Mobile Wallet Automatic Element Selection
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Solution Overview
Problem
As the number of wallet elements in mobile wallets increases, users face inconvenience in accessing the appropriate elements for transactions, especially in varying contexts such as different stores or transaction types, leading to a need for automated selection based on user preferences, usage history, and location.
Innovation Solution
A mobile wallet system with an automatic element selector module that determines and presents the most likely desired wallet elements to a contactless terminal by analyzing transaction type, user preferences, usage history, and device location, using NFC communication and dynamic security codes for secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually select wallet elements for transactions, then users can control which element is used, but user convenience deteriorates and transaction time increases as the number of wallet elements grows
Solution Approach 1:
The system enables automatic selection of wallet elements based on transaction context, merchant information, and user preferences without requiring manual user intervention. The mobile wallet autonomously determines which payment method or card to use, eliminating the need for users to manually navigate through multiple wallet elements.
Solution Approach 2:
The system pre-configures user preferences and usage patterns in advance, allowing it to automatically select appropriate wallet elements when a transaction is initiated. User preferences regarding default payment methods, card priorities, and transaction-type-specific selections are established beforehand, enabling rapid automatic selection during actual transactions.
2Productivity
If users manually navigate through wallet elements, then users can ensure secure selection, but transaction speed decreases and time is lost
Solution Approach 1:
The automatic element selection system performs wallet element selection autonomously based on transaction context, eliminating the time users would spend manually navigating through their wallet. The system quickly analyzes the transaction type, merchant category, and user preferences to present or automatically select the appropriate element.
Solution Approach 2:
User preferences and selection criteria are configured in advance, allowing the system to rapidly determine the appropriate wallet element when a transaction is initiated. This pre-configured information enables the system to bypass manual selection processes and directly present or select the most appropriate element.
3Adaptability or versatility
If the mobile wallet stores multiple wallet elements, then user versatility increases, but the difficulty of detecting and measuring the appropriate element increases
Solution Approach 1:
The system analyzes transaction context, merchant information, and historical usage patterns to provide intelligent feedback for element selection. It considers the type of transaction (payment, transit, membership), merchant category, and user preferences to determine the most appropriate wallet element, effectively filtering through multiple stored elements based on relevant criteria.
Solution Approach 2:
The automatic selection system autonomously processes the complexity of choosing among multiple wallet elements by analyzing transaction context and user preferences. It handles the detection and selection process automatically, presenting only the most relevant elements or making the selection without user intervention.
4Extent of automation
If automatic selection is implemented, then user convenience improves and transaction efficiency increases, but system complexity increases
Solution Approach 1:
The automatic element selection system serves multiple functions: it manages payment selections, transit card selections, membership card selections, and can adapt to different transaction types and merchants. This multi-functional approach consolidates what would otherwise require separate manual selection processes for different wallet elements.
Solution Approach 2:
The system autonomously handles the complexity of element selection by analyzing transaction context, merchant information, and user preferences without requiring users to understand or manage the underlying selection logic. The automation manages the system complexity internally while presenting a simple user experience.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Enhances user convenience by automatically selecting the most suitable wallet elements for transactions, reducing the need for user interaction and improving transaction efficiency as the number of wallet elements grows.
Implementation Method 1
Using an antenna in the mobile device, mobile wallets can communicate with contactless readers using radio frequency identification (RFID) such as near field communication (NFC)
Implementation Method 2
Using an antenna in the mobile device, mobile wallets can communicate with contactless readers using radio frequency identification (RFID) such as near field communication (NFC)
Data Source
AI summary
Methods and systems are disclosed for determining a wallet element for a transaction from among plurality of elements in a mobile wallet application operating on a mobile device. The mobile device, can for example, receive data from a contactless terminal that includes a transaction type such as a payment type or non-payment type transaction. Based on the transaction type and element-selection data such as configuration preferences, usage history or device-specific information, one or more mobile wallet element(s) from among the plurality of mobile wallet elements in the mobile wallet can be determined. The contactless terminal can then be sent wallet element data associated with the particular mobile wallet element.