Mobile Payment Tag Scanning for Impulse Purchase Completion
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Solution Overview
Problem
Conventional mobile payment systems are cumbersome and time-consuming, making it difficult for consumers to complete purchases on mobile devices, especially when encountering impulse buys, due to the challenges of smaller screens and keypad difficulties, leading to delayed or abandoned purchases.
Innovation Solution
A method that involves starting a payment application on a mobile device, capturing an image of a payment tag associated with a product using the device's camera, which automatically retrieves product information and allows users to provide account credentials and confirm payments through a streamlined process, reducing the complexity and time required for mobile purchases.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional web-based transaction flows are used on mobile devices, then payment security and reliability are maintained, but the operation complexity and time consumption increase significantly
Solution Approach 1:
The payment process is segmented into distinct phases: product tag scanning, account credential verification, and payment confirmation. Each phase is handled by a dedicated module (product retrieval engine, payer account engine, communication engine), allowing the complex process to be broken down into manageable, user-friendly steps that maintain security while reducing operational complexity
Solution Approach 2:
The payment service provider acts as an intermediary between the consumer and the merchant's funding source. The payer account engine verifies credentials and the communication engine securely transmits payment information, creating a trusted intermediary layer that maintains security while simplifying the user experience through automated processes
2Reliability
If conventional web-based transaction flows are used on mobile devices, then payment completeness is maintained, but the time consumption increases making impulse purchases unviable
Solution Approach 1:
The system performs preliminary actions by pre-verified payer account credentials and pre-retrieved product information. When a consumer scans a payment tag, the product information is immediately retrieved and account credentials are already verified, eliminating the need for time-consuming form filling and information searching that would delay impulse purchases
Solution Approach 2:
The manual mechanical process of typing account information, searching for products, and navigating web forms is replaced with automated optical recognition (scanning payment tags), automated information retrieval, and automated credential verification. This substitution dramatically reduces time consumption while maintaining payment completeness through automated engagement of all necessary payment steps
3Weight of moving object
If mobile device keypads and small screens are used for web-based transactions, then device portability is maintained, but data entry accuracy and ease of use deteriorate
Solution Approach 1:
Instead of requiring manual data entry on small keypads, the system uses optical copying through camera-based payment tag scanning. The payment tag information is captured as an image, automatically decoded, and used to retrieve product information, eliminating manual typing errors and making the process as accurate as optical recognition allows while maintaining mobile device portability
Data Source
AI summary
A method for online payments includes receiving an instruction to start a payment application. Payment tag information is then received and sent over a network. Product information that is associated with the payment tag information is then received over the network and displayed on a first payment page that includes a request for payment account credentials. The first payment page is provided through the payment application immediately following the sending of the payment tag information. Payer account credentials are then received through the payment application and sent over the network. Payer account information is then received over the network and displayed on a second payment page that includes a payment confirmation indicator. The second payment page is provided through the payment application immediately following the first payment page. A selection of the payment confirmation indicator is then received through the payment application and sent over the network.