Terminal Signing Offload to User Devices for Contactless Transactions
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Solution Overview
Problem
Transaction terminals, such as POS devices, face challenges in disease transmission due to customer interaction and excessive resource consumption, necessitating frequent cleaning and downtime.
Innovation Solution
Offload transaction operations to user devices by identifying the associated user device and presenting a user-side interface for operations like signature entry or payment selection, reducing direct interaction with the terminal.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If customers interact directly with the terminal device for signing operations, then the terminal device can complete transactions, but disease transmission risk increases and cleaning frequency must increase
Solution Approach 1:
The patent introduces a user device (such as a smartphone) as an intermediary between the customer and the terminal device. The user device presents the user interface for signing operations, while the terminal device remains untouched by the customer. This intermediary approach allows transaction completion while eliminating direct contact with the terminal, thus preventing disease transmission.
Solution Approach 2:
The patent creates a copy of the terminal's user interface on the user device. Instead of requiring customers to interact with the terminal's display and input mechanisms, the same signing operation interface is replicated on the customer's personal device, allowing them to complete transactions without touching the terminal.
2Device complexity
If the terminal device handles all signing operations locally, then transaction processing is simple, but computing resources and battery consumption increase excessively
Solution Approach 1:
The patent extracts the resource-intensive user interface presentation and interaction handling from the terminal device and relocates it to the user device. The terminal device retains only the essential functions of initiating transactions and receiving results, while the computationally demanding tasks of displaying the signing interface and capturing user input are performed on the user's personal device with its own power supply.
3Productivity
If the terminal device presents the user interface for signing operations, then the transaction flow is straightforward, but direct customer interaction requires frequent cleaning and causes downtime
Solution Approach 1:
By introducing the user device as an intermediary that handles all customer interactions, the terminal device is freed from the need for frequent cleaning. The user device serves as the primary interface for customers, while the terminal device maintains transaction processing capabilities without requiring physical contact, thus eliminating cleaning downtime and maintaining high transaction efficiency.
Data Source
AI summary
In some implementations, a terminal device may obtain exchange information associated with an exchange initiated at the terminal device. The exchange information may identify a medium used in the exchange. The terminal device may be configured to present a terminal-side user interface for performing a signing operation of the exchange. The terminal device may selectively obtain user information associated with the medium used in the exchange. The user information may identify a user device associated with the medium. The terminal device may transmit, to the user device and based on obtaining the user information, presentation information that identifies content for a user-side user interface for performing the signing operation at the user device. The terminal device may receive, from the user device, signing information associated with a performance of the signing operation at the user device via the user-side user interface.