NFC Value Transfer Code for Offline Mobile Payments
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Solution Overview
Problem
Traditional mobile payment technologies require network coverage for transactions, leading to security issues and inability to process payments in areas without connectivity.
Innovation Solution
A system utilizing Near Field Communication (NFC) to generate and transmit a value transfer code containing account information and transfer value, allowing preliminary processing without network connections, with verification and storage on a second device until network connectivity is established, enabling secure transactions even without network coverage.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If traditional mobile payment technologies are used, then network coverage is required for transactions, but this leads to inability to process payments in areas without connectivity
Solution Approach 1:
The system performs preliminary actions by generating and storing value transfer codes locally on the second device before network connectivity is available. The code generation includes embedding account information and transfer value in a structured format, and the code is stored in the device's database for later transmission when network connection is restored, enabling payment processing in areas without connectivity.
2Reliability
If network coverage is required for transactions, then transaction security can be maintained through server verification, but this reduces usability in areas without network coverage
Solution Approach 1:
The transaction process is segmented into two independent parts: (1) value transfer code generation and local storage on the second device, and (2) server verification and value transfer execution. This segmentation allows the first part to be performed offline on the user's device, improving usability, while the second part maintains security through server verification when connected.
Solution Approach 2:
A value transfer code serves as an intermediary that carries account information and transfer value from the first device to the second device. This code can be generated and stored locally without network connection, then transmitted and verified by the server later, bridging the gap between offline usability and online security verification.
3Ease of operation
If value transfer codes are transmitted through NFC channel, then data transmission can occur without network connection, but this requires secure local storage and verification mechanisms
Solution Approach 1:
The system changes the parameter of data transmission from requiring network connectivity to using NFC short-range communication. The value transfer code is structured with specific fields (account information, transfer value) that can be validated locally, changing the verification parameter from server-dependent to locally-executable, thereby enabling offline operation.
Data Source
AI summary
A first client obtains a transfer value, generates a value transfer code based on account information and the transfer value, and enables a near field communication channel to transmit the value transfer code to the second client. The second client obtains the value transfer code transmitted from the first client through the near field communication channel, verifies the value transfer code, and in response to the value transfer code passing the verification, transmits the value transfer code to the server and the server carries out the value transfer according to the value transfer code.