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
Engineering 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
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.
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
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.
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
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.
Data Source
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.


