Dynamic Electronic Payment System for Flexible Transaction Timing
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Solution Overview
Problem
Existing electronic payment systems do not adequately enhance user convenience by allowing real-time or lump-sum payments for a series of services used at a visited location.
Innovation Solution
An electronic payment system that determines, based on user preferences, whether to execute real-time payments for individual requests or lump-sum payments for multiple requests, allowing users to choose their payment scheme.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If electronic payment is executed only at the time of leaving the restaurant, then the system is simple to operate, but user convenience is insufficient
Solution Approach 1:
The system dynamically switches between real-time payment mode and lump-sum payment mode based on user selection. The payment terminal can execute payments immediately for individual orders (real-time) or accumulate multiple orders for later collective payment (lump-sum), making the system adaptable to different user needs and scenarios.
Solution Approach 2:
The system changes the payment execution parameter from a fixed timing (only at departure) to a variable timing that can be selected by the user. Users can choose to pay immediately after each order or accumulate payments, thereby changing the temporal parameter of payment execution to enhance convenience.
2Adaptability or versatility
If real-time payment is executed for each payment request, then payment flexibility is improved, but transaction efficiency deteriorates
Solution Approach 1:
The system provides dynamic payment options where users can select between real-time payment (for immediate processing) and lump-sum payment (for batch processing). This dynamic selection allows users to balance between payment flexibility and transaction efficiency based on their specific needs.
Solution Approach 2:
The system allows users to preliminarily select their preferred payment mode (real-time or lump-sum) in advance. This preliminary selection enables the system to prepare accordingly, either by readying immediate payment processing or by accumulating orders for later batch processing, thereby optimizing transaction efficiency.
3Productivity
If lump-sum payment is executed for multiple payment requests, then transaction efficiency is improved, but payment flexibility deteriorates
Solution Approach 1:
The system dynamically adapts between batch processing (lump-sum) and individual processing (real-time) based on user preference. Users can switch between payment modes, allowing the system to optimize for efficiency when appropriate while maintaining flexibility when needed.
Solution Approach 2:
The system changes the payment aggregation parameter from always individual to variable, allowing users to select between individual real-time payment and aggregated lump-sum payment. This parameter change enables batch processing for efficiency while preserving individual payment control through user selection.
Data Source
AI summary
Provided is an electronic payment system which receives a payment request for electronic payment when a user visits a predetermined place to use a series of services, the electronic payment system including at least one processor configured to: determine, depending on the user, which one of real-time payment to be executed for each payment request or lump-sum payment to be collectively executed for a plurality of payment requests is to be executed; and execute one of the real-time payment or the lump-sum payment based on a result of the determination.