Second Tap E-Receipt NFC Payment System

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Solution Overview

Problem

Merchants incur increased operating costs due to the necessity of printing paper receipts for every payment transaction at point-of-sale (POS) terminals.

Innovation Solution

A computer-implemented method and system for managing electronic payment transactions at a merchant location, which initiates a checkout procedure, processes NFC-enabled payment vehicle interactions, generates customizable electronic receipts (e-receipts) with consumer incentive features, and transmits these e-receipts to the NFC-enabled payment vehicle for display.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If paper receipts are printed for every payment transaction, then consumers receive proof of purchase, but merchant operating costs increase

Engineering Contradiction:

Improveproof of purchaseVSAvoidmerchant operating costs

Core Design Contradiction:

ReliabilityVSLoss of energy

Solution Approach 1:

The patent replaces physical paper receipts with electronic receipt images that are captured by the consumer's mobile device camera during the transaction. This digital copy serves the same proof-of-purchase function while eliminating the need for continuous paper supply, printing operations, and physical distribution, thereby reducing merchant operating costs associated with paper receipt management

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent substitutes the mechanical printing system (paper receipts, printers, paper handling) with an electronic/digital system using mobile device cameras and digital image transmission. This replacement eliminates the physical mechanics of paper handling while maintaining the essential function of providing purchase proof to consumers

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Loss of energy

If paper receipts are eliminated, then merchant operating costs decrease, but consumers lose traditional receipt delivery method

Engineering Contradiction:

Improvemerchant operating costsVSAvoidreceipt delivery

Core Design Contradiction:

Loss of energyVSEase of operation

Solution Approach 1:

The patent enables consumers to self-capture their own receipts by using their mobile device's camera to photograph the receipt image displayed on the merchant's terminal or received via electronic transmission. This self-service approach transfers the receipt capture action from the merchant to the consumer, eliminating the need for merchant paper handling while ensuring the consumer receives their proof of purchase

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The patent introduces the consumer's mobile device as an intermediary that receives and stores the electronic receipt image. The mobile device acts as a bridge between the merchant's point-of-sale system and the consumer, enabling seamless receipt delivery without requiring physical paper exchange or complex merchant-side printing operations

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS20250037094A1Systems and methods for second tap e-receipt option for NFC-enabled payment vehicles

Publication Date: 2025.01.30 WORLDPAY LLC

AI summary

Systems and methods are disclosed for generating electronic receipts (e-receipts) at point-of-sale (POS) terminals associated with a merchant at a retail location. The systems and methods include a near field communication (NFC) reader and an NFC-enabled payment vehicle. A POS terminal processes a payment transaction after an initial interaction between the NFC reader and the NFC-enabled payment vehicle. An e-receipt is generated when a second interaction is detected between the NFC reader and the NFC-enabled payment vehicle.