Payment System DOI Extraction via Intermediary Server

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Solution Overview

Problem

Conventional payment systems face challenges in integrating with third-party payment institutes due to incompatible systems, making it inconvenient or impossible for users to complete payments, especially when traveling abroad where local third-party payment institutes cannot extract information from digital object identifiers (DOIs) like QR codes.

Innovation Solution

A method and apparatus that determine a third-party payment institute based on geographical location, acquire a payment account, generate a DOI with payment account information, and enable merchants to scan and process payments through a server, allowing for seamless payment processing even with foreign payment systems by establishing a correspondence between user identity and payment accounts.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If conventional payment systems use local third-party payment institutes, then payment processing is efficient within the local system, but compatibility with foreign payment systems is lost and users cannot complete payments abroad

Engineering Contradiction:
Improvepayment system compatibilityVSAvoidsystem integration complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces a server as an intermediary between the user's client device and foreign third-party payment institutes. This server acts as a mediator that receives payment requests from the client, extracts DOI information, and communicates with foreign payment systems on behalf of the user. This intermediary approach enables compatibility with foreign payment systems without requiring direct integration between the client device and multiple foreign payment institutes, thus maintaining simplicity while achieving versatility.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Ease of operation

If third-party payment institutes cannot extract DOI contents, then system security is maintained through protocol compliance, but payment functionality is lost in foreign regions

Engineering Contradiction:
Improvepayment completion capabilityVSAvoidsystem protocol compliance
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent employs a copying strategy where the server replicates the DOI extraction and payment processing functionality that exists in local payment systems. Instead of requiring foreign payment institutes to natively extract DOI contents, the server creates a copy of the extraction logic and performs it on behalf of the payment institute. This allows payment functionality to be restored in foreign regions while maintaining protocol compliance, as the server acts as a compliant intermediary that handles the non-compliant extraction task.

Inventive Principle:
Principle #26Copying

3Adaptability or versatility

If existing third-party payment institute infrastructures are modified, then compatibility with DOI-based payment systems is achieved, but system stability and security are compromised

Engineering Contradiction:
ImproveDOI extraction capabilityVSAvoidpayment system stability
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The patent segments the payment system into distinct functional components: the client device that generates DOIs, the server that handles DOI extraction and payment processing, and the third-party payment institutes that execute payments. By separating the DOI extraction functionality into a dedicated server component rather than integrating it into the payment institute's core infrastructure, the system achieves adaptability to DOI-based payments while preserving the stability and security of existing payment institute systems. Each segment maintains its原有的 stability while the server provides the necessary adaptability.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS11715090B2Payment method, apparatus and device
Publication Date: 2023.08.01 ADVANCED NOVA TECH (SINGAPORE) HLDG PTE LTD
  • US11715090B2 patent drawing
  • US11715090B2 patent drawing
  • US11715090B2 patent drawing

AI summary

A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.