Mobile Terminal Automatic Payment Method Selection via NFC
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Mobile terminals lack efficient methods for convenient and secure payment processing in specific geographic areas, requiring users to manually select payment methods each time, which is inconvenient and time-consuming.
Innovation Solution
A mobile terminal system that allows users to set specific geographic areas and corresponding payment methods, enabling automatic selection and use of payment methods when entering predefined areas through NFC tagging, ensuring seamless and secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual selection of payment methods is required each time, then payment security can be maintained, but user convenience deteriorates and operation time increases
Solution Approach 1:
The system performs preliminary action by pre-configuring payment methods associated with specific locations or merchants before the actual payment transaction. When a user approaches a registered location or selects a merchant, the system automatically retrieves and presents the pre-configured payment method, eliminating the need for manual selection during the transaction and reducing operation time.
Solution Approach 2:
The payment system implements self-service by automatically selecting and executing the appropriate payment method based on pre-established criteria such as location, merchant type, or user preferences. The system serves itself by making intelligent decisions about payment processing without requiring active user intervention for method selection, thereby improving operational convenience.
2Ease of operation
If automatic payment method selection is implemented, then operation convenience is improved, but system complexity increases
Solution Approach 1:
The system applies segmentation by dividing the payment method selection logic into separate, manageable modules: location-based payment rules, merchant-based payment rules, and user preference settings. Each module operates independently and can be configured or modified without affecting the entire system, making the complexity manageable while enabling automatic selection functionality.
Solution Approach 2:
An intermediary component or decision engine is introduced to mediate between the user's payment needs and the available payment methods. This intermediary layer processes the selection logic automatically, shielding the user from system complexity while providing convenient automatic payment method selection. The intermediary handles the complexity of matching users with appropriate payment methods based on various criteria.
3Adaptability or versatility
If multiple payment methods are available for different areas, then adaptability is improved, but ease of operation deteriorates due to manual selection requirements
Solution Approach 1:
The system performs preliminary configuration by establishing which payment methods are valid for specific locations, merchants, or service types before the user needs to make a payment. This pre-establishment of payment method adaptability allows the system to automatically match the appropriate method when a user is at a registered location, maintaining versatility while simplifying operation.
Solution Approach 2:
The system implements feedback mechanisms that detect the user's current context (such as location or selected merchant) and automatically respond by presenting the most suitable payment method. This feedback loop maintains adaptability to different areas while improving ease of operation by eliminating manual selection, as the system feedback-driven selection presents only the relevant payment options based on real-time context.
Data Source
AI summary
A mobile terminal and a control method of the mobile terminal may be provided. The mobile terminal may include a short range communication module, a memory for storing information regarding a payment method, and a controller for making a payment using a payment method corresponding to a location at which a communication link is set, based on the information regarding a payment method.