Virtual Account Synchronization via Near Field Communication
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Solution Overview
Problem
Conventional earmarking payment methods, such as using integrated circuit cards, are inconvenient as they require specific devices for operations, limiting user flexibility and convenience, especially when mobile devices are not available or out of power.
Innovation Solution
A method and device for account creation, refilling, and data synchronization using near field communications technology, allowing a second virtual account to be created and refilled on a terminal device to ensure data consistency with a primary account, enabling transactions and improving payment convenience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If earmarking payment is performed using integrated circuit cards, then payment security is improved, but operation convenience deteriorates due to requiring specific devices and locations
Solution Approach 1:
The patent creates a virtual account that copies the functionality of the physical IC card account. The virtual account stores the same account identifier and can be used for transactions without requiring the physical card, thus improving convenience while maintaining security through data consistency synchronization mechanisms
Solution Approach 2:
The patent introduces a terminal device as an intermediary between the user and the payment system. This intermediary can perform refilling operations and store account data, allowing users to conduct transactions without needing the physical IC card or being at specific locations, while still maintaining secure payment processing
2Manufacturing precision
If refilling operations are performed at specific devices, then data accuracy is improved, but adaptability deteriorates due to location constraints
Solution Approach 1:
The patent makes the refilling capability dynamic by enabling it to occur at multiple locations including mobile terminal devices. The system dynamically adapts to different refilling scenarios (physical device refilling and terminal device refilling) while maintaining data accuracy through synchronization mechanisms that ensure consistency across different platforms
3Ease of operation
If a virtual account is created on terminal device, then operation convenience is improved, but data consistency complexity increases
Solution Approach 1:
The patent implements feedback mechanisms through data synchronization processes that continuously monitor and update the virtual account data to match the physical account data. This feedback loop ensures data consistency while managing the complexity through automated synchronization protocols that handle data validation and conflict resolution
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 solution enhances payment convenience by allowing transactions with either the primary or secondary account, ensuring data consistency and reducing the need for specific devices or locations for refilling, thus improving the user experience.
Implementation Method 1
establishing, by a first terminal device, a data channel to a specified carrier including an account identifier of a first account by using a near field communications technology
Data Source
AI summary
Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for data synchronization. One of the methods includes that a first terminal device establishes a data channel to a specified carrier through near field communication. The first terminal device obtains an account identifier of a first account and first streaming data corresponding to the first account through the data channel, where the account identifier of the first account and the first streaming data are stored in the specified carrier. The first terminal device determines second streaming data corresponding to a second account associated with the first account, and performs data synchronization between the first account and the second account based on the first streaming data and the second streaming data.