Group Payment Request via Chat Interface
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Solution Overview
Problem
Current communication technologies lack an efficient and flexible method for processing payments among groups of people, particularly in social settings where multiple individuals need to contribute to a shared expense or donation, as existing systems are not designed for real-time, group-based transactions.
Innovation Solution
A method and system that utilizes existing conversation interfaces within communication platforms to facilitate group payments by forming a conversation group, where users can request and manage payments through a group chat session, with features like payment schemes, verification, and secure transaction processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If existing communication platforms are used for group payments, then ease of operation is improved, but payment processing capability is insufficient
Solution Approach 1:
The patent integrates payment processing functionality into existing communication platforms, allowing the same platform to serve both communication and payment purposes. This multi-functionality approach enables users to initiate payments within the familiar chat interface without needing separate payment applications, thus improving ease of operation while adding payment capability.
Solution Approach 2:
The patent combines communication functions and payment processing functions into a unified system. By merging these previously separate functionalities, the system leverages the existing user base and interface of communication platforms while adding financial transaction capabilities, resolving the contradiction between ease of operation and payment processing capability.
2Reliability
If traditional payment systems are used for group transactions, then transaction security is improved, but flexibility for group-based transactions is reduced
Solution Approach 1:
The patent segments the payment process into multiple stages: initiation within the group chat, verification through communication platform authentication, and execution through integrated payment processing. This segmentation allows traditional secure payment mechanisms to be applied in a flexible, group-oriented manner, maintaining security while adapting to group transaction needs.
Solution Approach 2:
The communication platform acts as an intermediary between group members and the payment processing system. It facilitates secure transactions by mediating the interaction, using its existing authentication and user verification mechanisms to maintain security while enabling flexible group-based payment scenarios that traditional systems don't support.
3Adaptability or versatility
If separate payment applications are used, then payment processing capability is improved, but ease of operation is reduced
Solution Approach 1:
The patent makes the communication platform universal by adding payment processing capabilities to it. Users don't need to switch between communication apps and payment apps; the same platform handles both functions. This reduces operational complexity while maintaining robust payment processing capability.
Solution Approach 2:
By merging communication and payment functionalities into a single platform, the patent eliminates the need for users to navigate between separate applications. The payment processing capability is embedded within the familiar communication interface, improving ease of operation without sacrificing functional capability.
Data Source
AI summary
A method and device of requesting and receiving payment in a group chat environment are disclosed. The method includes: displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group; providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group; detecting an input from the user invoking the control for requesting payment from the pre-established conversation group; and in response to detecting the input from the user, posting a group payment request as a chat message to the group chat session.