Contactless Payment Single Tap Value-Added Services
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Solution Overview
Problem
Conventional Near Field Communication (NFC) contactless payment systems limit user interaction to a single transaction and do not allow for the utilization of value-added services or multiple user options during a payment process, requiring multiple taps or taps and holds for each service, leading to user inconvenience.
Innovation Solution
A method and system that enables point of sale processing and communication of multiple user options with a single initiation of a contactless transaction by establishing a secure communication channel between a device reader and a contactless device, allowing for the selection and application of value-added services and payment options through a user interface, using protocols like Bluetooth or Wi-Fi for persistent communication beyond the NFC range.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Duration of action of moving object
If conventional NFC contactless payment methods are used, then the transaction is secure and simple, but the duration is very short and does not permit communication of other information or conducting of other services
Solution Approach 1:
The patent introduces a secondary communication channel (such as Bluetooth or Wi-Fi) as an intermediary between the contactless device and the point of sale system. This intermediary channel allows extended communication for value-added services while the primary NFC channel maintains secure authentication, thus resolving the contradiction between short transaction duration and service communication capability.
Solution Approach 2:
The patent segments the communication process into two distinct phases: authentication phase using NFC for secure and rapid device verification, and service communication phase using alternative channels for transmitting value-added service information. This segmentation allows each phase to optimize for its specific requirements, resolving the time-versus-versatility contradiction.
2Adaptability or versatility
If multiple taps or tap and hold are required for each service, then each service can be accessed, but user convenience deteriorates due to multiple interactions
Solution Approach 1:
The patent performs preliminary actions by establishing the secondary communication channel and retrieving available value-added services during the initial authentication phase. This allows service information to be pre-loaded and presented to the user in a single interaction, eliminating the need for multiple subsequent taps or holds to access different services.
Solution Approach 2:
The patent merges multiple service selection operations into a single user interaction by presenting all available value-added services simultaneously after the initial tap. The user can then select multiple services or payment options in one go, combining what would have been multiple separate interactions into a single consolidated operation.
3Reliability
If the device must be held close to the reader during the entire NFC transaction, then secure communication is maintained, but user convenience is reduced due to device positioning constraints
Solution Approach 1:
The patent maintains continuity of useful action by establishing a persistent secondary communication channel that remains active after the initial NFC authentication. This allows the communication to continue without requiring the device to remain in close proximity to the reader, thus maintaining security during authentication while providing positioning flexibility during the service communication phase.
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
Facilitates secure and convenient communication of multiple user options and value-added services during a single contactless transaction, enhancing user experience by allowing selection of services and payment methods without the need for repeated device interactions.
Implementation Method 1
Near Field Communication (NFC) is a proximity communication technology that can enable contactless device payment technologies
Implementation Method 2
Radio frequency identification (RFID) is another wireless communication technology that can be adapted to enable NFC contactless device payment technology
Data Source
AI summary
Point of sale processing of multiple options is possible with a single tap of a contactless device. The user taps the contactless device in the device reader's radio frequency field. The device reader and the contactless device establish a secure communication channel. Once a secure communication channel is established, the device reader communicates the purchase to the contactless device. The contactless device presents value-added services available to the user. The contactless device communicates the user's selected value-added service(s) to the device reader, and the reader communicates the purchase price of the transaction. The contactless device communicates payment options to the user and then communicates the user-selected payment options to the device reader. The device reader communicates a digital receipt to the contactless device, and the secure communication is terminated.