Spatial Computing POS Interaction for Secure Multi-Event Payments
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Solution Overview
Problem
Existing point-of-sale devices are vulnerable to unauthorized data capture, as compromised systems can intercept user and payment information during transactions, posing a security risk.
Innovation Solution
A spatial computing device interacts with a point-of-sale system through near-field communication, rendering transaction details and capturing user inputs to generate digital payment cards, which are then processed by the point-of-sale system, eliminating direct contact and reducing unauthorized data capture.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If direct interaction between payment card and point-of-sale device is used, then transaction processing is simple and direct, but security is compromised as skimmers can capture user and payment data
Solution Approach 1:
A spatial computing device serves as an intermediary between the payment card and the point-of-sale device. The spatial computing device captures payment card data, renders transaction details, receives user approval, and facilitates communication with the point-of-sale device, thereby eliminating direct contact between the payment card and the potentially compromised point-of-sale hardware.
Solution Approach 2:
The spatial computing device creates a digital representation or copy of the payment card interaction. Instead of physically swiping or tapping the card on the point-of-sale device, the system uses a digital twin approach where the spatial computing device simulates the payment interaction and communicates transaction details digitally to the point-of-sale system.
2Reliability
If spatial computing device is used to mimic point-of-sale device interaction, then unauthorized data capture is prevented, but device complexity and computational requirements increase
Solution Approach 1:
The spatial computing device performs multiple functions: it acts as a payment interface, renders transaction details visually, captures user approval input, communicates with the point-of-sale device, and processes payment card data. This multi-functionality consolidates what would otherwise require separate devices, managing complexity through integration rather than proliferation of components.
3Ease of operation
If contactless interaction with multiple payment card devices is supported, then transaction flexibility and user convenience improve, but system complexity and processing requirements increase
Solution Approach 1:
The system segments the payment processing into distinct operations: capturing payment card data, generating digital payment representations, processing each payment card separately, and aggregating results. This segmentation allows the system to handle multiple payment cards through a series of standardized, manageable operations rather than a single complex processing step.
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
This approach enhances transaction security by preventing unauthorized access to user and payment data, ensuring secure and efficient processing through a spatial computing device.
Implementation Method 1
A spatial computing device interacts with a point-of-sale system through near-field communication
Data Source
AI summary
Arrangements for securely processing events via a point-of-sale system are provided. A computing platform may receive, from a spatial computing device within a predefined proximity of a point-of-sale device, an indication of detection of the point-of-sale device and a communication session between the spatial computing device and point-of-sale device may be initiated. Transaction details may be rendered on a display of the spatial computing device. A user may tap a plurality of payment cards to the spatial computing device and identify portions of the transaction to process with each payment card. In response, a digital payment device corresponding to each payment card may be generated. The generated digital payment devices may be transmitted to the point-of-sale system which may cause the point-of-sale system to process each portion of the transaction with a payment processing entity associated with a corresponding payment card and using the corresponding digital payment device.