Vision Checkout Payment Code for Frictionless Mobile Payment
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Solution Overview
Problem
Vision-based checkout systems face friction in payment processing as shoppers are required to operate card readers and PIN pads, disrupting the otherwise seamless experience.
Innovation Solution
A mobile application generates a code that includes a prefix or postfix string of information identifying the payment method, displayed on the shopper's device, which is recognized by the transaction manager to process payments without manual interaction.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Extent of automation
If vision-based checkout system is used to capture item images and recognize products, then the shopping experience becomes more automated and efficient, but payment processing still requires manual customer operation of PIN pad or card reader which creates friction
Solution Approach 1:
The system enables self-service payment by automatically detecting the payment code displayed on the customer's mobile device through the vision-based checkout system. The payment is processed without requiring the customer to manually operate the PIN pad or card reader, as the system autonomously captures the code image, decodes it, and completes the transaction.
Solution Approach 2:
The patent replaces the mechanical interaction required at payment terminals (physical card insertion, PIN pad pressing) with an optical detection system. The vision-based checkout system uses cameras to capture images of the payment code on the mobile device, substituting mechanical payment operations with optical recognition and automated processing.
2Reliability
If traditional payment terminals with PIN pads and card readers are used, then secure payment processing is achieved, but customer interaction is required which disrupts the seamless checkout experience
Solution Approach 1:
The customer prepares the payment code in advance by displaying it on their mobile device before reaching the checkout. The vision-based system is already positioned and ready to capture the code image as the customer places their device on the tray, eliminating the need for additional payment terminal interaction and reducing checkout time while maintaining security through the encoded payment information.
3Ease of operation
If manual payment operation is required at checkout, then payment verification and security measures can be properly executed, but the frictionless nature of vision-based checkout is compromised
Solution Approach 1:
The patent extracts the payment information from the traditional payment terminal interaction and embeds it directly into the mobile device's display. The payment code containing all necessary verification and security information is presented on the customer's own device, eliminating the need for complex payment terminal operations while maintaining security through the encoded data that can be automatically read by the vision system.
Data Source
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Figure 1B
Figure 1C
AI summary
A payment code is generated for a transaction. The payment code includes a substring of information that identifies the code as a payment token for a frictionless payment of the transaction. The substring of information includes a payment token identifier that identifies the payment code as being representative of a payment request. The substring of information, when captured in an image taken of a transaction area for the transaction or when scanned, causes the terminal to enter a payment state during which payment details are obtained from the payment code and a payment service is contacted with the payment details based on the payment type. The terminal processes a frictionless payment for the transaction through the payment service to complete the transaction.