Group Payment Recipient Selection via Proximity
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Solution Overview
Problem
Existing mobile payment applications require users to manually input or select multiple recipients for group money transfers, making the process cumbersome and time-consuming, especially in situations involving large groups or geo-fenced areas.
Innovation Solution
The technology enables users to send a group payment or request to multiple nearby recipients using a single action, leveraging low-energy wireless technologies like Bluetooth Low Energy (BLE) and contextual information to automatically identify intended recipients, reducing the need for manual input and streamlining the transaction process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If users manually input or select multiple recipients for group money transfers, then payment accuracy is improved, but operation time and complexity increase significantly
Solution Approach 1:
The system pre-identifies nearby users through location services before the payment transaction is initiated. This preliminary identification of recipients based on geographic proximity eliminates the need for manual selection during the transaction process, significantly reducing operation time while maintaining accuracy through user confirmation
Solution Approach 2:
The system automatically identifies and presents nearby users as potential recipients without requiring manual input from the sender. The proximity-based identification system performs the recipient selection task automatically, and the sender only needs to confirm the pre-identified list, thereby reducing operational complexity
2Measurement precision
If users manually select multiple recipients for group payments, then recipient identification accuracy is improved, but device complexity and operational steps increase
Solution Approach 1:
The system combines location detection, user identification, and recipient selection into a single automated process. By merging these functions and presenting a unified list of nearby users, the system reduces the number of separate operational steps while maintaining accurate recipient identification through the integrated proximity-based selection
3Reliability
If individual payment requests are sent to multiple people, then payment tracking is improved, but transaction time and effort increase
Solution Approach 1:
The system merges multiple individual payment requests into a single group payment transaction. This consolidated approach maintains payment tracking reliability through unified transaction records while dramatically improving transaction speed by processing all payments simultaneously rather than sequentially
Solution Approach 2:
The group payment system provides multi-functionality by simultaneously handling recipient identification, payment request generation, and transaction tracking in a single operation. This universal approach eliminates the need for separate manual operations for each recipient while maintaining comprehensive payment tracking
Data Source
AI summary
In one embodiment, a method includes receiving, by a payment service system, an indication from a payment application executing on a first mobile device operated by a first user to send a request for a money transfer. The method includes identifying second users in proximity to the first user based on identifying information associated with each second user of the second users received by the first mobile device over a wireless connection established by the first mobile device with each second mobile device. The method includes selecting one or more second users based at least on a contextual relationship between the first user and each second user of the one or more second users based on contextual information accessed by the payment service system or received from the first mobile device. The method includes causing each selected second user to receive the request for the money transfer.