Offline Terminal Payment Using Display-and-Scan Balance Transfer

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Solution Overview

Problem

Conventional monetary transaction systems fail to facilitate transactions based on monetary data between information terminals when network communication is unavailable.

Innovation Solution

A monetary transaction system and method enabling offline transactions using information terminals equipped with image display and reading units, allowing balance data management and transaction processing without network access, utilizing image reading and display to exchange transaction and payment information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If network communication is used for monetary transactions, then transaction reliability is improved through server verification, but the system cannot operate in network-unavailable environments

Engineering Contradiction:

Improvetransaction reliabilityVSAvoidenvironment adaptability

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The patent divides the monetary transaction system into two independent terminals (first and second information terminals), each capable of performing transaction operations autonomously. The transaction process is segmented into distinct phases: offer phase (second terminal displays transaction offer), acceptance phase (first terminal reads and accepts), and completion phase (payment completion image displayed). This segmentation enables offline operation while maintaining transaction integrity through local verification mechanisms.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces image information as an intermediary carrier for transaction data. Transaction offers, acceptance confirmations, and payment completion status are all transmitted through visual images that can be displayed on screens and captured by camera modules. This intermediary mechanism enables data exchange between terminals without requiring network connectivity, while still ensuring accurate information transfer.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If offline transaction processing is implemented, then environment adaptability is improved by enabling network-independent operation, but transaction verification reliability may be compromised

Engineering Contradiction:

Improveenvironment adaptabilityVSAvoidtransaction verification reliability

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent implements a feedback mechanism where the first terminal displays a payment completion image after successfully processing the transaction, and the second terminal verifies this completion by reading the displayed image. This closed-loop feedback ensures that both terminals have consistent understanding of transaction status, providing verification reliability without requiring network connection to a central server.

Inventive Principle:

Principle #23Feedback

Solution Approach 2:

The patent performs preliminary actions by having the second terminal display a transaction offer image containing all necessary transaction details before the actual transaction occurs. The first terminal reads and stores this information in advance, allowing verification and processing to proceed offline. This preliminary data exchange ensures all transaction parameters are established before network independence is required.

Inventive Principle:

Principle #10Preliminary action

3Adaptability or versatility

If image-based communication is used for offline transactions, then network independence is achieved, but information transmission capacity is limited compared to network protocols

Engineering Contradiction:

Improvenetwork independenceVSAvoidinformation transmission capacity

Core Design Contradiction:

Adaptability or versatilityVSLoss of information

Solution Approach 1:

The patent transitions from traditional network-based information transmission to image-based transmission, effectively changing the dimension of data exchange. By encoding transaction information in visual image format that can be captured by camera modules and processed locally, the system achieves network independence. The image dimension serves as an alternative communication channel that bypasses network requirements while maintaining sufficient information capacity for transaction purposes.

Inventive Principle:

Principle #17Another dimension (Dimensionality change)

Data Source

PatentUS20260004272A1Money transaction system, information terminal, computer program, and money transaction method

Publication Date: 2026.01.01 VARIETY M 1 INC

AI summary

In a monetary transaction system, a first information terminal includes: an acquisition means configured to acquire data of a transaction amount; a payment means configured to, when a user of the first information terminal gives approval for payment of the transaction amount, reduce balance of balance data stored in the first information terminal according to the transaction amount; and a first display means configured to, when reduction of the balance of the balance data has been completed, display payment completion image information on a first image display unit. A second information terminal includes: an image reading means configured to cause an image reading unit to read the payment completion image information displayed by the first information terminal; and a receiving means configured to, when the payment completion image information has been read, increase balance of balance data stored in the second information terminal according to the transaction amount.