Remote Proximity Payment Card Personalization System
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Solution Overview
Problem
Existing payment systems lack the ability to efficiently and securely personalize and dispense proximity payment devices, such as contactless payment cards, at remote and unattended locations like kiosks, which limits their accessibility for prepaid applications.
Innovation Solution
A remote instant issuance system that allows for the remote and instant personalization and loading of proximity payment devices using a kiosk system, which includes a keypad, display, payment acceptor, card dispenser, and security module to securely communicate with payment networks and issuers, enabling the creation and dispensing of personalized payment cards from pre-personalized card stock.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If proximity payment devices are issued at unattended kiosks, then accessibility and convenience are improved, but security and control over device personalization are worsened
Solution Approach 1:
The patent introduces a remote server as an intermediary between the unattended kiosk and the payment network. The server handles secure communication, device personalization, and transaction authorization, allowing the kiosk to operate without direct human intervention while maintaining security through centralized control and encrypted communications.
Solution Approach 2:
The patent replaces manual card loading and personalization processes with automated electronic systems. The kiosk automatically dispenses pre-personalized cards and uses electronic communication to load payment data remotely, eliminating the need for manual handling and reducing security risks associated with physical access to card loading mechanisms.
2Productivity
If devices are pre-personalized and loaded remotely, then issuance speed and efficiency are improved, but complexity of the personalization and loading system is worsened
Solution Approach 1:
The patent implements pre-personalization of payment devices before they reach the kiosk. Devices are prepared with basic identification data and security parameters in advance, allowing the kiosk to simply load final personalized information and dispense the card immediately, thereby increasing issuance speed without requiring complex real-time personalization capabilities at the kiosk itself.
Solution Approach 2:
The patent divides the personalization process into separate stages: pre-personalization performed remotely before issuance, and final personalization loaded at the kiosk during the transaction. This segmentation allows each stage to be optimized independently, with the remote server handling complex personalization logic and the kiosk handling only the final loading and dispensing operations.
3Ease of operation
If unattended kiosks are used for device dispensing, then operational convenience is improved, but control over device personalization and security is worsened
Solution Approach 1:
The patent implements feedback mechanisms where the kiosk communicates transaction status, device loading success, and security verification results back to the remote server. This feedback loop allows the system to automatically correct errors, retry failed transactions, and maintain security protocols without requiring manual intervention, thereby preserving convenience while providing robust control.
Data Source
AI summary
A system is described for remotely issuing a payment device. The system includes a payment network, a chip card issuer and a remote dispensing device. The remote dispensing device is configured to receive a request from a consumer to purchase a proximity payment card, to transmit a transaction authorization request to the payment network and to receive a transaction authorization. The remote dispensing device then reads proximity payment card information from a pre-personalized proximity payment card, transmits it and a request for personalization data to the chip card issuer, receives the personalization data and transmits it to the pre-personalized proximity payment card to store thereon to create a personalized proximity payment card, and lastly dispenses the personalized proximity payment card to the consumer.