NFC Content Transfer from ATMs to Mobile Devices
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current methods for delivering content such as coupons, ads, and financial documents in the financial industry are inefficient, relying on physical media like paper, which is costly and not aligned with the digital age, especially for mobile wallet users who cannot easily receive digital content during contactless transactions.
Innovation Solution
A system and method for transferring content from external apparatuses like ATMs, smart posters, and contactless payment terminals to mobile devices using near-field communication (NFC) or other contactless connections, allowing for the push or pull of coupons, ads, images, financial receipts, and cards, based on user preferences and location, enabling digital receipt of marketing offers and account-related documents.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If content is delivered using physical media (paper coupons, hard copy ads, paper receipts), then content can be delivered to users, but delivery costs are high and efficiency is low
Solution Approach 1:
The patent replaces the mechanical system of physical media delivery (printing, mailing, handling paper) with an electromagnetic communication system. Content is transmitted digitally from external apparatus to mobile devices via wireless communication, eliminating the need for physical production and distribution of paper materials.
Solution Approach 2:
The patent creates digital copies of content (coupons, ads, receipts) that can be instantly replicated and distributed to multiple mobile devices without additional production costs. The same content can be copied and delivered to unlimited users simultaneously through electronic communication channels.
2Speed
If mobile wallet technology is used for contactless transactions, then transaction speed is improved, but ability to receive digital content during transaction is limited
Solution Approach 1:
The patent makes the mobile device serve multiple functions: it acts as both a contactless payment tool and a content reception device. The same NFC communication channel used for payment is also utilized to transfer marketing content, coupons, and receipts to the mobile device, combining transaction and content delivery functions.
Solution Approach 2:
The patent merges the payment transaction process with the content delivery process. During the contactless transaction when the mobile device is already in proximity to the external apparatus, additional data including marketing content is simultaneously transmitted to the device, combining two functions into one interaction.
3Quantity of substance
If businesses continue to use hard copy advertising and coupon distribution, then content can reach customers, but distribution costs are high and environmental efficiency is poor
Solution Approach 1:
The patent replaces the mechanical distribution system (printing presses, postal services, physical delivery) with an electronic communication system. Content is transmitted digitally through wireless networks, eliminating the physical infrastructure required for traditional advertising material distribution.
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 streamlines the delivery of digital content to mobile devices during contactless transactions, reducing costs associated with physical media, enhancing user receptivity to location-based offers, and improving the efficiency of marketing and financial document distribution.
Implementation Method 1
establishing a contactless connection between a mobile device and an external apparatus... The contactless connection is a near field communication (NFC) connection
Data Source
AI summary
In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like.