EMV Payment Application Selection via PPSE Modification
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Solution Overview
Problem
Current EMV contactless payment systems are limited in data interaction functionalities, making it difficult to implement new features and user control, especially when dealing with multiple payment applications, leading to unexpected transactions or terminations due to compatibility issues between Point of Interaction (POI) terminals and identification devices.
Innovation Solution
A computer-implemented payment transaction method that allows a POI terminal to select and communicate with either of multiple payment applications on an identification device, providing user-configurable options to restart transactions without requiring merchant interaction, thus enhancing control and compatibility.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple payment applications are provided on the identification device, then the versatility and user control are improved, but the complexity of determining compatibility and selecting the correct application increases
Solution Approach 1:
The payment selection process is segmented into distinct phases: initial automated compatibility determination based on POI terminal capabilities, user notification of selected application, and optional user selection or transaction restart. This segmentation reduces the complexity burden on the POI terminal by dividing the selection task into automated and user-driven components.
Solution Approach 2:
The system implements feedback mechanisms where the POI terminal communicates its selected payment application to the identification device, and the user interface provides feedback about compatibility issues. This feedback loop allows the system to adapt to user needs while maintaining automated operation, reducing the complexity of manual selection processes.
2Productivity
If the POI terminal automatically selects a payment application, then the transaction speed is improved, but the user control and expectation management deteriorate
Solution Approach 1:
The payment application selection is made dynamic by allowing the POI terminal to automatically select an application based on compatibility, while simultaneously providing users with the ability to override this selection or restart the transaction if expectations are not met. This dynamic approach maintains speed while preserving user control.
Solution Approach 2:
The system enables self-service by automatically determining compatibility and selecting appropriate payment applications without requiring user intervention for technical decisions. The user only needs to confirm or restart if needed, maintaining ease of operation while improving transaction speed.
3Ease of operation
If the payment transaction is restarted to allow user selection, then the user control is improved, but the transaction time increases
Solution Approach 1:
The POI terminal performs preliminary action by automatically determining compatibility and selecting a payment application before the user needs to make a decision. This preliminary selection reduces transaction time by eliminating the need for users to evaluate multiple applications, while still allowing users to restart if needed.
Solution Approach 2:
The system changes the parameter of selection automation from manual to automated, allowing the POI terminal to make selection decisions based on predefined compatibility parameters. This reduces transaction time while maintaining user control through optional restart functionality.
4Adaptability or versatility
If new payment functionalities are added to existing EMV kernels, then the adaptability is improved, but the difficulty of implementing within standard limitations increases
Solution Approach 1:
The system provides universality by enabling POI terminals to work with multiple payment applications and functionalities within the existing EMV framework. The terminal can handle various payment types (contactless, chip-based, virtual cards) through a unified compatibility determination mechanism, making implementation easier while increasing adaptability.
Solution Approach 2:
The implementation uses parameter changes by modifying the compatibility determination logic to recognize and handle multiple payment application types. By changing the selection criteria and communication parameters, the system integrates new functionalities without requiring fundamental changes to the EMV kernel or terminal hardware.
Data Source
AI summary
During recent years, chip-based payment has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with the EMV specifications and standards.A computer-implemented payment transaction method is provided comprising: providing a standard EMV Contactless payment transaction protocol POI terminal, receiving from the user interface a selection of either the first or second payment application and modifying the PPSE accordingly; continuing, by the POI terminal, said EMV-compliant payment transaction by selecting the modified PPSE of the identification device; and selecting, by the POI terminal, the user-selected payment application to continue the payment transaction.By implementing such a function selection, new non-EMV compliant functionalities may be quickly added to existing payment-system specific kernels. In addition, by restarting the existing payment transaction instead of starting a new one, it may be quickly restarted using the same amount and the same currency without the need of any merchant interaction. By using existing mechanism already present in the EMV specifications and protocols, Users are given a higher degree of control over the payment applications used to complete payment transactions, and unexpected payments and/or unexpected terminations of payments are less likely to occur when a conflict arises between the contents of the PPSE and the POI terminal capabilities.