Mobile Payment Authorization via POS Integration
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Solution Overview
Problem
The settlement of bills at restaurants or similar establishments can be time-consuming and inconvenient for customers due to the need for multiple interactions with service staff when using payment cards, especially if errors occur, leading to additional delays.
Innovation Solution
A method and system that enables customers to pay their bills using a mobile device by authorizing and capturing payment through a networked computer environment, allowing for seamless integration with a merchant's point-of-sale system, reducing the need for direct interaction with staff and facilitating error detection and correction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If customers use payment cards at restaurants, then payment can be processed through the POS system, but the settlement process becomes time-consuming and inconvenient due to multiple interactions with service staff
Solution Approach 1:
The patent enables customers to initiate and complete payment transactions independently through mobile devices without requiring service staff intervention. The system allows customers to view bills, select payment methods, and authorize transactions autonomously, transforming the traditional staff-mediated payment process into a self-service model that eliminates waiting time and multiple interactions.
Solution Approach 2:
The patent introduces a mobile device as an intermediary between the customer and the POS system. This intermediary enables direct communication and transaction execution, bypassing the need for service staff to physically handle payment cards or manually process transactions. The mobile device acts as a bridge that connects the customer's payment intent directly to the merchant's accounting system.
2Reliability
If customers interact with service staff multiple times for payment card processing, then payment can be completed, but the process becomes complicated and delays leaving the restaurant
Solution Approach 1:
The patent replaces the mechanical interaction process (physical handover of payment cards, manual data entry by staff, sequential verification steps) with an electronic/digital system. Mobile devices communicate wirelessly with the POS system, automatically transmitting payment information and authorization data, thereby eliminating the need for repeated physical interactions and manual processing steps while maintaining transaction reliability.
3Measurement precision
If traditional payment card processing is used, then payment can be settled, but error detection and correction require additional staff interactions
Solution Approach 1:
The patent implements real-time feedback mechanisms where the mobile device and POS system continuously exchange transaction status information. The system provides immediate confirmation of payment authorization, amount verification, and transaction completion directly to the customer's mobile device. This real-time feedback loop enables instant error detection and correction without requiring staff intervention, as customers can verify payment details and receive immediate notifications of any issues.
Data Source
AI summary
Techniques for mobile payments integrated with a booking system are described. In an embodiment, a method includes: receiving a request from a computing device of a user to pay a ticket open at a merchant point-of-sale computer, obtaining a current total ticket amount for the ticket from the merchant point-of-sale computer, determining an estimated total ticket amount based at least in part on the current total ticket amount, authorizing but not capturing payment of the estimated total ticket amount with a payment network gateway computer, after the ticket is closed at the merchant point-of-sale computer, obtaining a final total ticket amount for the ticket from the merchant point-of-sale computer, and capturing payment of the final total ticket amount with the payment network gateway computer.