Payment Terminal Application Selection via Benefit Data
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Solution Overview
Problem
The EMV payment method is limited and impractical for allowing commercial offers based on available banking applications in a user's payment device, restricting transaction possibilities and user experience.
Innovation Solution
Associating benefits or incentives with payment applications to encourage user choice, allowing communication of information about both activated and disabled applications, and enabling manual or automatic selection based on these benefits, while maintaining compatibility with existing EMV infrastructure.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If the EMV payment method is used to carry out transactions, then payment security and standard compliance are maintained, but transaction flexibility and user choice among payment applications are limited
Solution Approach 1:
The patent segments the payment application selection process into two parts: first, the terminal sends a SELECT request to identify available payment applications; second, the device responds with STATUS information that includes benefit data for each application. This segmentation allows the EMV standard framework to remain intact while enabling flexible application selection based on commercial offers.
Solution Approach 2:
The patent implements preliminary action by having the device pre-configure its response to include benefit information (such as discounts, rewards, or promotional offers) associated with each payment application before the actual transaction occurs. This allows the terminal to present multiple payment options with their respective benefits to the user in advance, enabling informed selection while maintaining EMV compliance.
2Ease of operation
If only activated payment applications are communicated to the terminal, then data transmission simplicity is maintained, but user choice and merchant influence on payment selection are restricted
Solution Approach 1:
The patent merges multiple pieces of information into the existing EMV STATUS response structure. Alongside the traditional activated application identification, the response now includes benefit information (discounts, rewards, promotions) for multiple payment applications. This merging allows comprehensive data transmission without creating a separate communication protocol, thus maintaining simplicity while enhancing flexibility.
Solution Approach 2:
The patent adds another dimension to the payment selection process by incorporating benefit information as an additional layer of data in the STATUS response. Instead of merely listing activated applications, the system now provides dimensional enrichment with commercial offer data, allowing users and terminals to evaluate applications based on both activation status and associated benefits.
3Adaptability or versatility
If the device communicates comprehensive information about all payment applications including disabled ones, then user choice is expanded, but data transmission complexity and processing load increase
Solution Approach 1:
The patent applies local quality by selectively providing different levels of information for different payment applications within the same response. For activated applications, full benefit information is provided; for disabled applications, limited or no benefit information is included. This local differentiation allows comprehensive user choice while managing data complexity through targeted information provision rather than uniform detailed communication for all applications.
Data Source
AI summary
The invention relates to a method for carrying out a payment transaction on a bank terminal using an electronic payment device, where the device contains at least two payment applications. The method includes a step of data communication from the device to the terminal during a transaction, which data contains at least information of a first type identifying each payment application of the device; and a step of configuring the device so that the data provides information of a first type relative to at least one disabled payment application. The invention likewise relates to the corresponding system.