User-Configurable Priority List for Mobile Payment Apps
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Solution Overview
Problem
Current mobile devices lack a robust system for managing and prioritizing multiple electronic payment applications, limiting user control and flexibility in selecting payment methods during transactions, and do not provide secure platforms for financial services.
Innovation Solution
A mobile device system that enables user-configurable electronic payment application priority, allowing users to manage and prioritize multiple payment applications, with options for end-user or issuer control, using near field communication and secure data structures to facilitate transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple electronic payment applications are stored on a mobile device, then payment versatility is improved, but application selection complexity increases
Solution Approach 1:
The system pre-establishes a priority ordering of payment applications before transactions occur. This preliminary arrangement eliminates the need for complex real-time selection decisions, as the highest priority application is automatically selected unless the user specifies otherwise.
Solution Approach 2:
The system enables automatic selection of payment applications based on pre-configured priorities without requiring active user intervention for each transaction. The mobile device autonomously manages application selection, reducing operational complexity for the user.
2Ease of operation
If manual card selection is used at POS, then user control is maintained, but transaction efficiency decreases
Solution Approach 1:
The system automatically selects and presents payment applications to the POS terminal without requiring manual user input during transactions. This self-service approach maintains user control through pre-configured priorities while significantly improving transaction speed and efficiency.
Solution Approach 2:
User preferences and payment application priorities are configured in advance, allowing the system to automatically execute the preferred payment method during transactions without requiring real-time user decisions at the POS.
3Reliability
If payment application priorities are fixed, then system reliability is improved, but user flexibility decreases
Solution Approach 1:
The system allows payment application priorities to be dynamically adjusted by users or issuers. Priorities can be modified at different times (e.g., different days of the week, different locations) to balance system reliability with user flexibility and changing payment preferences.
Solution Approach 2:
The system provides feedback mechanisms that allow users to review and adjust payment priorities based on transaction history and usage patterns. This enables the system to maintain reliability through consistent default selections while adapting to user needs over time.
Data Source
AI summary
A mobile device as disclosed herein can support a plurality of electronic payment applications such as credit and/or debit applications. During a payment transaction, the mobile device communicates a priority list of the electronic payment applications to a point of sale terminal, which then selects one of the applications for completion of the payment transaction, where the selection is governed by the priority list. The data structure corresponding to the priority list is configured such that the end user of the mobile device has management access rights to at least some of the electronic payment applications. Such end user management access rights can be used to modify the relative priority of the electronic payment applications.