Wearable Payment via NFC Tag Simulation
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Solution Overview
Problem
Small merchants without code scanning machines face challenges in facilitating two-dimensional code-based payments using wearable devices without cameras, as they cannot scan collection codes displayed by merchants.
Innovation Solution
A payment method and apparatus that utilize a short-range wireless communication tag to enable a wearable device to read and simulate a code scanning process, allowing users to initiate payments to servers without the need for code scanning machines or cameras.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a wearable device without a camera is used for two-dimensional code-based payment, then payment convenience is improved, but the ability to scan collection codes is lost
Solution Approach 1:
The patent uses NFC technology to copy the collection code information from the merchant's terminal to the wearable device. Instead of scanning the visual two-dimensional code, the wearable device reads the same payment information through NFC communication, creating a functional copy of the code scanning process that adapts to devices without cameras.
2Ease of manufacture
If small merchants only display printed collection codes without code scanning machines, then implementation cost is reduced, but payment functionality for wearable devices is lost
Solution Approach 1:
The patent enables the collection code to serve multiple functions: it can be displayed visually for camera-based scanning, and simultaneously embedded in an NFC tag for contactless reading by wearable devices. This multi-functionality allows small merchants to support both traditional and wearable device payments with the same infrastructure.
3Adaptability or versatility
If a camera is added to wearable devices for code scanning, then code scanning capability is improved, but device complexity and cost increase
Solution Approach 1:
The patent introduces NFC technology as an intermediary that bridges the gap between wearable devices and collection codes. Instead of adding a camera to wearable devices, the NFC module acts as a mediator that reads the collection code information through wireless communication, achieving code scanning capability without increasing device complexity.
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 and security by reducing hardware requirements for both payers and payees, allowing payments to be made seamlessly using wearable devices, even without cameras or code scanning machines, while maintaining low implementation costs.
Implementation Method 1
a mobile device in which the client is located reads a short-range wireless communication tag of a payee, to obtain a corresponding code value
Data Source
AI summary
Embodiments of this specification disclose a payment method, apparatus, and device, applied to a client of a payment application. For both parties of a payer and a payee, a hardware requirement is reduced, convenience is also improved, and payment experience is better. A server can reuse existing processing logic, and implementation costs are low. A solution includes: receiving a wakeup instruction, where an initiation manner of the wakeup instruction includes: a mobile device in which the client is located reads a short-range wireless communication tag of a payee, to obtain a corresponding code value, sends the wakeup instruction to the client, and provides the code value; obtaining related information of the payee based on the code value in response to the wakeup instruction; simulating, based on the related information, a predetermined process of code scanning payment performed when the payee serves as a code scanning party; and initiating a payment request to a corresponding server instead of the payee by executing the simulated predetermined process, to obtain a payment result returned by the server.