Electronic Money Recharge Server for Mobile Terminals
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Solution Overview
Problem
Users face inconvenience in monitoring and maintaining sufficient electronic money balances in mobile communication terminals, leading to low cash and e-money issues, especially for youth and senior citizens, who may struggle with recharging their terminals, often requiring cumbersome bank visits for cash withdrawals and recharges.
Innovation Solution
An electronic money recharge service system and method that allows direct loading of electronic money onto a recipient's mobile communication terminal through a payer's terminal or credit card, using a money recharge server to process payments and manage balances, including features like minimum and set amount notifications and automatic recharging.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually monitor and recharge electronic money balances at banks or recharge machines, then the e-money system can maintain basic functionality, but users experience inconvenience and time loss especially for youth and senior citizens
Solution Approach 1:
The system enables automatic balance monitoring and recharge initiation where the terminal itself detects low balance conditions and automatically requests recharging without requiring user intervention to visit banks or recharge machines
Solution Approach 2:
The system performs preliminary balance monitoring and automatically initiates recharge processes before the user needs to manually intervene, predicting when recharging will be needed based on balance thresholds and user spending patterns
2Ease of operation
If electronic money is stored in mobile communication terminals, then payment convenience is improved, but users face difficulty in monitoring balances and managing sufficient funds
Solution Approach 1:
The system continuously monitors e-money balances and provides automatic feedback to users when balances fall below predetermined thresholds, enabling informed decision-making about when recharging is needed without requiring active user monitoring
3Speed
If direct electronic money transfer between individuals is implemented, then transaction speed is improved, but the system complexity for managing payer and recipient terminals increases
Solution Approach 1:
The recharge server acts as an intermediary between payer and recipient terminals, managing the complex authentication, balance verification, and fund transfer processes while presenting a simple interface to users for initiating transfers
Data Source
AI summary
E-money recharge service system, e-money recharge server, and recharge method are disclosed. The e-money recharge service system includes: recipient terminal for receiving and storing e-money; payer terminal for performing settlement approval procedure for payment of e-money loaded into recipient terminal; and money recharge server for receiving input of money information including information on the whole or part of identification of recipient terminal, identification of payer terminal, recharge amount, and methods of payment from subscriber to money recharge service, for the subscriber acting money payer recharging the recipient terminal with e-money corresponding to recharge amount and making payment for settling recharge amount of money through the methods of payment, and for the subscriber acting money recipient transmitting message of inquiry to payer terminal of settlement approval of recharge amount and recharging recipient terminal with e-money corresponding to recharge amount if settlement approval is issued by payer terminal.