Unified Map Payment Interface for Frictionless Merchant Transactions
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Solution Overview
Problem
Current payment systems, particularly those using QR codes, are cumbersome and inefficient, requiring users to download separate apps and navigate complex interfaces for scanning and processing payments, which can be time-consuming and inconvenient, especially when trying to make payments at specific locations or businesses.
Innovation Solution
A system that allows users to directly make payments to merchants by identifying their location on a map, scanning QR codes associated with those locations, and processing payments through a unified interface on their mobile device without needing to enter account information or redirect to external websites, enabling seamless in-store payments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If QR code payment systems are used, then payment functionality is provided, but users need to download separate apps and navigate complex interfaces making the process cumbersome and time-consuming
Solution Approach 1:
The patent merges QR code scanning, payment processing, and merchant location identification into a single integrated map application. The map app combines these previously separate functions (mapping, QR scanning, payment) into one unified interface, eliminating the need for users to download and switch between multiple applications.
Solution Approach 2:
The map application is transformed into a multi-functional platform that not only provides navigation and location services but also incorporates QR code scanning capabilities and payment processing. This universal approach allows the same application to perform multiple tasks that previously required separate specialized apps.
2Productivity
If QR code scanning is implemented for payments, then payment capability is enabled, but the scanning and processing procedure becomes complex and time-consuming
Solution Approach 1:
The system performs preliminary actions by automatically detecting the user's current location via GPS and pre-loading or pre-positioning the relevant merchant information and payment interface elements. When a QR code is scanned, the payment processing is already prepared and can be completed in a single user action, eliminating multi-step procedures.
Solution Approach 2:
The patent eliminates intermediate steps in the payment process. Instead of requiring users to manually enter account information, navigate through multiple screens, or confirm multiple details, the system skips these steps by automatically retrieving stored payment information and executing the transaction based on the QR code scan result.
3Adaptability or versatility
If location-based merchant identification is used, then relevant merchants are found, but users need to search and select from multiple options which adds complexity
Solution Approach 1:
The system performs automatic location-based merchant identification without requiring active user input. The application continuously monitors GPS location and automatically identifies and displays relevant merchants in the vicinity, eliminating the need for users to manually search or filter through lists of merchants.
Data Source
AI summary
Various embodiments of a system, methods, server, client, and graphical user interface to displaying on map interface, place(s) associated with particular location of place wherein places including current, nearest, nearby, category specific, searched and any combination thereof for enabling user to select or identify specific place or place of business on map and view associated standardized and integrated payment user interface with/in said selected or identified place or place icon or place user interface which enable user to make entered or inputted or selected or displayed or pre-set or default or pushed particular amount of payment from user's account to said selected or identified place associated automatically identified merchant's account, without the user having to enter the account information related to merchant.