Mobile Payment Transaction Payload Preparation
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Solution Overview
Problem
Current mobile payment systems are inefficient as they require consumers and merchants to re-initiate transactions if the initial payment method fails, leading to inconvenient and time-consuming interactions due to the short duration of near-field communication interactions.
Innovation Solution
The system prepares multiple transaction payloads on a mobile device, allowing for automatic selection and initiation of secondary payment credentials if the primary transaction fails, eliminating the need for additional user or merchant interaction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If the system uses a single payment application identifier for transaction processing, then the transaction initiation is simple and fast, but the system lacks flexibility to switch to alternative payment methods if the primary transaction fails
Solution Approach 1:
The system performs preliminary actions by preparing multiple transaction payloads with different payment application identifiers before the actual transaction execution. When the mobile device communicates with the POS system, it pre-prepares alternative transaction payloads that can be immediately deployed if the primary transaction fails, eliminating the need for re-initiation and providing flexibility without adding operational complexity.
2Reliability
If the system prepares multiple transaction payloads during a single communication interaction, then transaction continuity is improved and re-initiation is avoided, but the communication time and data exchange requirements increase
Solution Approach 1:
Multiple transaction payloads are prepared in advance during the initial communication interaction between the mobile device and POS system. This preliminary preparation ensures that alternative payment methods are ready for immediate deployment if the primary transaction fails, improving reliability while containing the communication duration within a single interaction window.
Solution Approach 2:
The system maintains continuity of useful action by keeping multiple transaction payloads ready in memory during the communication interaction. If the primary transaction fails, the system can immediately continue with alternative payloads without breaking the interaction or requiring re-initiation, thus maintaining continuous useful action throughout the single communication window.
3Ease of operation
If the consumer must re-initiate the transaction after a payment failure, then the system maintains security by requiring fresh authentication, but consumer convenience and transaction efficiency deteriorate
Solution Approach 1:
The system performs preliminary preparation of multiple transaction payloads including authentication data during the initial interaction. This allows the system to maintain security requirements while avoiding the need for consumers to re-initiate transactions, as alternative authenticated payloads are already prepared and can be deployed immediately upon primary transaction failure.
Solution Approach 2:
The system enables self-service by automatically selecting and deploying alternative transaction payloads when the primary transaction fails, without requiring consumer intervention to re-initiate the transaction. The system serves itself by managing the fallback logic and automatically continuing the transaction process with alternative payment methods.
Data Source
AI summary
Methods, systems, apparatuses, and computer-readable mediums for selecting multiple payment applications and preparing multiple transaction payloads for a transaction during interaction between a mobile device and an access device. A merchant may prepare multiple transaction payloads for a single transaction, and initiate transactions using each of the prepared transaction payloads in order of preference. If a transaction initiated using payment credentials associated with a preferred application is unsuccessful for any reason, a transaction may be initiated using payment credentials associated with an alternate application automatically, and without additional interaction by the mobile device and/or access device.