Contactless Protocol for Unified Payment and Commerce Data Transmission
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Solution Overview
Problem
Existing NFC technologies face challenges in enabling contactless transactions that can simultaneously handle payment information and additional commerce data, such as loyalty cards and offers, and in publishing commerce elements to mobile devices for presentation during POS transactions.
Innovation Solution
A system and method for managing contactless transactions that includes a mobile device with a secure element storing commerce and financial data, allowing for a single tap to transmit both payment and commerce data to an NFC-enabled POS system, using a protocol that supports the retrieval and presentation of loyalty, offers, and rewards information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If existing NFC technologies are used for contactless transactions, then payment information can be transmitted, but additional commerce data such as loyalty cards and offers cannot be included in the same tap event
Solution Approach 1:
The patent merges payment transaction messaging and commerce data messaging into a single integrated messaging technology framework. The NFC reader and mobile device can simultaneously transmit both payment credentials and commerce elements (loyalty cards, offers, rewards) within the same tap event by using a unified message structure that accommodates multiple data types without requiring separate communication protocols.
Solution Approach 2:
The messaging technology is designed with universal functionality to handle multiple types of data (payment information, loyalty data, offers, rewards) through a single protocol. The system can adapt to different data formats and purposes within the same technological framework, eliminating the need for separate specialized messaging systems for each commerce function.
2Adaptability or versatility
If commerce elements are published to mobile devices, then they can be presented during POS transactions, but the system complexity increases
Solution Approach 1:
The patent introduces a commerce element publishing system that acts as an intermediary between commerce providers and mobile devices. This intermediary mechanism enables the publication of commerce elements (offers, loyalty cards, rewards) to mobile devices without requiring complex direct integration between all system components. The publishing system manages the complexity of element distribution, storage, and presentation during transactions.
3Productivity
If a single tap event transmits both payment and commerce data, then transaction efficiency improves, but data processing complexity increases
Solution Approach 1:
The patent segments the data transmission process by organizing payment credentials and commerce elements into distinct data structures within the same message protocol. The NFC reader and mobile device can identify and process different data types (payment information versus commerce data) as separate logical units while transmitting them simultaneously in a single tap event, maintaining transaction speed while managing processing complexity through structured data separation.
Data Source
AI summary
Systems, methods and computer program products are provided for managing contactless transactions. A first tap is performed when a system is placed within a predetermined proximity to a payment terminal. A first select command including an AID corresponding to a first application is received from the payment terminal. A first response based on the first select command is transmitted to the payment terminal. A data request including information indicating supported data types is received from the payment terminal. A second response based on the data request and including transaction data is transmitted to the payment terminal. The transaction data includes at least a portion of commerce data stored in the at least one memory.