Unified Card Binding Method for Digital Wallet Terminals
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Solution Overview
Problem
The existing card binding process for NFC payments is inefficient, requiring users to download and configure multiple card applications and input information for each bank card, leading to a cumbersome and time-consuming process, especially when switching terminals.
Innovation Solution
A method where a terminal displays associated bank cards, allows users to select and verify a primary bank card, and sends verification information to a server to deliver card applications and personalization data for all to-be-bound cards, simplifying the binding process by requiring only the verification information of one bank card for multiple bindings.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If traditional card binding method is used where users download and configure multiple card applications separately, then each bank card can be bound individually, but the binding process becomes cumbersome and time-consuming
Solution Approach 1:
The patent merges multiple separate card binding operations into a single unified binding process. By combining multiple bank cards into one binding operation where users only need to input verification information once, the system achieves batch binding of multiple cards simultaneously, dramatically improving binding efficiency and reducing operational complexity
Solution Approach 2:
The system performs preliminary actions by pre-fetching and caching card application packages and personalization data from the server before the actual binding operation. This allows the binding process to execute quickly without real-time network requests for each card, reducing binding time and improving user experience
2Speed
If card applications and personalization data are stored locally in the terminal, then fast access is achieved, but re-binding is required when terminal is changed
Solution Approach 1:
The patent implements universality by enabling card binding data to be synchronized across multiple terminals through the server. The binding information is stored both locally for fast access and remotely on the server for portability, allowing users to switch between terminals without re-binding cards, thus achieving both fast access and terminal independence
Solution Approach 2:
The server acts as an intermediary that mediates between multiple terminals and the user's card binding data. When a terminal is changed, the new terminal communicates with the server to retrieve previously bound card information, enabling seamless transition between devices while maintaining local caching for performance
3Reliability
If verification information is required for each bank card separately, then security is maintained, but the binding process becomes more time-consuming
Solution Approach 1:
The patent combines multiple verification operations into a single verification process. By merging the verification steps for multiple bank cards into one unified verification flow where users provide verification information once, the system maintains security requirements while dramatically reducing the total time spent on verification across multiple cards
Data Source
AI summary
A card binding method is applied to a terminal. The card binding method includes displaying a first screen, where the first screen displays bank cards associated with an account number with which a digital wallet APP is currently logged in to; determining a to-be-verified bank card and at least one to-be-bound bank card from the bank cards; displaying a second screen, where the second screen is used to prompt a user to enter verification information of the to-be-verified bank card; and sending the verification information to a server to request the server to deliver a card application and personalization data corresponding to each to-be-bound bank card to the terminal after verification performed on the verification information succeeds, to complete binding of the at least one to-be-bound bank card.