Self-Scanning QR Code Capture for Mobile Payments

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Solution Overview

Problem

Existing methods for QR code-based payment transactions require external camera scanning or printed copies, making it inconvenient for users to process payments using QR codes displayed on their device without additional hardware.

Innovation Solution

A system and method that enables users to capture and read QR codes directly from their device's screen using a capture overlay frame, allowing for the extraction of payment-related information and processing of transactions within the same device.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If external camera scanning is used to read QR codes, then QR code reading functionality is achieved, but user convenience deteriorates due to requiring additional hardware and operations

Engineering Contradiction:
Improveconvenience of payment transactionVSAvoidrequirement for external camera and printing operations
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The system enables the user device to read its own displayed QR code using its display screen and processor, eliminating the need for external cameras or printing operations. The device serves itself by capturing the QR code from its own display through the display screen interface and processing it internally.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The invention extracts the QR code reading functionality from the traditional external camera-based approach and integrates it directly into the device's display and processing system. The QR code is captured from the display screen and processed by the device's processor without requiring external hardware.

Inventive Principle:
Principle #2Taking out (Extraction)

2Adaptability or versatility

If QR code is displayed on user device screen, then accessibility is improved, but ability to capture and use the QR code deteriorates without external devices

Engineering Contradiction:
ImproveQR code accessibility from device screenVSAvoidcapability to capture and use QR code
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The display screen serves multiple functions: it displays the QR code for accessibility and simultaneously captures the QR code for processing. The processor also performs multiple roles including generating the QR code, capturing it from the display, and processing it for payment transactions.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The invention merges the QR code display function and QR code capture function into a single device system. The display screen and processor work together to both show and read the QR code, eliminating the need for separate external devices for capture.

Inventive Principle:
Principle #5Merging (Combining)

3Productivity

If traditional payment methods are used, then payment processing is achieved, but user experience deteriorates due to tedious operations like printing and external scanning

Engineering Contradiction:
Improvepayment transaction processingVSAvoiduser experience in payment process
Core Design Contradiction:
ProductivityVSEase of operation

Solution Approach 1:

The QR code is pre-displayed on the device screen before the capture process begins. The system is pre-configured with the payment information and QR code generation capability, so when the user initiates a payment, the QR code is already ready and can be immediately captured and processed without preliminary printing or external device setup.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS11386417B2Payment methods and systems by scanning QR codes already present in a user device
Publication Date: 2022.07.12 MASTERCARD INT INC
  • US11386417B2 patent drawing
  • US11386417B2 patent drawing
  • US11386417B2 patent drawing

AI summary

Embodiments provide methods and systems for reading a Quick Response (QR) code displayed in a user device of a user for facilitating a payment transaction. The method includes facilitating display of the QR code on a display screen of the user device. The QR code includes at least a payment related information for a payment transaction. The method also includes initializing a QR capture mode in the user device for capturing the QR code using a capture overlay frame. The method includes reading the QR code within the capture overlay frame to extract the payment related information. The method further includes facilitating the payment transaction based at least on the payment related information extracted by reading the QR code.