Location-Based Contactless Payment Options for Intuitive Access
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Solution Overview
Problem
Existing systems for contactless payment methods on mobile devices are cumbersome and not intuitive, making it difficult for users to access and utilize payment options efficiently.
Innovation Solution
A system and method that utilizes location detection sensors to identify merchants with contactless payment options and displays graphical depictions of payment sources on a touch-sensitive display, allowing users to select and transmit payment details through near field communication or barcode scanning.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If contactless payment methods are provided through applications, then payment convenience is improved, but user interface accessibility and intuitiveness deteriorate
Solution Approach 1:
The system automatically detects the user's location using GPS sensors and identifies nearby merchants with contactless payment capabilities without requiring manual input. The payment application self-activates and presents relevant payment options based on location data, eliminating the need for users to navigate complex menus or search for payment features.
Solution Approach 2:
The system pre-loads and prepares contactless payment options before the user actually needs to make a payment. By continuously monitoring location data and identifying nearby merchants in advance, the payment interface is ready to present itself intuitively when the user approaches a merchant, rather than requiring the user to initiate the payment process first.
2Adaptability or versatility
If location detection is used to identify merchants, then payment option relevance is improved, but system complexity increases
Solution Approach 1:
The mobile device utilizes its existing GPS location detection capability, which serves multiple functions including navigation, mapping, and now contactless payment identification. By making the location detection system multi-functional, the patent avoids adding dedicated hardware while still achieving location-based payment option relevance.
Solution Approach 2:
The system introduces a payment service provider as an intermediary that receives location data from the mobile device and returns identified merchants with contactless payment capabilities. This intermediary layer simplifies the complexity by handling the complex logic of merchant identification and payment capability verification separately from the mobile device itself.
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
Provides easy and intuitive access to contactless payment methods by presenting relevant payment options based on location, enhancing user experience and transaction efficiency.
Implementation Method 1
the hardware processors may activate the one or more near field communications transceivers to transmit payment details for the transaction to the point-of-sale terminal
Implementation Method 2
display a barcode for scanning by a point-of-sale barcode scanner to transmit the payment details for the transaction
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.