Account-Specific User Identification String Generation for Multi-Function Payment Devices
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Solution Overview
Problem
Traditional point of sale systems are not designed to handle multi-function payment devices efficiently, leading to challenges in processing payments and activating multiple accounts associated with a single payment device.
Innovation Solution
The generation of account-specific user identification strings (UIS) for each linked account on a multi-function user operation vehicle, allowing users to select the appropriate account for transactions through a unique UIS, which is generated by modifying a base UIS for each account linked to the vehicle.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If traditional PoS systems are used with multi-function payment devices, then the existing infrastructure can be maintained, but the system cannot efficiently handle multiple accounts associated with a single payment device
Solution Approach 1:
The patent segments the single UIS into multiple account-specific UISs, each corresponding to a different payment account or function. This segmentation allows the PoS system to distinguish between different payment functions associated with a single multi-function payment device, enabling efficient handling of multiple accounts while maintaining ease of operation through standardized UIS entry procedures.
2Reliability
If multiple UIS are required for each account on a multi-function device, then account specificity is improved, but user operation complexity increases
Solution Approach 1:
The patent merges the identification of multiple accounts into a single unified process. By generating multiple account-specific UISs from a single base UIS through systematic modification (appending account identifiers), the system allows users to select and use the appropriate account via a single UIS entry, rather than requiring separate identification procedures for each account. This combining approach maintains high account identification accuracy while simplifying user operation.
3Productivity
If traditional function selection mechanisms are used, then system simplicity is maintained, but transaction processing efficiency decreases
Solution Approach 1:
The patent implements preliminary action by pre-generating multiple account-specific UISs during the card activation process, before the actual transaction occurs. The UIS generation system creates and stores these modified UISs in advance, associating each with specific payment accounts. During transaction processing, the user simply selects from pre-generated options or enters a single UIS, eliminating the need for complex real-time function selection and significantly improving transaction processing speed.
Data Source
AI summary
Systems and methods for the generation of user identification strings (UIS) used with multi-function operation vehicles are provided. In some embodiments, a system for activating a user operation vehicle can include an activation portal, a verifier and a UIS generator. The activation portal can request a base UIS and a vehicle code identifying a user operation vehicle be supplied by a user. Then, using an encryptor and a communications module, the activation portal can generate an encrypted base UIS and communicate the encrypted base UIS and the vehicle code to the verifier. The verifier can then authenticate the user and identify functions that are linked to the user operation vehicle. The UIS generator can include a decryptor and a UIS generation module to generate a unique account-specific UIS from the encrypted base UIS for each account linked to the user operation vehicle by modifying the base UIS.