Bifurcated Remittance Processing for Real-Time Tip Separation
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Solution Overview
Problem
Existing systems fail to separate service fees and tips promptly, with service providers not having immediate access to tip amounts, which are based on service quality, leading to inefficiencies in payment processing.
Innovation Solution
A method and system that includes a plug-in computer to identify and separate service amounts from additional tips in real-time, assigning distinct interaction identifiers for each, enabling immediate transfer of tip amounts from the customer's account to the service provider's account.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the entity holds the total amount (service fee + tip) in care and makes scheduled payouts, then the entity can manage payments centrally, but the service provider does not have immediate access to the tip amount
Solution Approach 1:
The patent segments the payment processing into two distinct paths: service fee processing (handled by the aggregator platform) and tip processing (handled by the plug-in computer). This segmentation allows tips to be separated and transferred immediately to service providers while service fees follow the traditional scheduled payout process, thus resolving the contradiction between centralized management reliability and tip access speed.
Solution Approach 2:
The plug-in computer acts as an intermediary component between the aggregator platform and the payment system. It intercepts remittance messages, identifies tip amounts, and facilitates immediate tip transfers independently of the main service fee processing workflow. This intermediary enables faster tip delivery without disrupting the established reliable payment management system.
2Device complexity
If the system processes service fees and tips together in scheduled payouts, then the payment process is simplified, but the service provider cannot receive immediate compensation for service quality
Solution Approach 1:
The payment processing system is divided into two independent streams: service fee processing maintained by the aggregator platform and tip processing handled by the plug-in computer. This segmentation enables immediate tip compensation to service providers without increasing overall system complexity, as the plug-in computer operates as a dedicated module for tip identification and transfer.
Solution Approach 2:
The plug-in computer performs preliminary identification and separation of tip amounts from remittance messages before the scheduled payout occurs. By identifying and processing tips in advance of the main payout schedule, the system enables immediate service provider compensation without disrupting the simplified scheduled processing of service fees.
3Device complexity
If the entity does not separate service fee and tip amount, then the payment structure is simpler, but the tip portion cannot be transferred in real time based on service quality
Solution Approach 1:
The system segments the remittance message processing to identify and separate tip amounts from service fees. The plug-in computer specifically extracts tip portions and routes them through an accelerated transfer path, enabling real-time tip delivery while maintaining the simpler overall payment structure managed by the aggregator platform for service fees.
Solution Approach 2:
The plug-in computer extracts tip amounts from the combined remittance message and processes them separately from service fees. This extraction enables immediate identification and transfer of tips to service providers based on service quality, while the service fees remain in the simpler aggregated payment structure managed by the entity.
Data Source
AI summary
A method includes receiving, by aggregator platform computer from a user device of first user, remittance message including at least a service amount for service rendered by second user to the first user; identifying, by the aggregator platform computer, that the remittance message includes an additional amount that accompanies the service amount; upon identifying that the remittance message includes the additional amount, forwarding, by the aggregator platform computer to a plug-in computer, the remittance message including the service amount and the additional amount; identifying, by the plug-in computer in the remittance message, the service amount and the additional amount; and separating, by the plug-in computer, the service amount from the additional amount. The plug-in computer facilitates transfer of the additional amount from an account of the first user to an account of the second user and sends, to the aggregator platform computer, a service remittance message including the service amount.