Encrypted Bill Split Payment System
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Solution Overview
Problem
Existing bill split payment methods often reveal payment information to the representative, compromising privacy and security, and may require complex procedures or involve unclear payment responsibilities.
Innovation Solution
A system involving a payee computer, representative computer, payer computers, and a settlement computer, where the representative transmits first amount information to payer computers, which then send second amount information to the settlement computer for encryption and back to the representative, ensuring payment information is encrypted and only accessible to the payee, clarifying payment responsibilities without revealing details to the representative.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the representative receives information for payment settlement from each payer and transmits the information to the payee in bill split payment, then payment responsibilities are clarified, but the contents of the information for payment settlement may be known to the representative
Solution Approach 1:
The patent introduces an encryption intermediary mechanism where settlement information is encrypted using the payee's public key before being transmitted through the representative to the payee. The representative acts as a mediator who can transmit the encrypted information but cannot decrypt it, thus maintaining payment information privacy while still enabling the representative to facilitate the payment process.
Solution Approach 2:
The patent transforms the payment information from a plaintext state to an encrypted state by changing its cryptographic parameters. The settlement information is encrypted using the payee's public key, which changes the information's accessibility parameters - it becomes unreadable to anyone except the payee who holds the corresponding private key, thus protecting privacy while maintaining transmittability.
2Ease of operation
If bill split payment is made by cards or electronic money, then payment convenience is improved, but the procedure becomes complex in front of the ECR
Solution Approach 1:
The patent extracts the complex payment settlement procedures from the ECR environment and relocates them to a remote server system. The ECR only needs to perform simple card swiping or electronic money transmission, while the complex bill splitting, encryption, and settlement coordination are handled by the representative terminal and server, thus simplifying the ECR procedure.
Solution Approach 2:
The patent introduces a server as an intermediary that handles the complex settlement calculations and coordination. The server receives payment information from the ECR, performs the bill split calculations, encrypts the settlement information, and coordinates with the representative terminal, thereby relieving the ECR of procedural complexity while maintaining payment convenience.
3Device complexity
If the representative and bill split payer each pay by credit card, then no complex procedure is required in front of the ECR, but the payment responsibility becomes unclear
Solution Approach 1:
The patent introduces an encrypted information transmission mechanism as an intermediary that preserves payment responsibility clarity. The settlement information is encrypted with the payee's public key, creating a verifiable record that shows which payer is responsible for which amount, while the representative can still facilitate the process without seeing the decrypted information, thus maintaining both simplicity and clarity.
Data Source
AI summary
When a split amount decided by a representative splitting, in a representative terminal, a total amount transmitted from a store terminal is notified from each member terminal to a credit company server as a payment amount, the credit company server holds information for payment settlement, and transmits payment permission information including encrypted information generated by encrypting the information for payment settlement, to each member terminal. Each member terminal transmits payment permission information of the same contents as the payment permission information to the representative terminal. The representative terminal transmits payment permission information obtained by concatenating the payment permission information, to the store terminal.