Integrated Payment Terminal Merging E-Merchandise Transfer
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Solution Overview
Problem
Existing payment and electronic merchandise transaction systems operate as separate, inefficient infrastructures, leading to complexities and risks in payment processing and merchandise delivery.
Innovation Solution
Integration of payment and electronic merchandise transaction systems through a combined infrastructure, allowing for the linkage of payment transactions with e-merchandise transactions using a payment specification and an electronic merchandise infrastructure, facilitating efficient transfer and storage of non-payment e-merchandise related information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If separate payment and electronic merchandise infrastructures are used, then each infrastructure can be optimized for its specific function, but transaction complexity and processing time increase
Solution Approach 1:
The patent combines payment and electronic merchandise transfer functions into a single integrated infrastructure. The payment terminal simultaneously handles both payment processing and e-merchandise delivery, eliminating the need for separate transaction flows. This integration reduces overall system complexity while maintaining the functional benefits of specialized processing modules.
2Reliability
If separate payment and electronic merchandise infrastructures are used, then specialized processing can be maintained, but transaction time increases
Solution Approach 1:
By merging payment and e-merchandise transfer into a single transaction flow, the system eliminates sequential processing steps. The integrated terminal processes both functions simultaneously, reducing total transaction time while preserving specialized processing capabilities through modular architecture.
Solution Approach 2:
The system performs preliminary setup and configuration of e-merchandise delivery parameters during the payment authorization phase, before the actual merchandise transfer is needed. This allows the merchandise infrastructure to be pre-prepared, enabling faster execution when the transfer is required.
3Adaptability or versatility
If separate infrastructures are used, then functional independence is maintained, but risks of payment without delivery or delivery without payment increase
Solution Approach 1:
The integrated infrastructure incorporates real-time feedback mechanisms that link payment confirmation with merchandise delivery status. The system continuously monitors both transaction components and can immediately detect mismatches, such as payment completion without corresponding merchandise transfer, enabling proactive intervention to maintain transaction integrity.
Solution Approach 2:
While integrating the infrastructures, the patent maintains functional segmentation through separate payment and e-merchandise modules within the unified system. This allows each function to operate independently with its own processing logic while being coordinated through a common transaction management layer, ensuring both functional independence and transaction integrity.
4Adaptability or versatility
If multiple e-merchandise applications are supported on a single card, then versatility increases, but system complexity increases
Solution Approach 1:
The patent implements a universal card architecture that can store and process multiple types of e-merchandise applications (tickets, loyalty points, digital credentials, etc.) on a single card. The integrated terminal is designed to recognize and process different application types through a unified interface, enabling one card to serve multiple purposes without requiring separate card systems for each application.
Data Source
AI summary
Interrogation of an electronic device by a first terminal is facilitated, to obtain an account number associated with the electronic device. The electronic device is configured according to a payment specification. The first terminal has a first terminal payment module configured according to the payment specification and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to the first terminal payment module to permit transfer of non-payment e-merchandise related information from the first terminal electronic merchandise module to the first terminal payment module. The interrogation of the electronic device is performed by the first terminal payment module. Generation of non-payment e-merchandise related information by the first terminal electronic merchandise module is facilitated. Transfer of the non-payment e-merchandise related information from the first terminal electronic merchandise module to the electronic device via the first terminal payment module, within a transaction between the electronic device and the first terminal payment module that is conducted in accordance with the payment specification, is also facilitated. The non-payment e-merchandise related information is stored on the electronic device in accordance with the payment specification. The electronic device and the first terminal independently calculate a summary data item. The first terminal calculates a first message authentication code based on the non-payment e-merchandise related information and a terminal-calculated value of the summary data item. The non-payment e-merchandise related information is stored on the electronic device together with an electronic device-calculated value of the summary data item and the first message authentication code.