Mobile Payment Code Display Triggered by POS Position Sensing
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Solution Overview
Problem
The generation of machine-readable payment codes, such as QR codes, requires significant back-end resources and network communication, which is time-consuming and bandwidth-intensive.
Innovation Solution
Payment codes are generated only when the mobile device senses it is positioned to present the code to a point-of-sale terminal, using onboard sensors like gyroscopes and accelerometers, and the code is transmitted to the device for display.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If machine-readable payment codes are generated proactively, then payment processing speed is improved, but back-end resource consumption and network traffic increase
Solution Approach 1:
The system performs preliminary actions by pre-generating and storing payment codes for future use. Multiple payment codes are generated in advance and stored in the payment device, so when a transaction is needed, a code is already available for immediate use without requiring real-time generation and network communication.
Solution Approach 2:
The system transitions from centralized back-end code generation to local code storage. Payment codes are stored locally in the payment device rather than being generated on-demand by the back-end system, reducing network traffic and back-end resource consumption while maintaining fast access.
2Quantity of substance
If machine-readable payment codes are generated on-demand, then network bandwidth is conserved, but payment processing time increases
Solution Approach 1:
Payment codes are generated in advance and stored locally in the payment device. This preliminary action eliminates the need for real-time network communication during transactions, reducing both network traffic and transaction time.
Solution Approach 2:
Instead of generating unique codes on-demand through network communication, the system creates copies of payment codes and stores them locally in the payment device. These copied codes can be used immediately without requiring back-end generation, reducing network traffic while maintaining fast access.
3Loss of energy
If payment codes are generated in advance, then network traffic is reduced, but code security and freshness may be compromised
Solution Approach 1:
The system uses tokenization to transform sensitive payment information into tokens. The payment codes stored locally are tokens that reference actual payment accounts but contain no sensitive data. This parameter change maintains security while allowing advance code generation and local storage.
Solution Approach 2:
The system creates secure copies of payment credentials in the form of tokens stored in the payment device. These token copies are designed to be as secure as the original credentials while enabling offline use, thus reducing network traffic without compromising security.
Data Source
AI summary
Systems and methods for enhanced payment codes are disclosed. According to one embodiment, a method for presenting a machine-readable code to a transaction terminal may include (1) a computer payment application executed by a computer processor of a mobile electronic device displaying an image of a first payment device on a display; (2) the computer payment application receiving a signal from a sensor in the mobile electronic device indicating that the display is being presented to a transaction terminal; (3) the computer application requesting a machine readable code from a provider of machine-readable codes for the first payment device; (4) the computer application receiving the machine readable code for the first payment device; and (5) the computer application displaying the machine readable code on the display.