Payment Interface Automation for Battery-Constrained Devices
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Solution Overview
Problem
Existing methods for making payment transactions using electronic devices are cumbersome and inefficient, requiring complex user interfaces and consuming excessive time and energy, particularly in battery-operated devices.
Innovation Solution
The development of faster and more efficient methods and interfaces for electronic devices, including touch-sensitive displays and short-range communication radios, that allow for streamlined payment account linking, authorization, and transaction processing, reducing cognitive burden and conserving power.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional payment interfaces are used, then payment functionality is provided, but user interface complexity and time consumption increase
Solution Approach 1:
The system performs payment account selection and transaction processing automatically without requiring user navigation through complex interfaces. The electronic device autonomously detects the payment terminal, selects the appropriate payment account, and completes the transaction based on pre-configured settings and contextual information.
Solution Approach 2:
Payment accounts are pre-configured and stored in the electronic device before the actual transaction. The system prepares transaction data and selects payment methods in advance, so that when a payment is needed, the process can be completed quickly without requiring users to manually enter information or navigate through multiple screens.
2Productivity
If manual payment processes are used, then payment transactions can be completed, but time and energy consumption increase
Solution Approach 1:
The patent replaces manual mechanical interactions (typing card numbers, selecting accounts, confirming transactions) with automated electronic processes. The system uses sensor detection, automatic data retrieval, and algorithmic account selection to substitute the mechanical user actions that previously dominated the payment process.
Solution Approach 2:
The payment system maintains continuous operation by keeping payment accounts, transaction history, and device information continuously available and updated. This eliminates interruptions and repeated data entry, allowing the payment process to flow continuously from detection to completion without pauses for user input.
3Reliability
If detailed verification processes are used, then payment security is improved, but operation time and user burden increase
Solution Approach 1:
The system continuously monitors transaction parameters, device state, and contextual information to dynamically adjust verification requirements. Feedback loops ensure that security checks are performed only when necessary based on risk assessment, rather than applying uniform strict verification to all transactions.
Solution Approach 2:
The verification process adapts its parameters based on the transaction context. For example, trusted devices and recurring payments may require minimal verification, while new devices or large transactions trigger enhanced security checks. This dynamic parameter adjustment maintains security while reducing unnecessary user burden.
Data Source
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AI summary
A method, comprising: at an electronic device with a display: displaying, on the display, a user interface that includes information identifying a first retailer; while displaying the user interface that includes the information identifying the first retailer, receiving a request to initiate a payment transaction with the first retailer; in response to receiving the request to initiate the payment transaction with the first retailer: in accordance with a determination that an application of the first retailer is available on the electronic device, invoking the application of the first retailer, wherein the application of the first retailer enables a user to initiate the payment transaction with the first retailer; and in accordance with a determination that the application of the first retailer is not available on the electronic device, providing the user with an option for proceeding with the payment transaction without invoking the application of the first retailer.