Dynamic Promotion Code Insertion in Contactless Payment
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Solution Overview
Problem
Current contactless payment systems lack the ability to dynamically integrate promotion codes into transactions, limiting the potential for users to receive discounts and benefits during purchases.
Innovation Solution
A portable electronic device with a promotion code application that qualifies users for promotions by applying rules and generates codes for conditional offers, which are then transmitted during contactless payment transactions, allowing point of sale terminals to apply associated discounts.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If contactless payment systems use existing payment protocols, then payment processing is reliable and stable, but the ability to dynamically integrate promotion codes is limited
Solution Approach 1:
The promotion code is nested within the contactless payment transaction data structure. The portable electronic device embeds the promotion code inside the payment message that is transmitted to the point of sale terminal, allowing the promotion code to be carried within the existing payment protocol framework without requiring a separate communication channel or fundamentally changing the payment system architecture.
Solution Approach 2:
The portable electronic device acts as an intermediary that receives promotion codes from a server, stores them locally, and then dynamically inserts them into contactless payment transactions. This intermediary role allows the system to bridge between the existing payment infrastructure and the new promotion code functionality without requiring changes to the core payment processing system.
2Ease of operation
If promotion codes are dynamically inserted into payment transactions, then user benefits and discounts are enhanced, but the complexity of transaction processing increases
Solution Approach 1:
The portable electronic device performs preliminary actions by receiving and storing promotion codes from the server before the actual payment transaction occurs. The device pre-processes the promotion code information, validates it, and prepares it for insertion into the payment transaction. This preliminary preparation simplifies the actual transaction processing at the point of sale, as the promotion code is already ready to be embedded.
Solution Approach 2:
The portable electronic device autonomously manages the promotion code lifecycle including receiving codes from the server, storing them in secure memory, determining which codes apply to current purchases, and automatically inserting them into payment transactions. This self-service capability eliminates the need for manual promotion code entry or complex interaction between the user, merchant, and system, simplifying the overall operation while enhancing user benefits.
3Productivity
If multiple promotion codes are associated with a single code, then coupon retrieval efficiency is improved, but the difficulty of detecting and measuring qualifying conditions increases
Solution Approach 1:
The system segments the promotion code structure into a hierarchical format where a single top-level code contains references to multiple associated coupon codes. The portable electronic device receives this segmented code structure from the server, stores it efficiently, and during transaction processing, systematically extracts and validates each associated coupon against the purchase items. This segmentation allows efficient retrieval while managing the complexity of multiple coupons through structured organization.
Data Source
AI summary
A portable electronic device is provided comprising a processor, a memory, a first radio transceiver, a second radio transceiver, and an application stored in the memory that, when executed by the processor, receives a first rule associated with a first commercial promotion via the first radio transceiver. The application also determines, based on the first rule and information specific to the device, that the device is qualified to exercise a right associated with the first commercial promotion. The application also transmits to a server via the first radio transceiver a message indicating that the device has qualified to exercise the right associated with the first commercial promotion and associating a code with the first commercial promotion. The application also completes a payment transaction for one of a product or a service via the second radio transceiver, wherein the payment transaction comprises transmitting the code associated with the first commercial promotion.