NFC Card Tapping During Calls to Reduce Payment Dropout

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Solution Overview

Problem

In home shopping scenarios, customers often dropout during card information input stages, leading to inconvenience and potential issues with card registration and usage, especially due to varying discount rates and benefits across different card companies.

Innovation Solution

A method utilizing NFC functionality on mobile phones to facilitate payments during phone calls by activating NFC functionality, reading payment card information, and processing payments through a server, eliminating the need for manual card number input and ensuring seamless transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If manual credit card information input is required during phone calls, then payment processing can be completed, but customer dropout rate increases and convenience decreases

Engineering Contradiction:

ImprovePayment convenienceVSAvoidPayment completion rate

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent replaces manual mechanical input of credit card information with NFC (Near Field Communication) technology. The system detects when a payment card is physically接近 the mobile phone and automatically retrieves card information through NFC communication, eliminating the need for customers to manually type or speak card details during the phone call, thus reducing dropout rates and improving convenience

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system enables self-service payment processing by automatically detecting the payment card through NFC, retrieving card information, and initiating payment authorization without requiring customer intervention for data entry. The mobile phone and call system work together to automatically complete the payment process, allowing customers to simply present their card and confirm the transaction

Inventive Principle:

Principle #25Self-service

2Ease of operation

If card information is stored for future use, then registration convenience improves, but card re-registration is required when cards expire or discounts change

Engineering Contradiction:

ImproveRegistration convenienceVSAvoidCard usage flexibility

Core Design Contradiction:

Ease of operationVSAdaptability or versatility

Solution Approach 1:

The system performs preliminary action by storing payment card information in the mobile phone's memory during an initial registration process. When the same card is presented again via NFC, the system automatically retrieves the stored information and applies associated benefits or discount rates without requiring re-registration, maintaining both convenience and adaptability

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system provides multi-functionality by supporting both stored card information retrieval and new card registration through the same NFC interface. It can handle multiple card types and automatically select appropriate discount rates or benefits based on the detected card, making the system universally applicable to different payment scenarios without requiring separate processes

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Productivity

If NFC functionality is automatically activated, then payment process speed increases, but system complexity increases

Engineering Contradiction:

ImprovePayment processing speedVSAvoidNFC system complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system implements dynamic NFC activation where the NFC functionality is automatically enabled only when a payment card is detected接近 the mobile phone during an active call. The system monitors the proximity sensor or NFC state and dynamically switches NFC on or off based on real-time conditions, optimizing processing speed while minimizing unnecessary system activity and complexity

Inventive Principle:

Principle #15Dynamics

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

This solution minimizes customer dropout rates during payments, simplifies the purchasing process, and allows for secure NFC payments without separate authentication procedures, enhancing the efficiency and success rate of home shopping transactions.

Implementation Method 1

determine if a near field communication (NFC) functionality of the phone is active

Methodology Applied

Scientific EffectNear field communication (NFC):

Data Source

PatentUS12260391B2Paying telephonic order by tapping card on mobile phone

Publication Date: 2025.03.25 CALL GATE CO LTD

AI summary

The present application relates to a payment system in a call system such as home shopping, and more specifically, to the NFC simple payment system for the call system that allows NFC simple payment to be made using the customer's physical card while connected to a phone call. The present application discloses providing NFC simple payment system for call system that requests payment through the customer's mobile phone terminal means during the phone calling, and in response to this, the NFC payment can be made by the user contacting the card to the mobile phone terminal means, thereby allow users to easily make payments while on the phone by contacting only his/her own card without a separate authentication procedure.