Payment Card Migration via Batch Device Selection

Solution Overview

Problem

The existing methods for migrating a payment card from one electronic device to another are cumbersome, requiring multiple unbinding and binding operations, especially when dealing with multiple payment cards, which complicates the process and increases user effort.

Innovation Solution

A method and apparatus that allow for the migration of a payment card by displaying device identifiers, selecting a target device, and sending the identifier to a server to migrate the card, eliminating the need for individual unbinding and binding operations, and incorporating a verification code process for security without requiring manual input of verification codes for each card.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the user performs individual unbinding and binding operations for each payment card migration, then the payment card can be migrated between devices, but the user operations become very cumbersome and time-consuming

Engineering Contradiction:

Improvepayment card migration completionVSAvoiduser operation simplicity

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent merges multiple individual unbinding and binding operations into a single batch migration operation. The system allows users to select multiple payment cards at once and migrate them together through one unified process, eliminating the need to perform separate unbinding and binding operations for each card individually.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system performs preliminary actions by pre-fetching and caching payment card information from the server before the actual migration operation. When a user initiates a migration, the necessary card details are already prepared and stored locally, enabling rapid batch migration without requiring manual input of card information during the migration process.

Inventive Principle:

Principle #10Preliminary action

2Reliability

If the system requires manual input of verification codes and card details for each card migration, then security can be maintained, but the migration process becomes complex and time-consuming

Engineering Contradiction:

Improvemigration securityVSAvoidmigration time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-fetching and caching payment card information from the server before the actual migration operation. When a user initiates a migration, the necessary card details are already prepared and stored locally, enabling rapid batch migration without requiring manual input of card information during the migration process.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system implements a feedback mechanism where verification codes are automatically sent to and received from the user's device during the migration process. The system monitors the migration status and provides real-time feedback to the user, automatically handling the verification process without requiring manual intervention for each card.

Inventive Principle:

Principle #23Feedback

3Reliability

If multiple payment cards are migrated using individual operations, then each card can be properly bound, but the total number of operations increases significantly

Engineering Contradiction:

Improvecard binding accuracyVSAvoidmigration efficiency

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The patent merges multiple individual unbinding and binding operations into a single batch migration operation. The system allows users to select multiple payment cards at once and migrate them together through one unified process, eliminating the need to perform separate unbinding and binding operations for each card individually.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system performs preliminary actions by pre-fetching and caching payment card information from the server before the actual migration operation. When a user initiates a migration, the necessary card details are already prepared and stored locally, enabling rapid batch migration without requiring manual input of card information during the migration process.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS11875336B2Method and apparatus for migrating payment card, electronic device, server and medium

Publication Date: 2024.01.16 CHINA UNIONPAY

AI summary

The present application discloses a method and an apparatus for migrating payment card, an electronic device, a server and a medium. The method for migrating payment card includes: receiving payment card migration operation after an account is logged in on the first electronic device; displaying, in response to payment card migration operation, at least one device identifier which is an identifier of a target electronic device on which the account had been logged in; receiving a first selecting operation for a target device identifier of the at least one device identifier; and sending, in response to the first selecting operation, the target device identifier to a server, to cause the server to migrate a payment card bound to a second electronic device to the first electronic device, wherein the second electronic device is an electronic device corresponding to the target device identifier of at least one target electronic device.