Wearable Payment via NFC Tag Intermediary
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Solution Overview
Problem
Users face difficulties in making quick-response code-based payments using wearable devices like smart watches, especially when the device lacks a camera and the merchant does not have a code scanning tool, limiting large payment capabilities and user convenience.
Innovation Solution
The implementation of a payment method that utilizes a short-range wireless communication tag, such as an NFC tag, to facilitate large payments on wearable devices. This method involves reading the tag to obtain a code value, triggering a server to generate a dynamic code for large payment processing, and receiving a payment result without the need for code scanning.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a smart watch without a camera is used for payment, then the convenience of wearable device operation is improved, but the ability to scan merchant payment codes is lost
Solution Approach 1:
The patent introduces a short-range wireless communication tag (NFC tag) as an intermediary between the smart watch and the merchant's payment code. The tag reads the merchant's payment code wirelessly and transmits it to the smart watch, enabling the watch to perform payment without having a camera. This mediator resolves the contradiction by providing a wireless communication alternative to optical scanning.
2Ease of operation
If a code scanning approach is used for payment, then the payment process is simplified, but the risk of information leakage and security vulnerabilities increases
Solution Approach 1:
The patent replaces the optical scanning mechanism with a short-range wireless communication (NFC) mechanism. Instead of using a camera to capture and process payment codes visually, the system uses magnetic field-based wireless communication to transfer payment information. This substitution reduces the risk of information leakage by eliminating the need for code display and manual scanning operations.
3Ease of operation
If wearable devices are used for large payment, then the convenience of payment is improved, but the device complexity and security requirements increase
Solution Approach 1:
The patent enables smart watches to perform both small payments (using traditional quick-response code scanning) and large payments (using short-range wireless communication with dynamic codes). By integrating multiple payment methods into a single device, the system achieves universality that allows the smart watch to handle various payment scenarios without requiring separate devices for different payment types.
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 enables convenient large payments using wearable devices without the need for code scanning, reduces user operation requirements, ensures risk control for large payments, and minimizes leakage of critical payment information.
Implementation Method 1
reading, by a mobile device in which the client is located, a short-range wireless communication tag of a payee to obtain a corresponding code value
Data Source
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AI summary
Embodiments of this specification disclose payment methods, apparatuses, and devices. The solution includes: receiving a wake-up instruction, where a manner of initiating the wake-up instruction includes: reading, by a mobile device in which the client is located, a short-range wireless communication tag of a payee to obtain a corresponding code value, sending the wake-up instruction to the client, and providing the code value; obtaining related information of the payee based on the code value in response to the wake-up instruction; in a case in which current payment belongs to large payment, triggering, based on the related information, a server of the payment application to obtain a dynamic code of the payee and performing corresponding large payment processing based on the dynamic code of the payee; and receiving a payment result returned by the server.