Dynamic Payment Interface Selection via Server-Client Handshake
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Solution Overview
Problem
Existing online payment methods are cumbersome and error-prone due to the need for manual input of payment information, reducing efficiency and complexity.
Innovation Solution
A computer-implemented method where a client terminal sends an interface listing command to a transaction server to identify acceptable input interfaces for payment account information, generating a payment information interface for user selection, allowing for various input methods such as text, scanning, or biometric inputs based on hardware and software capabilities.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual input of payment information is used, then payment can be completed, but the operation becomes complex and error-prone
Solution Approach 1:
The patent replaces manual mechanical input (typing payment information) with optical recognition technology (camera-based scanning of payment cards). The system captures images of the payment card and automatically extracts card information, substituting the manual typing process with automated image processing and information extraction algorithms.
Solution Approach 2:
The system enables self-service by automatically extracting payment card information from captured images without requiring manual intervention. The terminal device autonomously performs information extraction, validation, and formatting, allowing the payment process to proceed with minimal user input beyond initiating the scan.
2Productivity
If manual input of payment information is used, then payment can be completed, but payment efficiency is reduced
Solution Approach 1:
The system performs preliminary action by pre-extracting and storing payment card information from physical cards before the actual payment transaction. When a payment is needed, the pre-extracted information is readily available for quick selection and use, eliminating the need to manually re-type card details during the payment process.
Solution Approach 2:
The patent replaces the time-consuming manual typing process with automated optical character recognition and information extraction from card images. This substitution dramatically reduces the time required to input payment information while maintaining accuracy.
3Adaptability or versatility
If multiple input interfaces are provided, then user convenience is improved, but interface complexity increases
Solution Approach 1:
The payment interface is designed with multi-functionality, supporting multiple input methods (manual typing, camera scanning, image upload) within a single unified interface. This universal design allows the same interface to adapt to different user preferences and device capabilities without requiring separate specialized interfaces.
Solution Approach 2:
The interface dynamically adjusts its behavior based on the selected input method. When camera scanning is chosen, the interface activates camera controls and processing; when manual input is selected, it displays keyboard and form fields. This dynamic adaptation allows multiple functions to coexist without creating permanent complexity in the interface structure.
Data Source
AI summary
Methods and devices for online payments are disclosed. Prior to accepting payment account information from a user for the payment transaction, a client terminal sends an interface listing command to a transaction server, requesting the transaction server to identify one or more acceptable input interfaces for receiving the payment account information. The transaction server responds to the interface listing command by a payment input instruction. The client terminal uses the payment input instructions to generate a payment information interface to present the one or more acceptable input interfaces for user selection. The user can choose how to input the payment information that best conforms to the user's expectations for security and convenience. The current method, device and system provide additional flexibility, improve efficiency, and facilitate online payment.