Mobile Payment Terminal Disabling Unlikely Means
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Solution Overview
Problem
In existing payment systems, less likely electronic payment means are inadvertently recognized as usable, leading to user inconvenience due to the terminal's sequential inquiry function.
Innovation Solution
A payment system with a terminal that temporarily disables less likely payment means through an external request, allowing only the most suitable payment means to be selected and used, and includes mechanisms for balance adjustments and reserve fund management.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If the terminal sequentially inquires about all electronic money functions in the mobile device, then all available payment means are recognized, but payment means less likely to be selected are also recognized as usable requiring user selection
Solution Approach 1:
The system performs preliminary actions by disabling unnecessary payment means before the inquiry process. The disabling means temporarily disables payment means less likely to be selected based on predetermined criteria (balance thresholds, usage frequency, user preferences) before the terminal inquires about available payment functions, so that only suitable payment means remain active and recognizable.
Solution Approach 2:
The system segments the set of all payment means into two groups: those likely to be selected and those less likely to be selected. The disabling means applies different states (enabled/disabled) to different segments based on their selection probability, allowing the terminal to efficiently recognize only the relevant segment without requiring user intervention for the other segment.
2Reliability
If the terminal recognizes all electronic money functions, then complete payment options are available, but user convenience deteriorates due to unnecessary selection requirements
Solution Approach 1:
The system implements self-service by automatically managing payment means availability without user intervention. The disabling means automatically disables inappropriate payment means based on predetermined criteria (insufficient balance, low usage frequency, user preferences) and the terminal automatically recognizes only suitable payment means, eliminating the need for users to manually select from unnecessary options while ensuring complete payment options are available when appropriate.
3Ease of operation
If the disabling means temporarily disables payment means, then user selection burden is reduced, but system complexity increases due to disabling management mechanisms
Solution Approach 1:
The system introduces a disabling means as an intermediary component that manages the state of payment means. This intermediary layer handles the complexity of disabling/enabling payment means based on various criteria (balance, usage frequency, user preferences) and presents a simplified interface to the terminal and user, masking the underlying management complexity while providing simple payment selection.
Data Source
AI summary
A payment system (100) includes a mobile terminal (1) that includes a plurality of payment means that makes payments and a reader/writer (3) that includes an inquiry means configured to sequentially make inquiries to the mobile terminal (1) about each of a plurality of acceptable payment means and accepts a payment with one payment means specified among available payment means found by the inquiry means by using a payment processing means corresponding to the one payment means, and the mobile terminal (1) further includes a mobile application (14) that temporarily disables one or more payment means among the plurality of payment means in response to an external request.