Detachable Payment Device Segmentation for Secure Handover

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Solution Overview

Problem

Mobile wallets are less suitable for use in situations where personal devices need to be handed over for payment transactions due to their personal nature, as they require proximity to a POS terminal and may not be easily detachable for independent operation.

Innovation Solution

A detachable payment device that can perform contactless transactions using short-range communications like NFC, MST, or Bluetooth, allowing it to operate independently or in conjunction with a mobile device, and can be shaped like a payment card or stylus, enabling secure and convenient payment processing without the need to hand over the mobile device.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If mobile phones and tablets are used as payment devices, then contactless payment functionality is improved, but portability and ease of handing over to employees deteriorates

Engineering Contradiction:

Improvecontactless payment functionalityVSAvoidportability for handing over

Core Design Contradiction:

Ease of operationVSAdaptability or versatility

Solution Approach 1:

The payment system is segmented into two independent components: a mobile device containing the mobile wallet application and a separate portable payment device. This segmentation allows the payment functionality to be distributed, enabling the portable device to operate independently while the mobile device provides supplementary support, thus resolving the contradiction between contactless payment capability and portability for handing over to employees.

Inventive Principle:

Principle #1Segmentation

2Reliability

If mobile device is used for payment transactions, then payment security is improved, but need to hand over personal device deteriorates

Engineering Contradiction:

Improvepayment securityVSAvoidconvenience of use

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The payment credentials and transaction processing capability are extracted from the personal mobile device and placed into a separate portable payment device. This extraction allows payment security to be maintained through the mobile wallet application while the actual payment transactions can be performed using the portable device, eliminating the need to hand over personal devices to employees or merchants.

Inventive Principle:

Principle #2Taking out (Extraction)

3Adaptability or versatility

If detachable payment device operates independently, then portability is improved, but need for wireless connection supplementation deteriorates

Engineering Contradiction:

Improveindependent operation capabilityVSAvoidwireless connection requirements

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system dynamically adapts its operational mode based on connectivity availability. When connected to the mobile device via wireless communication, the portable payment device receives supplementary support such as additional authentication or transaction authorization. When disconnected, it operates independently using locally stored payment credentials. This dynamic behavior resolves the contradiction by allowing independent operation while conditionally utilizing wireless connections when available.

Inventive Principle:

Principle #15Dynamics

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

Enables secure and convenient contactless payment transactions by allowing the detachable payment device to function independently or with the mobile device, reducing the need to hand over personal mobile devices and enhancing usability in various payment scenarios.

Implementation Method 1

the detachable payment device may use short range contactless transmissions such as, for example, Bluetooth, near-field communications (NFC), or magnetic secure transmissions (MST)

Methodology Applied

Scientific EffectNear-field communication (NFC):

Implementation Method 2

the detachable payment device may use short range contactless transmissions such as, for example, Bluetooth, near-field communications (NFC), or magnetic secure transmissions (MST)

Methodology Applied

Scientific EffectMagnetic secure transmission (MST):

Data Source

PatentUS11538017B2Detachable electronic payment device

Publication Date: 2022.12.27 SAMSUNG ELECTRONICS CO LTD

AI summary

Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.