Mobile Terminal Automatic Transaction Account Selection via NFC
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Solution Overview
Problem
Existing e-wallet systems on mobile devices require users to manually select transaction accounts, leading to inconvenience and poor user experience, especially when dealing with multiple types of cards such as transportation and bank cards.
Innovation Solution
A mobile terminal with at least two different types of transaction account information is equipped with a near field communication (NFC) connection that automatically selects a transaction account based on type information received from a POS terminal, eliminating the need for manual account selection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual account selection is required for transactions, then users can select the correct account type, but user convenience deteriorates and transaction efficiency decreases
Solution Approach 1:
The system enables self-service by allowing the POS terminal to automatically identify its own type through the REQA message and triggering the mobile terminal to automatically select the corresponding account type without user intervention. The mobile terminal's account management module autonomously matches the POS terminal type with the appropriate account, eliminating manual selection steps.
Solution Approach 2:
The system performs preliminary action by pre-configuring multiple account types in the mobile terminal and pre-establishing the correspondence between POS terminal types and account types. When a transaction is initiated, the system has already prepared the account selection logic, so automatic selection can occur instantly without requiring user input during the transaction process.
2Adaptability or versatility
If multiple account types are stored in the mobile terminal, then transaction versatility is improved, but account selection complexity increases
Solution Approach 1:
The account management module acts as an intermediary between the multiple stored accounts and the transaction process. It receives the POS terminal type information, automatically determines the appropriate account type through type matching, and selects the corresponding account without requiring the user to navigate through complex account selection interfaces. This intermediary function simplifies the user experience while supporting multiple account types.
Solution Approach 2:
The system uses parameter changes by utilizing the POS terminal type (identified through REQA message parameters) as the key criterion for account selection. Instead of requiring users to select accounts based on complex criteria, the system changes the selection parameter to simply match the POS terminal type with the corresponding account type, making the selection process automatic and simple.
3Productivity
If automatic account selection is implemented, then transaction efficiency is improved, but reliability may deteriorate due to potential incorrect automatic selection
Solution Approach 1:
The system implements feedback by using the POS terminal type information (obtained through REQA message) as input to the account management module, which then automatically selects the corresponding account type. The selection is based on predetermined correspondence rules between POS terminal types and account types, ensuring accurate matching. This feedback mechanism allows the system to adaptively select the correct account while maintaining high reliability through type-based matching.
Data Source
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AI summary
This application provides an electronic transaction method and a terminal, and relates to the field of communications technologies, so that a mobile terminal can automatically select, based on type information of an electronic device, a transaction account corresponding to the type information of the electronic device, and transact with the electronic device by using the transaction account. In this way, a user operation is simplified and user experience is improved. The method specifically includes: establishing, by a mobile terminal, a near field communication connection to an electronic device, where the mobile terminal includes at least two different types of transaction account information; receiving, by the terminal, a request message sent by the electronic device through near field communication, where the request message includes type information of the electronic device; and obtaining, by the mobile terminal, the type information of the electronic device from the request message, and determining, from the at least two different types of transaction account information based on the type information of the electronic device, a transaction account corresponding to the type information.