Local URL Broadcast for Contactless Payment Identification
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Solution Overview
Problem
Current payment applications are time-consuming and laborious for transactions between nearby users or devices due to the need for identifier entry and search processes, making local payment processes inefficient.
Innovation Solution
A method for locally broadcasting Uniform Resource Locators (URLs) for checkout and payment processes using computing devices, allowing users to detect and transmit payment information through short-range wireless communications or geo-location, enabling quick discovery and processing of nearby payment transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional payment applications are used for transactions between nearby users, then payment processing can be secured through identifier verification, but the process becomes time-consuming and laborious due to manual identifier entry and search
Solution Approach 1:
The system performs preliminary actions by automatically detecting nearby devices and pre-populating identifier fields with detected information before the user needs to complete the payment transaction. This eliminates the need for manual identifier entry and search operations, significantly reducing transaction time while maintaining security through automated verification.
Solution Approach 2:
The patent introduces an intermediary mechanism that automatically detects nearby devices and facilitates identifier exchange between parties. This intermediary system handles the manual identification process, allowing users to simply confirm detected identifiers rather than manually entering or searching for them, thus reducing time loss while maintaining secure payment processing.
2Measurement precision
If manual identifier entry and search processes are implemented in payment applications, then accurate party identification is achieved, but the operation becomes complex and laborious
Solution Approach 1:
The system implements self-service by automatically detecting nearby devices and populating identifier fields without requiring user intervention for manual entry or search operations. The detected identifier information is automatically verified and presented to users for confirmation, maintaining accurate party identification while significantly simplifying the operation to merely confirming detected information rather than manually entering or searching for identifiers.
3Productivity
If nearby users want to conduct quick payments, then transaction speed is improved, but the complexity of identifying and locating parties increases
Solution Approach 1:
The patent replaces manual mechanical operations (typing identifiers, searching contact lists, navigating to contact information) with automated electronic detection mechanisms. The system uses device detection capabilities to automatically identify nearby parties and extract relevant identifier information, substituting complex manual processes with automated electronic mechanisms that significantly improve transaction speed without increasing user-facing complexity.
Data Source
AI summary
There are provided systems and methods for display of locally broadcasted uniform resource locators for checkout and payment. A user may utilize a computing device, such as a mobile phone, to receive a plurality of local broadcasts. The broadcasts may be limited in range to a defined region through short range communications or geo-locations of users or entities. Thus, the computing device may display the broadcasts for nearby users and entities. The broadcast may contain a URL that unique identifiers the user or entity and the checkout and payment process for the payment requested by the user or entity. The URL may cause a device receiving the URL to load a webpage or application interface having the checkout and payment process. The user may then use the process in the broadcast to provide a payment to another user or entity.