Wireless POS Account Selection Module
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Solution Overview
Problem
Conventional wireless point-of-sale payment systems at brick-and-mortar retailers are limited by passive smart cards that do not enable active management of multiple accounts, lacking the ability to select default payment accounts based on predetermined criteria and efficiently update balance information during transactions.
Innovation Solution
A system comprising an account module, display, input interface, and wireless transmitter that stores and manages multiple payment accounts, allows users to select a default account based on criteria such as retailer, location, or transaction type, and updates balance information after each transaction, enabling efficient wireless point-of-sale transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If conventional passive smart cards are used for wireless payments, then wireless payment capability is enabled, but the ability to actively manage multiple accounts and select default payment accounts is lost
Solution Approach 1:
The system segments the payment management functionality by separating the passive card from the active management system. The card contains only payment account information, while the mobile device handles account selection, default account management, and transaction control. This segmentation allows multiple accounts to be managed without increasing card complexity.
Solution Approach 2:
The mobile device acts as an intermediary between the user and the payment card system. It manages multiple payment accounts, selects default accounts based on predetermined criteria, and controls the transmission of payment information to the point-of-sale device. This intermediary enables active account management while keeping the card itself simple and passive.
2Ease of operation
If manual account selection is required for each transaction, then user control over payment account selection is maximized, but transaction processing time increases
Solution Approach 1:
The system performs preliminary actions by pre-selecting a default payment account based on predetermined criteria stored in the mobile device. This default account is automatically selected for transactions, eliminating the need for manual account selection during the transaction process. Users can modify the default account if needed, but the preliminary selection significantly speeds up transaction processing.
Solution Approach 2:
The system enables self-service by automatically managing account selection based on predetermined criteria. The mobile device autonomously determines which payment account to use for a transaction without requiring active user intervention during the payment process. This self-service mechanism reduces transaction time while maintaining user control over the default account selection.
3Reliability
If balance information is not updated during transactions, then transaction processing is simpler, but account information becomes outdated and inaccurate
Solution Approach 1:
The system implements feedback by updating the balance information stored in the mobile device after each transaction. When a payment is processed, the system receives transaction information from the point-of-sale device, processes the payment, and then updates the balance information in the mobile device's database. This feedback loop ensures that balance information remains accurate and up-to-date without significantly complicating the transaction process.
Data Source
AI summary
A system that enables a wireless point-of-sale transaction. In one embodiment the system comprises an account module, an account selection module, a display, an input interface, and a wireless transmitter. The account module stores account information corresponding to a plurality of payment accounts. The account selection module selects a payment account from the plurality of payment accounts as a default payment account for a wireless point-of-sale transaction based on one or more predetermined criteria. The display displays the default payment account to a user. The input interface enables the user to accept the default payment account by the account selection module. The wireless transmitter that wirelessly transmits payment information to a point-of-sale device, wherein the payment information comprises account information associated with the default account when the default payment account is accepted via the input interface.