Customized Payment Transaction Flow for Mobile Devices
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Solution Overview
Problem
Existing payment systems are cumbersome for both payers and payees due to extensive learning curves and failure to cater to varying business needs, leading to friction in transactions and reduced customer willingness to engage in transactions.
Innovation Solution
A technology that customizes payment transaction flows based on payee characteristics, using a mobile payment application that communicates with a remote payment service system to guide users through tailored processes, such as tipping and feedback for restaurants, donations for non-profits, and confirmation notes for personal friends, simplifying the payment process by identifying potential payees through Bluetooth, geofencing, and transaction history.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a unified payment system is implemented across different vendors, then ease of operation is improved, but device complexity increases
Solution Approach 1:
The payment application is designed to handle multiple transaction types (tipping, donations, bill splitting, feedback collection) through a single unified interface. The system automatically detects payee characteristics and adapts the transaction flow accordingly, eliminating the need for separate payment systems for different vendors while maintaining operational simplicity for users.
2Adaptability or versatility
If customized transaction flows are implemented for different payees, then adaptability is improved, but device complexity increases
Solution Approach 1:
The transaction flow is dynamically adjusted based on real-time detection of payee characteristics. The system automatically modifies the payment process to include relevant steps (such as tipping for restaurants, donation options for non-profits, or feedback forms for services) while keeping the underlying complexity hidden from users. This dynamic adaptation provides high versatility without requiring users to navigate complex manual configurations.
3Adaptability or versatility
If multiple transaction steps are added for customization, then adaptability is improved, but loss of time increases
Solution Approach 1:
The system performs preliminary detection and analysis of payee characteristics automatically during the payment initiation phase. By pre-identifying the appropriate transaction flow based on payee type before the user completes the payment, the system prepares all necessary customization options in advance. This eliminates the need for users to manually configure transaction parameters during the payment process, thus maintaining adaptability while minimizing time loss.
4Ease of operation
If automated payee detection is implemented, then ease of operation is improved, but use of energy increases
Solution Approach 1:
The system utilizes passive detection methods such as geofencing and Bluetooth Low Energy (BLE) scanning, which consume minimal energy compared to active communication protocols. The mobile device leverages its existing location services and wireless capabilities to automatically identify nearby payees without requiring additional power-intensive operations. This self-service approach enables automated payee detection while maintaining energy efficiency by reusing existing device resources.
Data Source
AI summary
Disclosed is a technology for customizing the flow of a payment transaction at a payer's mobile device, based on parameters associated with a payee to which the payer is making the payment. The payee can be an individual person or a specific business entity (e.g., restaurant, political cause, professional service, etc.). The transaction flow technology involves communication between a mobile application installed on the mobile device and a remote payment service system (PSS). A list of potential payees can be displayed for selection by the payer at the mobile application. The payees can be nearby payees identified by using, e.g., BLE, Bluetooth®, Wi-Fi®, geofence, etc. Upon selection of a particular payee by the payer, the PSS identifies one or more parameters of that payee, e.g., payee type, and generates a transaction flow to guide the payer through a payment transaction with the selected payee based on those parameters.