Gamified Payment System for Contactless Transaction Adoption

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Current electronic payment transaction processing networks face mixed adoption levels for contactless payment transactions, which can impact merchant profitability and user engagement.

Innovation Solution

A computer-implemented method and software product that authenticates users to operate a game based on payment transactions within an electronic payment transaction processing network, allowing users to register payment cards, log contactless transactions, and receive awards displayed on a leaderboard, which can be converted into benefits.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If contactless payment transactions are promoted, then user engagement and merchant profitability are improved, but adoption levels remain mixed and inconsistent

Engineering Contradiction:

Improvecontactless payment transaction volumeVSAvoidadoption consistency

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The patent changes the motivational parameters for users by introducing gamification elements (points, levels, badges, leaderboards) that transform routine payment transactions into engaging activities. This converts the monotony of repeated contactless transactions into a rewarding experience, thereby increasing both volume and consistency of adoption

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

The system implements immediate feedback mechanisms where users receive points, notifications, and visual progress tracking after each contactless transaction. The leaderboard provides continuous social comparison feedback, motivating users to maintain consistent contactless payment behavior to improve their standing and earn rewards

Inventive Principle:

Principle #23Feedback

2Ease of operation

If a gamified payment system is implemented, then user engagement increases, but system complexity increases

Engineering Contradiction:

Improveuser engagementVSAvoidsystem complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The payment processing system is enhanced to perform multiple functions: it processes contactless transactions, tracks user behavior, calculates gamification points, manages reward catalogs, and operates leaderboards. By making the existing payment infrastructure multi-functional, the system avoids requiring entirely separate complex systems while still delivering engaging user experiences

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent introduces a gamification layer that acts as an intermediary between the user and the payment processing system. This layer handles the complexity of gamification mechanics (points calculation, reward redemption, leaderboard management) while presenting a simple, engaging interface to users, thereby isolating system complexity from the core payment functionality

Inventive Principle:

Principle #24Intermediary (Mediator)

3Productivity

If contactless payment adoption is increased, then merchant profitability improves, but current mixed adoption levels limit effectiveness

Engineering Contradiction:

Improvemerchant profitabilityVSAvoidadoption flexibility

Core Design Contradiction:

ProductivityVSAdaptability or versatility

Solution Approach 1:

The system dynamically adjusts gamification parameters such as point multipliers, reward thresholds, and leaderboard rankings based on transaction patterns and user behavior. This dynamic adaptation allows the system to respond to varying adoption rates and incentivize contactless payments more effectively during periods when adoption is lower, thereby improving merchant profitability while accommodating flexible adoption patterns

Inventive Principle:

Principle #15Dynamics

Data Source

PatentUS11049126B2Game based on payment transactions in electronic payment transaction processing networks

Publication Date: 2021.06.29 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Embodiments include apparatuses, methods, and systems for playing a game based on payment transactions within an electronic payment transaction processing network. Based on data provided by a user, the user is authenticated to operate a game based on payment transactions. One or more payment cards used to perform payment transactions are to be registered within the game. A data record is added and an award within the game is received for a contactless payment transaction performed using the one or more payment cards. The data record is stored in a storage accessible by the game. The award is to be converted to a benefit to the user. The received award is displayed on a leaderboard in a user interface of the game. The leaderboard also displays one or more awards received by one or more other people associated with the user. Other embodiments may also be described and claimed.