Integrated Interactive Payment Elements for Multi-Customer Item Allocation
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Solution Overview
Problem
Conventional payment systems lack the ability for merchant and customer devices to communicate and exchange data, necessitating manual calculations and multiple payments for transactions involving multiple customers, leading to inefficiencies and security risks.
Innovation Solution
A payment service that utilizes interactive elements like QR codes to facilitate automatic and intelligent apportioning of payments among customers, leveraging machine learning for personalized item listings and secure data transfer using wireless communication protocols.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual calculations and multiple payments are used for multi-customer transactions, then payment flexibility is maintained, but processing time and operational complexity increase significantly
Solution Approach 1:
The patent combines multiple payment operations into a single integrated payment process. The system allows multiple customers to make payments simultaneously through a unified interface, consolidating what would traditionally require separate manual transactions into one automated flow, thereby reducing processing time while maintaining flexibility
Solution Approach 2:
The system enables customers to autonomously select items and make payments without requiring manual intervention from merchants. The automated item selection and payment allocation features allow customers to service their own transactions, eliminating time-consuming manual calculations and merchant mediation
2Productivity
If interactive elements and automated systems are implemented, then payment processing speed improves, but system complexity and data transmission requirements increase
Solution Approach 1:
The interactive elements (such as QR codes or digital displays) serve multiple functions: they display transaction information, enable customer interaction, facilitate item selection, and initiate payments. This multi-functionality reduces the need for separate dedicated components for each function, thereby managing system complexity while maintaining high processing speed
Solution Approach 2:
The system introduces an automated payment service as an intermediary between customers and merchants. This mediator handles the complex data transmission, item allocation, and payment coordination automatically, simplifying the user interface and reducing the apparent system complexity for end users while enabling high-speed processing
3Measurement precision
If manual item mapping and calculation are performed, then payment accuracy can be verified, but human error and processing inefficiency increase
Solution Approach 1:
The patent replaces manual mechanical calculations with automated electronic computation. The system automatically calculates payment allocations, maps items to customers, and processes transactions digitally, eliminating human calculation errors while dramatically increasing transaction throughput through automated high-speed processing
Data Source
AI summary
Technology related to processing multi-customer transactions is disclosed. In an example, an interactive element is generated for a transaction and an indication that a device of a first customer captured the interactive element is received. In response to receiving the indication, at least a portion of a listing of items associated with the transaction are presented via a user interface of the device of the first customer. A request to initiate a payment for one or more first items selected by the first customer from at least the portion of the listing of the items can be received and payment for an amount of the one or more first items using funds associated with an account of the first customer can be initiated, wherein a remaining balance associated with one or more remaining items associated with the transaction is payable by at least a second customer.