Contactless Payment Location Database Automation
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Solution Overview
Problem
Consumers face difficulties in determining the locations of contactless payment devices and merchants that accept them, leading to inefficiencies and potential loss of business for merchants, as existing methods for locating these devices are inefficient and lack comprehensive databases.
Innovation Solution
A system that uses a database to store and manage location data of contactless access devices, allowing consumers to find nearby locations through a software application, and enables issuers to customize map data by defining mapping parameters, with a server computer retrieving and updating location data from transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If traditional manual methods are used to determine contactless access device locations, then consumers can find device locations, but the process is inefficient and time-consuming
Solution Approach 1:
The patent replaces manual human investigation methods with an automated electronic system that uses databases, servers, and computer applications to automatically determine and provide contactless access device locations to consumers through digital interfaces
Solution Approach 2:
The patent creates a digital copy of contactless access device locations stored in a database, allowing multiple consumers to access location information simultaneously without requiring physical visits to each merchant location
2Adaptability or versatility
If merchants install contactless access devices, then contactless payment capability is provided, but consumers cannot easily determine where these devices are located
Solution Approach 1:
The patent introduces a location database and server system as an intermediary between merchants with contactless access devices and consumers, enabling the flow of location information from merchants to consumers through electronic databases and networks
Solution Approach 2:
The patent creates a universal location database that stores contactless access device information from multiple merchants and institutions, making the information universally accessible to consumers through various electronic devices and applications
3Extent of automation
If manual location recording methods are used, then contactless device locations can be documented, but the process lacks automation and scalability
Solution Approach 1:
The patent implements a system where location data is automatically collected and updated through electronic transactions and database operations, eliminating the need for manual human intervention in the data collection process
Solution Approach 2:
The patent divides the location management system into separate functional components including a location database for storing data, a server for processing and retrieving data, and client applications for displaying information, making each component independent and manageable
Data Source
AI summary
A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.