Mobile App Link for Remote Contract Settlement
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Solution Overview
Problem
Existing mobile terminal settlement techniques are limited by time and location constraints and do not facilitate the settlement of contract applications, such as automobile loan contracts, requiring users to physically visit a store.
Innovation Solution
An information processing device that registers user identification information linked with purchase and payment conditions, generates a link to transition the mobile terminal's display screen to a dedicated application page, and prompts users to apply for contracts, allowing remote settlement of applications.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users visit stores to read QR codes for settlement, then settlement can be processed, but time and location constraints are imposed on users
Solution Approach 1:
The system pre-generates and stores settlement information, QR codes, and navigation instructions in advance. When a user visits the store, the system already has all necessary settlement data prepared and linked to the user's account, allowing immediate processing without requiring the user to manually provide information or wait for store staff to prepare settlement details.
Solution Approach 2:
The patent introduces an intermediary mobile terminal application as a mediator between the user and the settlement system. This app stores settlement information locally on the user's device and provides automatic navigation to the store, eliminating the need for users to physically visit the store while still enabling seamless settlement processing through the intermediary app's QR code scanning and data transmission capabilities.
2Adaptability or versatility
If users visit stores to make settlement, then contract applications can be settled, but location constraints prevent users from settling at home
Solution Approach 1:
The mobile terminal application is designed with multi-functionality, serving both as a navigation tool (providing directions to the store) and as a settlement processing system (storing settlement information, generating QR codes, and handling contract applications). This universal app allows users to perform multiple functions from their homes, including viewing settlement details, navigating to stores, and initiating contract applications, thereby eliminating location constraints.
Solution Approach 2:
The system creates a digital copy of the settlement process that can be accessed and completed remotely. The mobile app stores a copy of the settlement information and contract application forms, allowing users to review and submit applications from home. This digital copying of the settlement process eliminates the need for physical presence at the store while maintaining the integrity and functionality of the settlement process.
3Adaptability or versatility
If traditional settlement systems are used, then purchase information can be processed, but contract application settlement is not supported
Solution Approach 1:
The patent merges the purchase information processing system with the contract application settlement system into a unified integrated system. The mobile terminal application combines navigation functions, settlement information storage, QR code generation, and contract application processing capabilities in a single integrated platform, allowing both purchase settlement and contract application settlement to be handled through the same system without requiring separate complex systems.
Data Source
AI summary
An information processing device includes a control unit. The control unit registers, for each user, identification information that links the user's personal information with purchase information including sales conditions and payment conditions for the product purchased by the user. The control unit generates a link including identification information and information that causes the display screen of the mobile terminal owned by the user to transition to a dedicated page within a predetermined application installed on the mobile terminal. When the dedicated page is displayed on the display screen based on the link, the control unit prompts the user to apply for a contract based on the purchase information. Upon receiving a contract application from a user, the control unit settles the contract application.