Mobile Payment System Application Selection and Fallback
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Solution Overview
Problem
Current mobile transactions and payments lack enhanced convenience, security, and experiences for merchants, consumers, and payment service providers, limiting their efficiency and effectiveness.
Innovation Solution
The system enhances mobile transactions by allowing near field communication (NFC) terminals to request specific applications for processing, providing enhanced merchant experiences, secure data exchange through public key registries, and utilizing rendezvous requests for multi-step transactions, ensuring secure and efficient processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If basic NFC interaction is used for mobile transactions, then device compatibility is maintained, but convenience and user experience are limited
Solution Approach 1:
The system dynamically selects between standard NFC processing and application-specific processing based on the transaction type and device capabilities. The mobile device can switch between basic NFC mode and enhanced application mode, allowing the system to adapt its operation dynamically to provide both compatibility and enhanced functionality when needed.
Solution Approach 2:
The patent implements a universal transaction framework that can handle both standard NFC transactions and application-specific transactions through a single system. The mobile device is designed to support multiple transaction modes, making it versatile enough to handle various transaction types while maintaining basic NFC compatibility across all devices.
2Reliability
If standard NFC processing is used, then system simplicity is maintained, but security is insufficient
Solution Approach 1:
The patent introduces an intermediary application layer that sits between the standard NFC processing and the transaction logic. This intermediary handles the complex security requirements and application-specific processing, shielding the user from complexity while providing enhanced security. The application acts as a mediator that translates between simple NFC commands and complex security protocols.
Solution Approach 2:
The system segments the transaction processing into distinct layers: standard NFC communication layer, application-specific processing layer, and security validation layer. This segmentation allows each layer to be optimized independently, with security functions isolated in their own layer, reducing overall system complexity while enhancing security.
3Productivity
If application-specific processing is requested, then transaction efficiency is improved, but device compatibility may be reduced
Solution Approach 1:
The system dynamically determines whether to use application-specific processing or fall back to standard NFC processing based on device capabilities and transaction requirements. The mobile device checks for available applications and automatically selects the most efficient processing mode, maintaining high transaction efficiency for compatible devices while ensuring compatibility with all devices through the fallback mechanism.
Solution Approach 2:
The patent implements a copying mechanism where application-specific transaction logic can be replicated across multiple devices. The system can copy and distribute application bundles or configuration data to mobile devices, enabling them to perform application-specific processing. This allows efficient processing to be replicated across compatible devices without requiring complex centralized coordination.
Data Source
AI summary
Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving configuration information that allows a mobile payment system to request that a computing device use an application for a requested mobile transaction, sending a request to the computing device to use the application for the mobile transaction, receiving a response indicating whether the application is available to the computing device, automatically processing the mobile transaction using the application when the application is available to the computing device, and processing the mobile transaction using standard processing without use of the application when the application is unavailable to the computing device or the user wishes to use standard processing.