Mobile Payment Activation via User Authentication and Class-Based Parameter Control

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Solution Overview

Problem

Existing electronic payment systems in mobile terminals often result in undesired additional payments and inconvenience due to pre-activated payment functions, which can lead to incorrect fare charges and require unnecessary personal information handling.

Innovation Solution

An electronic payment means activating method and server that allows users to remotely activate and manage payment functions based on user classification, preventing erroneous payments by authenticating user identification and determining the appropriate fare class through a virtual machine and communication network.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If the electronic payment means is pre-activated in the mobile terminal, then the payment function is immediately available for use, but undesired additional payments may occur in accidental situations

Engineering Contradiction:

Improvepayment function availabilityVSAvoiderroneous payment

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The electronic payment means is pre-installed in the mobile terminal but kept in an inactivated state. The activation occurs preliminarily only when the user explicitly requests it through authentication, rather than being immediately active upon installation. This resolves the contradiction by preparing the payment function in advance while controlling its activation to prevent erroneous payments.

Inventive Principle:

Principle #10Preliminary action

2Productivity

If the electronic payment means is always activated, then payment transactions can be processed without delay, but the system cannot adapt to different user classes and fare rules

Engineering Contradiction:

Improvepayment transaction speedVSAvoiduser class adaptation

Core Design Contradiction:

ProductivityVSAdaptability or versatility

Solution Approach 1:

The electronic payment means transitions from a static activated/inactivated state to a dynamic state where activation is controlled by user authentication and class information. The system adaptively activates the payment function with appropriate fare parameters based on the authenticated user's class, enabling both quick processing and proper adaptation to different user categories.

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

The system changes the activation parameter of the electronic payment means based on user authentication results and class information. Different parameter sets (fare rules, discounts, limits) are applied according to the user's class, allowing the same payment function to operate correctly for different user categories without requiring separate systems.

Inventive Principle:

Principle #35Parameter changes

3Adaptability or versatility

If a chip or electronic card is additionally mounted onto the mobile terminal, then the electronic payment means can be provided, but inconvenience occurs due to requiring physical mounting and personal information handling

Engineering Contradiction:

Improvepayment function provisionVSAvoidactivation process convenience

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The invention extracts the activation control function from the physical card or chip mounting process. Instead of requiring users to physically insert cards or chips and manually handle personal information, the system provides the electronic payment means directly in the terminal and activates it remotely through authentication, separating the payment capability provision from the cumbersome physical activation steps.

Inventive Principle:

Principle #2Taking out (Extraction)

4Adaptability or versatility

If the mobile terminal is frequently used by different users, then the payment function serves multiple purposes, but only registered adults can activate the payment means

Engineering Contradiction:

Improvemulti-user functionalityVSAvoidactivation restriction

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The invention introduces an intermediary authentication server that mediates between multiple potential users and the electronic payment means. Instead of requiring complex registration and activation restrictions for each user, the system uses the authentication server to verify user identities and apply appropriate fare rules, simplifying the activation process while maintaining security and proper fare enforcement for different user categories.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS9818097B2Method to activate electronic payment unit in mobile terminal and activity server thereof

Publication Date: 2017.11.14 KOREA SMART CARD CO LTD

AI summary

The present invention relates to an electronic payment means activating method and an activating server thereof. In the electronic payment means activating method, a usage approval of the inactive electronic payment means is requested by using first identification information of the inactive electronic payment means and personal user information of the user terminal, the first identification information is authenticated to determine usage approval of the active electronic payment means, a class of a user is detected by using the personal user information, a first parameter value corresponding to the detected class of the user and a usage approval message are provided to the user terminal, the first parameter value is established in the user terminal, the electronic payment means is activated, and a fare according to the first parameter value is paid by the electronic payment means.