Digital Pass Payment Links for Seamless Mobile Transactions
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Solution Overview
Problem
Existing mobile commerce solutions do not effectively integrate payment methods within digital passes, limiting the seamless integration of additional services and transactions.
Innovation Solution
Incorporating payment links within digital passes to enable in-mobile-wallet payment processing, allowing transactions through mobile wallet applications, open banking platforms, or online payment platforms directly from the digital pass.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If payment methods are integrated within digital passes, then seamless transaction experience is improved, but device complexity increases
Solution Approach 1:
The patent combines payment processing capabilities directly within the digital pass structure by embedding payment links that contain encoded transaction information. This merging of payment functionality into the existing digital pass framework enables seamless transactions without requiring separate payment applications or complex integration layers, thus improving ease of operation while managing device complexity.
Solution Approach 2:
The digital pass is designed to serve multiple functions: it acts as both an informational credential (displaying event details, tickets, or membership information) and a payment instrument. By making the digital pass universal, users can access both information and complete transactions through the same interface, eliminating the need for separate payment methods and improving operational simplicity.
2Adaptability or versatility
If additional services are offered through digital passes, then service versatility is improved, but transaction security requirements increase
Solution Approach 1:
The payment link embedded in the digital pass contains pre-encoded transaction information including event ID, user identifier, and purchase details. By performing preliminary encoding of all transaction parameters within the pass itself, the system establishes security protocols in advance, verifying user identity and transaction authorization before the actual payment occurs. This preliminary action ensures secure handling of diverse services while maintaining versatility.
3Productivity
If payment links are embedded in digital passes, then transaction speed is improved, but information security risks increase
Solution Approach 1:
The payment link within the digital pass employs localized security measures specific to each pass instance. Each digital pass contains uniquely encoded information tailored to that specific user and event combination, with security protocols customized to the local context of the transaction. This localized approach enables fast processing while maintaining appropriate security controls for each specific transaction scenario.
Data Source
Figure 1
Figure 2A~2B
Figure 2C
AI summary
A method for staging a wireless transaction from a digital pass is described. The method comprises, at a merchant server, identifying a potential transaction, and determining transaction information for the payment transaction. The method further comprises, obtaining a payment link, wherein the payment link provides access to the transaction information to allow the potential transaction to be initiated at a user device. The payment link is then provided for incorporation into a digital pass for provision to a digital wallet of the user device.