Temporal Physical Payment Card for Legacy Terminals
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Solution Overview
Problem
Many payment terminals do not support near field communication (NFC) or QR code features, limiting the use of virtual payment cards for contactless payments.
Innovation Solution
A method and device for generating a temporal physical payment card with a predetermined valid period by transferring information from a virtual payment card stored in user equipment to a physical dummy payment card, allowing payments even at terminals that do not support NFC or QR code features, using a user interface to select and authenticate the virtual payment card and set a valid period for the transferred information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If virtual payment cards are used with NFC or QR code methods, then contactless payment convenience is improved, but compatibility with payment terminals is worsened because many terminals do not support these features
Solution Approach 1:
The patent creates a physical copy of the virtual payment card by transferring card information (account number, expiration date, security code) to a physical dummy payment card. This physical copy can be used at traditional payment terminals that do not support NFC or QR code, thereby improving terminal compatibility while maintaining the ability to make contactless payments using the original virtual card
Solution Approach 2:
The physical dummy payment card acts as an intermediary between the virtual payment card system and traditional payment terminals. It bridges the gap by providing a physical representation of the virtual card that can be read by legacy terminals, enabling payments across both modern and traditional terminal types
2Adaptability or versatility
If payment card information is transferred to a physical card, then terminal compatibility is improved, but security risk is worsened due to potential exposure of sensitive information
Solution Approach 1:
The system performs preliminary actions by automatically erasing the payment card information from the physical dummy card when the card is removed from the user equipment or after a predetermined period. This ensures that sensitive information is not left exposed on the physical card beyond what is necessary for the transaction
Solution Approach 2:
The patent implements dynamic information management where the payment card information on the physical dummy card is not static but changes over time - it is automatically updated, extended, or erased based on usage conditions, time elapsed, or user actions. This dynamic approach balances accessibility with security by limiting the window of exposure
3Reliability
If a physical payment card is generated with predetermined valid period, then security is improved through automatic information erasure, but device complexity is worsened due to additional management functions
Solution Approach 1:
The system implements self-service functionality where the physical dummy payment card automatically manages its own information lifecycle. The card information is automatically erased when the card is removed from user equipment or after a predetermined period without requiring manual intervention, thereby enhancing security while minimizing the complexity of user management
Data Source
AI summary
The disclosure is related to generating a temporal physical payment card with a predetermined valid period. One of virtual payment cards stored in user equipment is selected based on a selection input received from a user. Information on the selected virtual payment card is transferred to a physical dummy payment card with a predetermined valid period.