Mobile Terminal Card Selection via Settlement Environment
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Solution Overview
Problem
Current methods for payment settlements using IC chip cards on mobile terminals are inconvenient due to the need for manual selection of cards through a menu-driven interface, which complicates the process and increases user effort.
Innovation Solution
A method and apparatus that determine a suitable card for settlement based on the device's location and card use history, using a device to acquire settlement environment information and card use history, compare card benefits, and provide settlement information to a POS terminal via NFC, allowing for automatic card selection and streamlined payment processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual card selection through menu-driven interface is used, then user control over card selection is maintained, but operation complexity and user effort increase significantly
Solution Approach 1:
The system automatically determines and selects the appropriate card for settlement without requiring manual user input. The mobile terminal autonomously acquires settlement environment information, compares it with stored card information, and selects the most suitable card, thereby eliminating the need for complex menu-driven interfaces and manual card selection operations.
Solution Approach 2:
Card information is pre-stored in the mobile terminal before the settlement process. The system prepares multiple card options in advance and automatically selects from them based on the settlement environment, eliminating the need for users to manually navigate through menus during the actual settlement moment.
2Loss of time
If automatic card selection is implemented, then user effort and operation time are reduced, but system complexity increases due to environmental sensing and card comparison logic
Solution Approach 1:
The mobile terminal autonomously performs the entire card selection process including acquiring settlement environment information, comparing it with stored card information, and determining the appropriate card. This automation eliminates time loss associated with manual card selection while the complexity is managed through integrated system design.
3Quantity of substance
If multiple cards are stored in a single chip card, then card storage capacity is increased, but card selection complexity increases requiring additional interface operations
Solution Approach 1:
The system automatically manages multiple stored cards by acquiring settlement environment information and autonomously determining which card is most appropriate for the current transaction. This eliminates the need for users to manually navigate through multiple cards via menu interfaces, thereby maintaining ease of operation despite storing multiple cards.
Solution Approach 2:
Multiple card options are pre-stored in the mobile terminal with their respective information. The system prepares these cards in advance and automatically selects from them based on settlement environment analysis, eliminating the need for users to manually access and select from multiple cards during the transaction.
Data Source
AI summary
A method and an apparatus for using a device to determine an item, such as, for example, a card based on an interaction environment, such as, for example, a settlement environment, are provided. The method by which a device determines a card to be used in a settlement includes: acquiring a card use history of a card, which is stored in the device; acquiring information which relates to a settlement environment of the device; determining a card to be used in the settlement, based on the acquired information relating to the settlement environment and the acquired card use history; and providing settlement information which relates to the determined card to a point of sale (POS) terminal.