Contactless Payment Card Selection via Preference Matching
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Solution Overview
Problem
Users with multiple contactless payment devices face delays and frustration due to the need to manually select one device or rely on random selection, which hinders the speed and convenience of transactions in contactless payment systems.
Innovation Solution
A method that retrieves and selects contactless payment identifiers based on user-defined selection criteria and monetary incentives, allowing for the automatic choice of the most suitable payment account for a transaction, either through user interaction or automated preference matching.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users manually select one of multiple contactless payment devices, then the preferred card can be chosen for the transaction, but transaction time increases and convenience decreases
Solution Approach 1:
The system enables contactless payment devices to automatically present themselves to the reader without user intervention. Multiple devices self-present their payment identifiers simultaneously, and the system automatically selects the optimal card based on stored user preferences, eliminating the need for manual selection while ensuring the preferred card is used.
Solution Approach 2:
User preferences for payment card selection are pre-configured and stored in the system before the transaction occurs. When a transaction is initiated, the system retrieves these pre-stored preferences and automatically applies them to select the appropriate card, eliminating the need for real-time user decision-making and maintaining both speed and preference accuracy.
2Reliability
If multiple contactless payment devices are waved over the reader, then the user's preferred card can be selected, but the system currently selects cards at random causing user frustration
Solution Approach 1:
The system incorporates user feedback in the form of pre-configured payment preferences that guide automatic card selection. When multiple contactless devices are presented, the system references stored user preferences to determine which card the user wants to use, providing consistent and predictable selection behavior that eliminates random selection and user frustration.
Solution Approach 2:
The system automatically manages the selection process among multiple presented cards without requiring user intervention. By waving multiple devices simultaneously, users benefit from automatic intelligent selection based on their preferences, eliminating the need to manually choose while ensuring the preferred card is selected every time.
3Productivity
If the system uses random selection among contactless payment devices, then the process remains simple and fast, but user preference is not respected causing frustration
Solution Approach 1:
User payment preferences are pre-configured and stored in the system before transactions occur. During the transaction, the system automatically retrieves these pre-stored preferences and applies them to select the appropriate card, maintaining transaction speed while eliminating random selection and ensuring user preferences are consistently respected.
Data Source
AI summary
An approach is provided for purchasing items using contactless payment devices (credit cards and debit cards, key fobs, smartcards or other devices). The approach retrieves the contactless payment identifiers that each pertain to a separate payment account used by a user. One of the contactless payment identifiers is selected based on one or more selection criteria, such as user and monetary incentives. The approach further pays for purchases using the payment account that corresponds to the selected contactless payment identifier.