Location-Based Contactless Payment Interface for Faster Secure Checkout
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Solution Overview
Problem
Consumers face challenges in accessing intuitive and convenient contactless payment methods through mobile devices, particularly in point-of-sale interactions, due to cumbersome interfaces and lack of user-friendly graphical representations.
Innovation Solution
A system and method that utilizes a mobile device with location detection sensors and a touch-sensitive display to present graphical depictions of contactless payment options based on the user's location, allowing selection and transmission of payment details through near field communication, barcode scanning, or magnetic stripe emulation, with optional authentication and promotion suggestions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If contactless payment methods are provided through mobile device applications, then payment convenience is improved, but user interface accessibility and intuitiveness deteriorate
Solution Approach 1:
The patent introduces a payment terminal as an intermediary device that automatically detects the mobile device and presents payment options through a simplified graphical user interface. The terminal mediates between the complex payment processing system and the user, handling the complexity of payment method selection and transmission without requiring the user to directly interact with complex application interfaces.
Solution Approach 2:
The system enables self-service by automatically detecting the mobile device at the point-of-sale, retrieving stored payment information, and presenting relevant payment options without requiring manual input from the user. The system serves itself by autonomously managing the payment process from detection to execution, reducing the burden on the user while maintaining convenience.
2Adaptability or versatility
If multiple contactless payment options are stored in the mobile device, then payment versatility is improved, but user selection difficulty increases
Solution Approach 1:
The patent applies local quality by customizing the payment options presented to the user based on their specific context, location, and stored payment methods. The system identifies relevant payment options from the stored plurality and presents only the most appropriate ones through the graphical user interface, making the selection process easier while maintaining versatility.
Solution Approach 2:
The system segments the payment options into distinct graphical representations that are easily distinguishable and selectable. By organizing and presenting payment methods as separate, visually distinct options on the touchscreen interface, the system makes it easier for users to quickly identify and select their preferred payment method from multiple available options.
3Speed
If payment information is transmitted contactlessly, then transaction speed is improved, but security requirements increase
Solution Approach 1:
The patent employs tokenization as a copying mechanism, where actual payment card numbers are replaced with unique tokens stored in the mobile device. These tokens are transmitted contactlessly during the transaction but do not contain sensitive payment information. The tokens serve as copies that enable the transaction process while maintaining security, as they cannot be used without authorization.
Solution Approach 2:
The system performs preliminary security measures by pre-authenticating the mobile device and verifying payment method validity before the actual contactless transmission occurs. Security checks are conducted in advance to ensure that only authorized devices and payment methods can initiate transactions, thereby maintaining security reliability while enabling fast contactless processing.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Facilitates easy and secure contactless payments by providing intuitive graphical interfaces for selecting payment methods, enhancing user experience and security through tokenized account numbers, and offering personalized promotions.
Implementation Method 1
the hardware processors may cause a near field communication transceiver to transmit the personal account number
Implementation Method 2
A location of the mobile device may be detected using one or more location sensors
Data Source
AI summary
Embodiments described herein disclose a mobile device system for displaying contactless payment options to a user of a mobile device. A location of the device may be detected. The location may be transmitted to a payment services provider, and information indicating that the location corresponds to a merchant having contactless payment options may be received. In response, graphical depictions of payment options associated with a plurality of payment sources are displayed on a touch-sensitive display of the mobile device. A selection of one of the graphical depictions is received, and in response, one or more transceivers of the mobile device, such as one or more NFC transceivers, may be activated. The activation may cause the transceivers to transmit a personal account number to a point-of-sale terminal. Thus, the user is presented with contactless payment options based on a geographical location, and may be presented with a suggested payment source.