NFC Payment on Mobile Terminal via Inactive Screen Connection
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing mobile payment processes are complex and require users to unlock their screens and navigate to payment apps to establish connections for NFC transactions, which is inefficient and insecure.
Innovation Solution
An NFC payment method and apparatus that allows direct NFC connections and payment authentication on a mobile terminal even when in an inactive-screen state, enabling quick and secure payments without screen activation, by integrating NFC payment functionality into a payment app that monitors NFC events and initiates payment processes upon connection detection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional mobile payment process is used, then payment security can be maintained, but operation complexity and time increase significantly
Solution Approach 1:
The payment application performs preliminary actions by monitoring NFC connection events in advance. When a user approaches a POS terminal, the system pre-establishes monitoring mechanisms that automatically detect NFC connections, allowing the payment process to initiate without requiring the user to manually open the app or activate the screen first.
Solution Approach 2:
The payment system implements self-service functionality where the mobile terminal automatically detects NFC connections to POS terminals and initiates payment processes without requiring manual user intervention. The system autonomously monitors connection events, authenticates users, and processes payments based on pre-configured settings.
2Loss of time
If screen activation is required for NFC payment, then user control and security are improved, but operation time and convenience deteriorate
Solution Approach 1:
The system performs preliminary monitoring of NFC connection events before the user completes the payment action. The payment application is pre-configured to detect NFC connections automatically, eliminating the need for the user to activate the screen or manually initiate the payment process.
Solution Approach 2:
The patent replaces the mechanical action of screen activation with an automated NFC-based detection system. Instead of requiring physical interaction with the screen to start payment, the system uses NFC connection events as the trigger mechanism, substituting manual operation with automated electronic detection.
3Productivity
If direct NFC connection is enabled without screen activation, then operation speed improves, but potential security risks increase
Solution Approach 1:
The system performs preliminary authentication actions before allowing direct NFC payment. User authentication is required in advance to establish payment credentials, and the system pre-verifies payment information before the actual transaction, ensuring security is maintained even during rapid automated operations.
Solution Approach 2:
The payment system implements feedback mechanisms that continuously monitor authentication status and payment progress. The system provides real-time feedback to verify user identity and payment authenticity, allowing secure automated transactions by confirming security parameters at each stage of the payment process.
Data Source
AI summary
Disclosed embodiments include an NFC payment method and apparatus implemented on a mobile terminal. In some embodiments, an NFC payment function of a mobile terminal is activated; an NFC connection to a POS terminal is directly established in an inactive-screen state, so as to start the current payment process; payment authentication is performed on a user, so as to instruct the POS terminal to make a payment when the authentication is completed. Some embodiments of the present disclosure provides a more convenient and efficient NFC payment manner. In some embodiments, the system can directly invoke NFC quick payment in an inactive-screen state, which significantly reduces an operation time and operation cost of a user. Moreover, the user may need to be authenticated before the payment, which also guarantees the security of the payment. Therefore, some embodiments of the present disclosure provides better mobile quick payment experience for the user.