Payment Terminal NFC Data Exchange via HTML Beacon

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Solution Overview

Problem

Existing unattended multimedia terminals for purchasing goods and services are complex to construct, proprietary, impersonal, and lack fluid interaction with users, particularly in post-purchase processes, posing security and confidentiality concerns due to public exposure of user information.

Innovation Solution

An autonomous electronic payment transaction processing device that transmits messages via HTML content to users' communication terminals, using an exchange beacon to facilitate personalized and secure data exchange, allowing for pre- or post-payment data transmission and improving user interaction through NFC interfaces.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If manual data entry is required on public touchscreen kiosks, then users can input information, but security and confidentiality are compromised due to public exposure

Engineering Contradiction:

Improveuser interaction capabilityVSAvoidsecurity and confidentiality risk

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent uses the user's own communication terminal (smartphone, tablet) as an intermediary device to perform data entry and display operations. The terminal acts as a mediator between the user and the public kiosk, allowing information input and viewing to occur privately on the user's device rather than on the public touchscreen, thereby eliminating security and confidentiality risks while maintaining full interaction capability

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical touchscreen interface with a wireless communication-based interaction system. Instead of requiring physical contact with a public touchscreen, the system uses wireless data transmission to the user's communication terminal, substituting the mechanical input method with a contactless electronic communication channel that preserves both ease of operation and security

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Adaptability or versatility

If proprietary multimedia kiosk components are integrated, then payment functionality is achieved, but device complexity increases

Engineering Contradiction:

Improvepayment processing capabilityVSAvoidkiosk construction complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent makes the communication terminal universal by enabling it to perform multiple functions: it serves as both the user's personal device and the payment interface, replacing dedicated kiosk components. The terminal can handle information display, data entry, and payment processing through integrated wireless communication, eliminating the need for separate proprietary multimedia and payment hardware

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent extracts the payment and interaction functionality from the complex kiosk system and relocates it to the user's communication terminal. By taking out these functions and implementing them on the user's device through wireless communication, the kiosk itself is simplified while retaining full payment processing capability and user interaction versatility

Inventive Principle:

Principle #2Taking out (Extraction)

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

Enhances user experience by simplifying data exchange, improving security, and streamlining interactions between merchants and customers, reducing the complexity of post-purchase processes while maintaining secure data transmission.

Implementation Method 1

transmit the messages to the communication terminal

Methodology Applied

Scientific EffectNear Field Communication (NFC): Electromagnetic Induction

Data Source

PatentEP3349160B1Method of transmitting data, corresponding device and program

Publication Date: 2023.05.31 BANKS & ACQUIRERS INT HLDG SAS

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AI summary

The invention relates to a data transmission method, implemented by an autonomous electronic payment transaction processing device, called a payment terminal (PT), said payment terminal (PT) comprising a processing processor (Prc) connected to at least one sales offer rendering means (Scr), and linked to at least one communication interface (CI) and to at least one contactless payment terminal (TPNfc).According to the invention, such a method comprises: - a transmission step (10), by a browser (Nav) installed within said payment terminal (BP), of a content retrieval request (RqOC) to a content server (SrvCnt); - a reception step (20), by said browser (Nav), from the content server (SrvCnt), of an html content (HCnt) comprising at least one exchange tag (HEElt); - a processing step (30) of said html content (HCnt), delivering a view (Aff) of said html content (HCnt) on said at least one rendering means (Scr); - a preparation step (40), by the contactless payment terminal (TPNfc), of at least one message transmission based on attribute data of said at least one exchange tag (HEElt).