Contactless Payment Device Nested Data Structure for Value-Added Services
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Solution Overview
Problem
Existing payment transaction systems using contactless devices in card emulation mode are limited in communicating additional transaction-related data, such as value-added services, to recipient devices, requiring additional applications and data formatting that is not efficiently supported by existing ISO standards.
Innovation Solution
The system and method facilitate the communication of transaction-related data, including payment data and value-added services data, using a card emulation mode initiated by the recipient device, employing ISO 14443 or ISO 18092 protocols, and utilizing a nested tag structure for data encoding, enabling the provision of services like electronic wallets, loyalty programs, and coupon redemption during or after transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If contactless payment devices use existing ISO standards (ISO 14443 and ISO 18092) in card emulation mode, then communication of basic payment data is achieved, but communication of additional transaction-related data and value-added services is limited
Solution Approach 1:
The patent embeds additional transaction-related data and value-added services information within the existing card emulation data structure. The contactless payment device transmits both basic payment data and additional services data through nested data elements, allowing the reader device to access both layers of information using standard card emulation protocols without requiring separate communication channels.
Solution Approach 2:
The patent enables the contactless payment device to serve multiple functions simultaneously - acting as both a traditional payment card and a vehicle for delivering value-added services. By encoding multiple types of data (payment information, transaction data, and services information) within a single card emulation communication, the system eliminates the need for separate applications or protocols for different service types.
2Adaptability or versatility
If additional applications are invoked to communicate value-added services data, then service functionality is expanded, but device complexity and operation overhead increase
Solution Approach 1:
The patent merges the functionality of multiple separate applications into a single card emulation mode operation. Instead of requiring distinct applications for payment processing and value-added services, the system combines all data transmission into one unified card emulation communication, reducing the number of application invocations and simplifying device operation.
Solution Approach 2:
The contactless payment device is designed to handle multiple service types through a single universal card emulation interface. The reader device can extract different types of information (payment data, transaction data, services data) from the same communication channel, eliminating the need for specialized applications for each service category.
3Adaptability or versatility
If additional applications are invoked for value-added services, then service data can be transmitted, but transaction processing time increases
Solution Approach 1:
The patent prepares and encodes all necessary data (payment information, transaction data, and value-added services information) within the contactless payment device before the transaction occurs. This preliminary preparation allows the reader device to retrieve all required information in a single card emulation communication, eliminating the need for subsequent application invocations and reducing overall transaction processing time.
Data Source
AI summary
Embodiments of the disclosure relate to systems and methods for communicating transaction-related data to a recipient device. In at least one embodiment, a computer-implemented method can be provided. The method can include directing storage of transaction-related information comprising payment data and value added services data. The method can further include communicating the transaction-related information to a recipient device during a card emulation communication initiated by the recipient device, wherein the recipient device utilizes the transaction-related information to complete a payment transaction and provide one or more value added services associated with the payment transaction.