Payment Token Handoff via Push Notification for Private Transaction Completion
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Solution Overview
Problem
Current electronic point-of-sale systems in retail establishments often create bottlenecks during payment processing, requiring guests to handle devices that may be unclean and inconvenient, and lack private options for tipping and feedback.
Innovation Solution
A method and system that allows guests to complete transactions by registering a payment instrument, storing a payment token, and using a push notification to transfer transaction data between a point-of-sale terminal and their personal smart device, enabling private tipping and feedback without handling the terminal.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Extent of automation
If staff present electronic POS terminal to guests for payment, then payment processing is automated and accurate, but staff must hover and wait which creates awkward service atmosphere
Solution Approach 1:
The patent extracts the payment completion interface from the staff-controlled POS terminal and delivers it to the guest's personal device. The transaction data is transmitted to the guest device where they can complete payment privately without staff hovering, thus maintaining automation while improving service atmosphere.
Solution Approach 2:
The system enables guests to self-complete transactions on their own devices. Guests receive transaction notifications, review details, and complete payment independently without requiring staff to wait or hover, thus achieving both automation and comfortable service atmosphere.
2Ease of operation
If guests handle electronic POS terminal for payment, then transaction can be completed, but device cleanliness becomes an issue after multiple uses
Solution Approach 1:
The payment completion interface is extracted from the shared POS terminal and delivered to the guest's personal device. This eliminates the need for guests to handle the terminal after payment, thus maintaining ease of operation while eliminating cleanliness concerns.
Solution Approach 2:
The guest's personal device acts as an intermediary between the POS terminal and the payment processing system. Transaction data is transmitted through this intermediary, allowing payment completion without direct contact with the terminal, thus solving both accessibility and cleanliness issues.
3Ease of operation
If guests use personal smart devices for transaction completion, then privacy for tipping and feedback is improved, but requires transferring data between devices
Solution Approach 1:
The patent replaces manual data transfer mechanisms with automated electronic transmission. Transaction data is automatically transmitted from the POS terminal to the guest device through network communication, eliminating complex manual processes and enabling private tipping and feedback entry.
Data Source
AI summary
A method for handoff of a transaction for completion includes: registering a payment instrument with a server and storing a payment token that represents the payment instrument; storing a device identifier that corresponds to the payment token in the database record; via a point-of-sale terminal, reading the payment instrument, and transmitting it to the server; via the server, using the payment token to access the device identifier and transmitting a push notification to a device corresponding to the device identifier; upon acceptance of the push notification, executing an application on the device and simultaneously displaying details for the transaction on both the device and the point-of-sale terminal; receiving transaction completion data that is entered via the device and transmitting the transaction completion data to the server; and completing the transaction at the server and notifying the point-of-sale terminal and the device that the transaction is complete.