Group Service Plan Transaction Management via Unique Links
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Solution Overview
Problem
In group service plans, account holders face challenges in managing transactions and distributing costs among group members, leading to resource consumption and communication burdens.
Innovation Solution
A transaction management platform that partitions amounts into portions and generates unique links for secondary users to complete transactions, reducing the burden on account holders by automating the process and conserving resources.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If the account holder manually manages transactions and distributes costs among group members, then the account holder can control and track all transactions, but this leads to increased burden on the account holder and consumption of communication resources
Solution Approach 1:
The system enables secondary users to automatically complete their own transactions through unique links sent to their devices. Each secondary user receives a unique link that, when accessed, automatically initiates the transaction process without requiring the account holder to manually collect payments or communicate with each member. This self-service mechanism eliminates the need for continuous communication between the account holder and group members regarding payment arrangements.
Solution Approach 2:
The system introduces an automated intermediary platform that mediates between the account holder and secondary users. The platform generates unique links that encode transaction information and automatically processes transactions when secondary users access them. This intermediary system handles the communication and coordination tasks that would otherwise burden the account holder, reducing both manual effort and communication resource consumption.
2Measurement precision
If the account holder manually distributes costs among group members, then the account holder can ensure accurate cost allocation, but this increases the time and effort required for transaction management
Solution Approach 1:
The system performs preliminary actions by pre-calculating and encoding the exact cost allocation for each secondary user into unique links before transactions occur. The account holder initiates the process by specifying the total amount and number of secondary users, and the system automatically divides the cost and generates unique links with pre-determined transaction amounts. This eliminates the need for the account holder to manually calculate and track each user's portion during the actual transaction phase.
Solution Approach 2:
Secondary users automatically complete transactions with pre-calculated amounts by accessing their unique links. The system handles the precise cost allocation automatically when users complete transactions, eliminating the need for the account holder to manually track and verify each payment. This self-service mechanism maintains accurate cost allocation while significantly reducing the time and effort required from the account holder.
3Extent of automation
If the system generates unique links for each secondary user device, then the transaction process is automated and burden on account holder is reduced, but this increases device complexity and automation requirements
Solution Approach 1:
The system generates unique links that are digital copies containing encoded transaction information for each secondary user. These links serve as simplified representations of the complex transaction data and authentication requirements. When secondary users access these link copies, the system automatically processes the full transaction based on the encoded information, achieving high automation without requiring complex interfaces or systems on the user side.
Data Source
AI summary
A transaction management platform may partition an amount associated with a group service plan into a plurality of portions. The transaction management platform may provide a graphical user interface to a primary user device of the plurality of user devices. The transaction management platform may receive, from the primary user device, a request for a transaction associated with a portion of the plurality of portions. The portion may be attributable to a secondary user device of the plurality of user devices. The transaction management platform may provide to the secondary user device of the plurality of user devices a unique link that has been generated based on one or more parameters and that enables the secondary user device to complete the transaction. Based on the secondary user device completing the transaction, the transaction management platform may process the transaction to provide an updated amount.