Presence-Based Mobile Payment via Advertising Channel Broadcast
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Solution Overview
Problem
Current methods for presence-based mobile payments are fragmented and lack efficiency, hindering their widespread adoption due to varying standards and processes for transaction execution.
Innovation Solution
A method and system for presence-based mobile payments that involve user registration with a mobile payment service, broadcasting transaction identification through an advertising channel by the point of sale system, and facilitating payment authorization and execution via a mobile device, allowing for seamless transactions without the need for formal pairing or extensive user interaction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If current presence-based mobile payment methods are used, then payment functionality is provided, but transaction speed and adoption rate are limited due to fragmented standards and complex processes
Solution Approach 1:
The patent implements a universal advertising channel that serves multiple purposes: device discovery, transaction identification, and payment initiation. This single channel replaces multiple specialized communication protocols, enabling different devices and systems to interoperate without requiring device-specific pairing procedures, thereby increasing transaction speed while reducing process complexity
Solution Approach 2:
The patent extracts the security key exchange step from the payment process by using broadcast transaction identifiers that can be publicly shared without compromising security. The sensitive authentication occurs server-side through token validation, while the mobile device only needs to receive and present the broadcast transaction ID, eliminating complex local key management and reducing transaction steps
2Reliability
If formal security key exchanges are implemented, then payment security is improved, but transaction time and user interaction requirements increase
Solution Approach 1:
The patent introduces a server-side payment service as an intermediary that handles secure authentication and token validation. The mobile device communicates only with the PoS system through public transaction identifiers, while the server mediates the secure payment authorization between the user's bank and the merchant, maintaining security without requiring direct secure key exchange between the mobile device and PoS system
Solution Approach 2:
The patent performs preliminary authentication and token generation during the registration phase, where users pre-register their payment methods and receive authentication tokens. This preliminary action ensures that during the actual transaction, only quick validation of pre-verified tokens is needed, maintaining security while dramatically reducing transaction time
3Adaptability or versatility
If multiple payment standards are supported, then system adaptability is improved, but implementation complexity and fraud risks increase
Solution Approach 1:
The patent creates a universal advertising channel interface that can carry transaction identifiers from any payment standard or system. The channel itself is standard-based (using established Bluetooth advertising or similar protocols), but the content format is flexible to accommodate different payment systems, enabling broad device compatibility without requiring the system to implement multiple complex payment standards simultaneously
Solution Approach 2:
The patent changes the parameter being transmitted over the advertising channel from device-specific protocol data to a standardized transaction identifier format. This parameter transformation allows the same channel structure to carry information from different payment systems while maintaining a consistent, simple processing model, reducing implementation complexity while preserving adaptability
Data Source
AI summary
A method for presence based mobile payment comprises receiving, from a user, a request for registration with a mobile payment service, registering, by the mobile payment service, the user based on the request, broadcasting, by a point of sale (PoS) system and through an advertising channel, an identification of a transaction, wherein the transaction comprises an item, wherein the advertising channel is used for discovery of available devices, and wherein the user is purchasing the item at the PoS system, receiving, from a mobile device of the user, a payment authorization for the transaction, and facilitating, by the mobile payment service, payment for the transaction.