Payment Card Service Selection via GUI and Touch Sensors

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Solution Overview

Problem

Existing payment systems lack the ability to seamlessly integrate additional services or features beyond traditional transactions, such as game actions, check-ins, or loyalty rewards, without requiring complex setup or additional devices.

Innovation Solution

A payment card or device with integrated buttons or capacitive sensors allows users to associate additional services via a GUI, which communicates user selections to a point-of-sale system, enabling third-party applications to perform desired features, and a remote facility processes these requests to authorize and settle transactions accordingly.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If a payment system integrates additional services through buttons or capacitive sensors on payment cards, then user experience and service versatility are improved, but device complexity increases

Engineering Contradiction:
Improveservice integration capabilityVSAvoidcard structure complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The payment card is designed to perform multiple functions beyond traditional payment processing. By integrating buttons or capacitive sensors, the card can trigger additional services such as game actions, check-ins, loyalty rewards, and other third-party applications. This multi-functionality allows a single card to serve both as a payment instrument and as a key for accessing various services, thereby improving adaptability without requiring separate devices for each function.

Inventive Principle:
Principle #6Universality (Multi-functionality)

2Ease of operation

If additional services are associated with buttons on payment cards, then ease of operation is improved, but setup complexity increases

Engineering Contradiction:
Improveservice activation convenienceVSAvoidconfiguration complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The system allows users to pre-associate additional services with specific buttons or capacitive sensors on their payment cards through a graphical user interface. Users can configure which services correspond to which buttons in advance, so that when they use the card at a point-of-sale terminal, the desired service is automatically activated without requiring any additional setup or configuration during the actual transaction. This preliminary configuration simplifies operation during use while managing setup complexity through user-friendly interfaces.

Inventive Principle:
Principle #10Preliminary action

3Productivity

If payment cards include integrated buttons or capacitive sensors for additional services, then productivity is improved, but manufacturing complexity increases

Engineering Contradiction:
Improvetransaction processing efficiencyVSAvoidcard production complexity
Core Design Contradiction:
ProductivityVSEase of manufacture

Solution Approach 1:

Instead of manufacturing complex physical buttons with intricate mechanical structures, the system uses capacitive sensors that can be integrated into the card's surface layer. These sensors detect touch inputs through changes in electrical capacitance rather than requiring physical protrusions or mechanical switches. This approach simplifies the manufacturing process while maintaining the functionality of buttons, as capacitive sensors can be manufactured using standard PCB fabrication techniques that are already widely used in the payment card industry.

Inventive Principle:
Principle #26Copying

Data Source

PatentUS20250356400A1Cards, devices, systems, and methods for a ratings management system
Publication Date: 2025.11.20 DYNAMICS INC
  • US20250356400A1 patent drawing
  • US20250356400A1 patent drawing
  • US20250356400A1 patent drawing

AI summary

A user is provided with a GUI that may allow the user to change functionality associated with a non-powered card, a powered card or other device (e.g., a mobile telephonic device). The functionality associated with the device may be displayed by the GUI as a list of third-party applications that may be executed when the user's powered card or other device is used to complete a purchase transaction. The GUI allows the user to rate the user's experience with the executed application and then propagate the user's rating to a ratings database. The ratings database is accessible so that other users may view the rating of each user.