Virtual Card Payment Switching Interface
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Solution Overview
Problem
Current mobile payment technologies lack an efficient method for users to rapidly switch between different payment modes, such as NFC-based flash payments and third-party payments, which complicates the payment process and hinders user convenience and security.
Innovation Solution
A payment switching method and device that displays a virtual card interface allowing users to select between payment modes, with a processor configured to determine the target payment mode based on user input and switch between modes, enabling seamless transitions and secure transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually switch between different payment modes through traditional methods, then payment mode switching is possible, but the operating path is long and user convenience is reduced
Solution Approach 1:
The payment interface is segmented into virtual card components, each representing a different payment mode (NFC flash payment, third-party payment, etc.). Users can directly select from these segmented virtual cards without navigating through complex menus, thereby shortening the operating path and improving switching convenience.
Solution Approach 2:
Different payment modes are pre-configured and displayed as virtual cards before the payment process begins. The system prepares multiple payment options in advance, allowing users to quickly switch between them by simply selecting the desired virtual card, eliminating the need for lengthy configuration processes during actual payment.
2Adaptability or versatility
If multiple payment modes are available, then payment versatility is improved, but the complexity of the payment process increases
Solution Approach 1:
The patent uses virtual card copies to represent different payment modes. Each virtual card is a simplified graphical representation that mirrors the functionality of the underlying payment method. This copying approach allows multiple payment modes to be presented in a uniform, simple interface, maintaining versatility while reducing perceived complexity for users.
Solution Approach 2:
The virtual card interface serves as a universal container that can represent multiple different payment modes (NFC, third-party payments, bank cards). This multi-functional design allows a single interface element to handle various payment types, simplifying the overall payment process structure while maintaining adaptability to different payment scenarios.
3Ease of operation
If hardware components are accessible for payment operations, then payment functionality is enabled, but security risks increase from unauthorized access
Solution Approach 1:
The system introduces an intermediary authentication mechanism that mediates between the user and hardware components. Before allowing access to NFC or other payment hardware, the system verifies user identity and authorization status. This intermediary layer enables necessary hardware accessibility for payment operations while preventing unauthorized access, thus maintaining both ease of operation and security.
Data Source
AI summary
A payment switching method includes displaying a display interface of virtual cards after receiving an interface displaying instruction by a first terminal. The display interface of the virtual cards displays at least two payment modes, one of the at least two payment modes being a currently selected payment mode. The method also includes determining a target payment mode from the at least two payment modes according to a detected payment switching operation and switching from the currently selected payment mode to the target payment mode. The method further includes performing a payment based on the target payment mode.