Contactless Payment Access Control via Hot List Validation
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
High congestion at entry points of services like mass transit systems due to slow processing of payment transactions using contactless payment cards.
Innovation Solution
A system that includes read devices for contactless payment cards, control blocks to manage access and payment authorizations, and memory blocks for white and hot lists, allowing users to access services before completing online payment authorization and controlling entry and exit gates based on payment card status.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If online payment authorization is required before service access, then payment security is improved, but user wait time and entry gate congestion increase
Solution Approach 1:
The system performs preliminary actions by pre-authorizing payment cards offline before service entry, storing authorization results in white lists and hot lists. This allows users to access services without real-time online authorization delays, while still ensuring payment security through pre-validated card status checks.
Solution Approach 2:
The patent extracts the online authorization step from the mandatory entry process. By separating online and offline authorization modes, the system allows users with pre-authorized cards (white list) to enter without online verification, while still maintaining security by checking against the hot list and performing offline validation. This extraction reduces wait time while preserving payment security.
2Speed
If contactless payment cards are used for mass transit, then payment processing speed is improved, but congestion at entry points still occurs due to high user volume
Solution Approach 1:
The system performs preliminary offline authorization of payment cards before service entry, storing results in white lists (authorized) and hot lists (denied). This allows users to access services without real-time online verification delays, significantly increasing entry gate throughput while maintaining payment security through pre-validated card status checks.
Solution Approach 2:
The system enables self-service by allowing pre-authorized users (white list) to access services autonomously without operator intervention or real-time online verification. The automated gate system independently validates cards against stored lists, enabling high-speed processing that handles mass transit user volumes efficiently.
3Measurement precision
If white list and hot list validation is implemented, then access control accuracy is improved, but system complexity increases
Solution Approach 1:
The system uses simplified data structures (white list and hot list) that store only essential card identifiers and authorization status. This copying approach replicates authorization results across multiple entry points without requiring complex real-time validation logic at each gate, maintaining high access control accuracy while minimizing system complexity.
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
Substantially reduces wait times at entry gates by allowing access before completing online payment authorization and ensures efficient management of payment card access through white and hot lists.
Implementation Method 1
the read device reads the payment card by retrieving data from a radio frequency identification (RFID) transponder of the payment card
Data Source
AI summary
A system for controlling user access to a service includes a read device that reads a payment card of a user, and a first control block coupled an entry gate determines whether online payment authorization should be requested for the payment card. A first memory stores a hot list indicating payment cards for which the first control block denies user access to the service. If the online payment authorization is denied for the payment card, the first control block adds the payment card to the hot list. A further read device is configured to read the payment card, and a second control block coupled to the further read device controls a second gate after determining whether the payment card is on the hot list stored in a second memory coupled to the second control block, the hot list being updated with modifications via a network.