Mobile Device Two-Dimensional Barcode Payment Authorization
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Solution Overview
Problem
Users face difficulties in making payments using credit cards if they forget where they have left the card, as existing systems lack a convenient method for remote authorization and verification.
Innovation Solution
A mobile electronic device system that establishes a wireless connection with a credit card terminal and system, allowing users to input their credit card number and password, generate and display a two-dimensional barcode with authorization information, and send it for verification, enabling secure and remote payment processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a physical credit card is used for payment, then the payment system is simple and reliable, but the user cannot make payments if they forget where the card is deposited
Solution Approach 1:
The patent creates a digital copy of the credit card functionality through a two-dimensional barcode that contains encoded card information. This barcode can be displayed on a mobile device screen and used for payments without requiring the physical card, thus resolving the contradiction between payment convenience and availability.
Solution Approach 2:
The patent replaces the mechanical/physical credit card system with an electronic/digital system. Instead of physically carrying and presenting a plastic card, the user displays a digital barcode on a mobile device screen, substituting the mechanical card handling with electronic display and optical scanning.
2Ease of operation
If credit card information is stored digitally, then payment can be made remotely without the physical card, but security verification becomes more complex
Solution Approach 1:
The patent segments the verification process into distinct modules: a connecting module for establishing wireless connections, a login module for credential verification, a determining module for validation logic, and a barcode generation module. This segmentation makes the complex verification system more manageable and implementable.
Solution Approach 2:
The patent introduces a credit card system server as an intermediary that handles the complex verification processes. The server receives login credentials, validates them against stored data, generates the authorization barcode, and verifies it at the terminal, thereby managing complexity centrally rather than in the user device or terminal.
3Adaptability or versatility
If wireless communication is established between mobile device and credit card terminal, then remote payment is enabled, but the system requires multiple components increasing complexity
Solution Approach 1:
The patent makes the mobile device serve multiple functions: it stores credit card information, generates authentication barcodes, establishes wireless connections, and displays payment information. Similarly, the credit card terminal performs multiple functions including scanning, verification, and transaction processing. This multi-functionality reduces the need for separate dedicated devices for each function.
Data Source
AI summary
A system and method of payment using a mobile electronic device establishes a wireless communication connection between a credit card terminal and a credit card system, and logging in the credit card system. The system and method further receives a two-dimensional barcode from the credit card system, wherein the two-dimensional barcode comprising the authorization information, and sends the two-dimensional barcode to the credit card terminal to verify validity of the authorization information. Furthermore, the system and method receives a verification result from the credit card terminal, and prompts a user for payment on a display device of the mobile electronic device, in response to a determination that the authorization information is valid.