Graphic Transaction Code Payment System for Low-Infrastructure Shops
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Solution Overview
Problem
Small shops and mobile businesses often lack the necessary technical infrastructure to support electronic transactions, and even if they provide it, the costs can be burdensome, especially for those with low turnover.
Innovation Solution
An electronic method for approving transactions using a mobile terminal with a display element that communicates with a transaction server via a wireless data connection, utilizing unique graphic transaction codes for secure approval, minimizing required infrastructure and costs.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional electronic payment infrastructure (card readers, data lines to card company) is provided in shops, then cashless payment capability is achieved, but the cost and complexity of infrastructure increases significantly
Solution Approach 1:
The patent introduces a mobile terminal as an intermediary device that mediates between the customer and the shop's payment system. Instead of requiring complex infrastructure at the shop, the mobile terminal acts as a portable payment processing unit that communicates with the shop's simple receiver, thereby resolving the contradiction between payment capability and infrastructure complexity
Solution Approach 2:
The patent uses graphic transaction codes (visual copies) instead of physical cards or complex electronic communication protocols. The transaction code serves as a simplified representation of the payment information that can be transmitted visually or through simple scanning, eliminating the need for sophisticated card readers and data transmission infrastructure
2Reliability
If traditional electronic payment infrastructure is provided in small shops, then electronic transactions are enabled, but the cost becomes burdensome especially for shops with low turnover
Solution Approach 1:
The patent employs disposable or temporary transaction codes that are generated and used once per transaction. These graphic codes replace expensive, permanent infrastructure investments with cheap, temporary information carriers that can be generated and discarded after use, significantly reducing operational costs for small shops
Solution Approach 2:
The patent changes the fundamental parameter of payment information transmission from requiring persistent physical infrastructure (card readers, data lines) to using transient visual or digital codes. This parameter change transforms the cost structure from fixed infrastructure investment to minimal operational cost
3Reliability
If unique graphic transaction codes are used for approval, then transaction security is enhanced, but the complexity of the approval process increases
Solution Approach 1:
The patent uses graphic transaction codes that can be visually distinguished through different colors, patterns, or designs. This visual encoding allows secure transaction identification without requiring complex verification procedures - the graphic nature of the codes provides inherent security while remaining easy to generate, transmit, and verify
Data Source
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AI summary
The method involves transmitting complements (E, 72-1) (U5) to a transaction server (6), and comparing a complemented transaction Code with a transaction code (7-1) assigned to user data (N1) of a person (1). A business transaction is enabled by the transaction server according to determined equality of the complemented and stored transaction codes for the transaction. Transaction confirmation or refusal with determined inequality is transmitted (U6) to a mobile terminal (9). The transaction enabling refusal is transmitted to the mobile terminal. The user data are name of an owner of an account and name of a bank. Independent claims are also included for the following: (1) a transaction application for executing a method for enabling business transaction between persons (2) a mobile terminal (3) a transaction system (4) a payment system.