Mobile Check Linking for Secure Contactless Venue Payments
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Solution Overview
Problem
Existing payment systems in venues like restaurants and bars lack transparency and control, are prone to fraud, and do not verify customer payment capability until the end of service, leading to inefficiencies and potential losses for the venue.
Innovation Solution
A contactless payment system using a mobile app that allows customers to associate payment methods with checks wirelessly, enables preauthorization, automatic check closure, and integrates with venue POS systems for secure, efficient transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional credit card payment methods are used, then payment processing is simple, but security is reduced and fraud risk increases
Solution Approach 1:
The patent introduces a mobile device as an intermediary between the customer and the payment terminal. The mobile device generates a dynamic verification code that acts as a mediator, transferring the authentication function from the physical credit card to a software-based solution. This intermediary layer enhances security by using time-limited codes while maintaining simplicity for the user.
Solution Approach 2:
The patent replaces the mechanical swiping action of traditional credit cards with an electronic/digital system. Instead of physically swiping a magnetic stripe, the customer enters a verification code generated by their mobile device, substituting mechanical interaction with electronic code verification. This substitution improves security while reducing the complexity of physical card handling.
2Reliability
If payment verification is delayed until end of service, then service delivery is uninterrupted, but payment collection reliability decreases
Solution Approach 1:
The patent implements pre-authorization of payment methods before service delivery. The customer's payment information is verified and authorized in advance, creating a pre-approved payment arrangement. This preliminary action ensures that when service is rendered, the payment collection is already validated, improving reliability without delaying service delivery.
Solution Approach 2:
The system enables customers to pre-register their payment methods and authorization codes through self-service mechanisms. By allowing customers to set up their payment verification in advance through automated systems, the venue reduces manual verification time while ensuring payment reliability before service begins.
3Loss of information
If customer bill information is kept remote, then venue operations are simplified, but customer transparency and control are reduced
Solution Approach 1:
The patent makes the mobile device universal by enabling it to serve multiple functions: storing payment information, generating verification codes, and displaying bill details. The same device the customer uses for payment verification also provides transparency into their bill information, eliminating the need for separate systems and reducing overall complexity.
Solution Approach 2:
The system implements real-time feedback by displaying bill information directly on the customer's mobile device. As services are rendered and charges accumulate, the customer receives immediate feedback through their device, providing transparency without requiring complex remote access systems. This feedback loop enhances customer awareness while maintaining operational simplicity.
Data Source
AI summary
Systems and methods for contactless payment are disclosed. The system and methods may include performing steps of: receiving user information from a user device, the user information including at least authentication information and payment information; receiving check information from a venue, the check information including at least a check identifier and initial order information; generating a check identifier for wirelessly communicating the check information to the user device; displaying the check identifier on a display on the user device; receiving a check close command; and requesting a payment from a user based on the user information and check information.