Mobile Terminal NFC Integrated Payment Method
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Solution Overview
Problem
Existing payment systems using coupons and discount benefits are inconvenient, as they require physical printed coupons, multiple cards, and individual explanations, leading to issues like omission, forgery, and difficulty in recognizing applicable discounts, especially with the rise of online commerce.
Innovation Solution
A method utilizing Near Field Communication (NFC) in mobile terminals to integrate various discount benefits into a single payment information, allowing for RFID tag information reception, analysis, and transmission of discount information for seamless application during transactions, reducing the need for direct server access and improving convenience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If physical printed coupons and multiple cards are used for discount benefits, then discount information can be provided, but convenience deteriorates due to carrying multiple items and individual explanations
Solution Approach 1:
The patent merges multiple discount benefit types (coupons, membership cards, stamps, point accumulation) into a single integrated payment information structure stored in the mobile terminal's memory. This consolidation eliminates the need for users to carry and manage multiple separate physical items while ensuring all discount benefits can be applied systematically during payment processing.
Solution Approach 2:
The mobile terminal is designed to universally store and process various types of discount benefit information in a single integrated structure. The system can handle different discount types (coupons, membership benefits, stamps, points) through a unified payment information framework, making the terminal multi-functional for various payment scenarios without requiring separate systems for each benefit type.
2Adaptability or versatility
If multiple separate systems for coupons and membership are used, then specific benefits can be provided, but device complexity increases due to need for multiple cards and individual explanations
Solution Approach 1:
The patent combines multiple separate benefit systems (coupons, membership cards, stamps, point accumulation) into a single integrated payment information structure. This merging reduces device complexity by eliminating the need for multiple separate cards and systems while maintaining the ability to provide diverse discount benefits through a unified data structure stored in mobile terminal memory.
3Productivity
If direct server access for electronic coupon download is used, then coupon acquisition is possible, but loss of time increases due to lengthy download processes
Solution Approach 1:
The patent implements preliminary action by pre-storing discount benefit information and payment applications in the mobile terminal's memory before actual payment occurs. The integrated payment application is prepared in advance with all necessary discount benefit data, eliminating the need for time-consuming server access and downloads during the actual payment transaction, thus significantly reducing transaction time.
4Reliability
If paper coupons are carried and used offline, then discount benefits can be applied, but ease of operation deteriorates due to manual handling and record-keeping requirements
Solution Approach 1:
The patent creates a digital copy of physical paper coupons by storing discount benefit information electronically in the mobile terminal's memory. This digital copying eliminates the need for physical handling, carrying, and manual record-keeping of paper coupons while maintaining the functionality of applying discount benefits. The electronic representation of coupons can be automatically managed and applied through the integrated payment application.
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 enables efficient, secure, and convenient integration of discount benefits, reducing transaction time and signaling overhead, while preventing errors and misuse by centralizing discount information within the mobile terminal.
Implementation Method 1
receiving Radio Frequency Identification (RFID) tag information using a mobile terminal from a payment system in an NFC scheme
Data Source
AI summary
Disclosed herein is a method for performing an integrated payment using Near Field Communication (NFC). The method is performed using a mobile terminal. The mobile terminal receives Radio Frequency Identification (RFID) tag information from a payment system in an NFC scheme. The mobile terminal analyzes the received RFID tag information, and then extracts an integrated payment application which corresponds to the RFID tag information. The mobile terminal drives the integrated payment application and transmits discount benefit information to the payment system.