Multi-Part QR Code Segmentation for Verified Split Payments
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Solution Overview
Problem
Existing QR code-based payment systems are not designed for split transactions, complicating the verification of full payment and requiring manual refunds when some users cannot pay their share, and they lack a visually user-friendly representation of payer participation and payment status.
Innovation Solution
A method and system that automatically generates a dynamic or static MPQR code for split transactions, monitors payment status, and provides personalized visual representations on mobile devices, allowing simultaneous scanning and ensuring funds are held in escrow until the total amount is paid, then transferring the funds to the merchant.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a single QR code is used for split transactions, then payment collection is simplified, but verification of full payment becomes complicated
Solution Approach 1:
The single QR code is segmented into multiple portions, each assigned to a different payer. Each portion contains encoded information about the specific payer's share, allowing individual scanning and payment while maintaining the structure of a single unified code. This segmentation enables simplified payment collection while allowing verification of each payer's contribution through their respective code portions.
2Device complexity
If separate payment codes are generated for each consumer, then payment verification is simplified, but the payment process becomes more complicated
Solution Approach 1:
Multiple individual payment codes are merged into a single QR code that contains all the necessary information for multiple payers. The merged code maintains the ability to be scanned and processed individually by each payer while representing a unified payment instrument. This combining approach simplifies the payment process for consumers while enabling verification through the segmented structure.
3Ease of manufacture
If manual refunds are processed for partial payments, then fund management is straightforward, but time and resources are lost
Solution Approach 1:
The system incorporates automated feedback mechanisms that monitor payment status in real-time. When a payer completes their portion of the split transaction, the system automatically receives feedback and can trigger immediate refund processes if the total payment is not received. This automated feedback loop eliminates manual intervention, reducing both time loss and resource consumption while maintaining straightforward fund management.
4Productivity
If payment status monitoring is automated, then efficiency is improved, but system complexity increases
Solution Approach 1:
The payment monitoring system is designed to be self-service, automatically tracking payment status without requiring external intervention. Each QR code portion contains embedded information that enables automatic identification and tracking of payment status. The system self-updates and self-manages the monitoring process, improving efficiency while minimizing the added complexity through automated self-service functionality.
Data Source
AI summary
Provided herein is a method for processing a split transaction, including generating or accessing an MPQR code, enumerating the transactors, assigning a split payment amount to each transactor, displaying the MPQR code in a scannable location, scanning the MPQR code by a mobile computing device of each transactor, generating a personalized visual representation of the MPQR code for each transactor and displaying it on their mobile devices with a hyperlink to that transactor's payment processing site, debiting the split payment from each transactor, holding in escrow the split payments until the transactors collectively remit the total transaction amount, and, after the transactors have collectively remitted the total transaction amount, transferring the split payments to the merchant.