NFC Payment Authorization via Registration Request Messages
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Solution Overview
Problem
Existing systems for electronic financial payments using NFC technology do not provide a comprehensive method for multiple users to perform payments using a single piece of financial account information, leading to inconsistencies and limitations in smartphone data usage.
Innovation Solution
A method and apparatus that enable a first terminal to transmit and register financial account information with a second terminal using NFC connections, allowing the second terminal to perform payments by generating a registration request message and communicating with a financial organization server, thereby enabling multiple users to use the same financial account information for payments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If credit card information is converted into electronic form and stored in a terminal, then payment convenience is improved, but data inconsistency and purchaser use limitations occur
Solution Approach 1:
The system segments the payment authorization process by separating the credit card information storage (in the first terminal) from the payment execution (in the second terminal). The registration request message acts as an authorization token that allows the second terminal to use the first terminal's credit card information without directly accessing or storing it, thus maintaining data consistency while enabling convenient payment.
Solution Approach 2:
The patent introduces an intermediary mechanism (the registration request message and financial organization server) that mediates between the credit card holder's terminal and the payment-making terminal. This intermediary system verifies and authorizes the payment relationship without requiring direct data sharing, resolving the contradiction between convenience and data consistency.
2Adaptability or versatility
If multiple users want to use one financial account information, then payment flexibility is improved, but system complexity increases
Solution Approach 1:
The system achieves universality by enabling any authorized terminal (second terminal) to perform payments using the first terminal's credit card information through the registration mechanism. The financial organization server maintains a universal authorization database that recognizes multiple terminals associated with a single financial account, providing flexible multi-user access without requiring each user to have separate accounts.
Solution Approach 2:
Instead of copying sensitive credit card information to multiple terminals (which would increase security risks and system complexity), the system creates authorization copies in the form of registration request messages. These messages contain encrypted or tokenized authorization data that allows multiple terminals to reference the original financial account without duplicating sensitive information, thus maintaining flexibility while controlling complexity.
3Reliability
If NFC technology is used for financial payment, then security and connection speed are improved, but compatibility and user accessibility decrease
Solution Approach 1:
The patent merges the advantages of NFC technology (secure, fast connection) with traditional payment accessibility by combining direct NFC payment (when both parties have NFC terminals) with the registration-based payment system (when users don't have NFC capability). The system accepts both NFC-initiated payments and registered terminal payments, merging secure NFC functionality with broad user accessibility through multiple payment pathways.
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 allows multiple users to perform financial payments using a single set of financial account information without opening additional accounts, ensuring secure and efficient transactions by utilizing NFC connections and financial organization servers for registration and authentication.
Implementation Method 1
a Near Field Communication (NFC) technology using a magnetic field induction scheme offering relatively high security
Data Source
AI summary
Disclosed are a system for performing payment, and a recording medium storing a program source for the method. The method employed by a first terminal enables a second terminal to perform payment for a product purchase using one or more pieces of financial account information accessible by the first terminal by: transmitting the one or more pieces of financial account information to the second terminal using an NFC connection; generating a registration request message comprising a request for registration of the second terminal associated with the transmitted financial account information enabling the second terminal to perform the payment by using the transmitted financial account information; and transmitting the registration request message to a financial organization server, the financial organization server being associated with the transmitted financial account information.