the ability to handle multiple application types
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
This approach enhances payment option flexibility, reduces the need for repeated card interactions, and minimizes transaction declines by ensuring accurate counter matching and authorization.
Implementation Method 1
Such a card typically includes radio-frequency identification ('RFID') components for contactless communication with a point-of-sale device
Data Source
AI summary
Embodiments of the invention relate to systems and methods for processing a contactless card transaction. In one embodiment, a method for processing a contactless transaction card can be provided. The method can include receiving an input associated with a selection of at least one payment option. Further, the method can include based at least in part on the input, activating a contactless transaction card reader and initiating a corresponding transaction application program. In addition, the method can include receiving account information from the contactless transaction card via the contactless transaction card reader. Moreover, the method can include advancing a transaction counter associated with the contactless transaction card and a transaction counter associated with the corresponding transaction application program.