Personalization Token for Reliable Proximity Payment Data Transfer
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Solution Overview
Problem
Existing proximity payment devices face challenges in providing consumer devices like cell phones and wristwatches with reliable payment account information due to the unreliability of cellular networks and limited communication capabilities in these devices.
Innovation Solution
A personalization token is issued, which includes a wireless communication interface and control/storage circuitry, allowing it to store and transmit payment account information to consumer devices, enabling them to operate as proximity payment devices, even in the absence of a stable cellular connection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If cellular network is used to transmit payment account information to consumer devices, then payment information can be provided to devices without physical contact, but the reliability of payment information transmission deteriorates due to cellular network unreliability
Solution Approach 1:
The patent introduces a personalization token as an intermediary device that bridges the gap between the payment network and consumer devices. The token receives payment information through wireless communication and stores it locally, then transmits the information to consumer devices via near-field communication (NFC). This intermediary approach eliminates direct dependence on cellular networks for the final transmission step, thereby improving reliability while maintaining convenience.
2Adaptability or versatility
If cellular network is used to provide payment account information, then no physical contact is needed for information provision, but the capability to communicate with cellular network deteriorates in many consumer devices
Solution Approach 1:
The personalization token serves as a universal intermediary that can interface with various consumer devices through NFC technology, which is more widely supported than cellular network capabilities in consumer devices. The token acts as a bridge that translates between different communication protocols, enabling payment information transfer to devices regardless of their cellular communication capabilities.
Solution Approach 2:
The personalization token is designed with multi-functional capability to work with multiple types of consumer devices through different communication methods. It can receive information wirelessly from the payment network and then transmit to various devices including smartphones, tablets, and other NFC-enabled devices, making the system universally compatible rather than dependent on a single communication standard.
3Ease of operation
If payment information is transmitted via cellular network, then remote provisioning is enabled, but the stability of payment operation deteriorates due to network instability
Solution Approach 1:
The system performs preliminary action by pre-loading payment account information into the personalization token through wireless communication before the actual payment transaction. This advance provisioning ensures that the payment information is already available and validated in the token, eliminating the need for real-time cellular network connectivity during the payment operation itself, thereby ensuring stable and reliable transactions.
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
Enables consumer devices to function as proximity payment devices by securely transmitting payment information, ensuring operational reliability and compatibility with existing standards like PayPass, regardless of cellular network availability.
Implementation Method 1
a wireless communication interface and control/storage circuitry to store information to personalize a proximity payment device
Data Source
AI summary
According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token.