Order Processing System with Resource Manager for Secure Settlement
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Solution Overview
Problem
In order processing systems, there is a risk of resource security issues when resources like currencies or virtual currencies are transferred to merchant accounts without guarantees, leading to potential losses for users, as resource receivers may not return resources as required.
Innovation Solution
An order processing system and method that involves transferring resources from a user account to a secured account managed by a resource manager for temporary storage, and then from the secured account to a settlement account for final settlement, ensuring separate management of transfer-in and transfer-out resources to prevent losses and enhance security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If resources are transferred directly to merchant accounts without guarantees, then resource transfer speed is improved, but resource security deteriorates
Solution Approach 1:
The patent introduces a resource manager as an intermediary between users and merchants. The resource manager holds resources in a secured account during the order processing period, acting as a trusted mediator that ensures resource security while enabling direct user-merchant transactions. This resolves the contradiction by providing security guarantees without significantly impacting transfer speed.
Solution Approach 2:
The system performs preliminary resource allocation by transferring resources from user accounts to the resource manager's secured account before the order is actually fulfilled. This preliminary action ensures that resources are reserved and secured in advance, preventing potential losses while maintaining efficient settlement processes.
2Reliability
If resources are transferred to secured account for temporary storage, then resource security is improved, but system complexity increases
Solution Approach 1:
The resource manager serves multiple functions within the system: it acts as a secured account holder, a settlement coordinator, and a resource allocation manager. By consolidating these functions into a single multi-functional component, the system achieves enhanced resource security without proportionally increasing overall system complexity.
Solution Approach 2:
The resource manager automatically handles resource allocation, secured storage, and settlement coordination without requiring manual intervention for each transaction. This self-service capability manages the additional complexity introduced by secured account storage through automated processes rather than manual procedures.
3Reliability
If separate management of transfer-in and transfer-out resources is implemented, then resource security is improved, but processing time increases
Solution Approach 1:
The resource manager maintains continuous management of resources throughout the order lifecycle, from initial allocation to final settlement. By keeping resources continuously tracked and managed in the secured account rather than transferring them back and forth, the system ensures security while minimizing unnecessary processing delays.
Solution Approach 2:
Resources are preliminarily transferred to the resource manager's secured account at the start of the order process, and this same secured account is used for final settlement. This preliminary positioning of resources eliminates the need for time-consuming intermediate transfers between different accounts during the order fulfillment process.
Data Source
AI summary
An order processing system is provided, including a first client (100), a second client (110), an order server (120), a resource manager (130), and a resource transfer server (140). The order server communicates with the resource transfer server through the resource manager according to a received order preprocessing request to complete transfer of a prepaid resource. Then the order server performs order settlement according to a received order settlement request or order cancellation request.