Payment-Intent Funds Sharing for Transparent Allocation and Deduction
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Solution Overview
Problem
Existing fund management systems lack transparency and accuracy in allocating and deducting funds among participating members, leading to distrust and inefficiencies in group or team expenditures.
Innovation Solution
A funds sharing service that allows members to manage and allocate funds based on a payment intention, using a funds sharing service as a payment mode, with automatic allocation and deduction features to ensure transparency and accuracy.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If manual fund allocation and deduction methods are used among participating members, then flexibility in management is maintained, but transparency and accuracy of fund distribution deteriorate
Solution Approach 1:
The system enables automatic fund allocation and deduction through predefined rules and member declarations. When a member declares their payment amount, the system automatically calculates and distributes funds to other members based on the declared amount and allocation rules, eliminating manual intervention while ensuring accuracy and transparency.
Solution Approach 2:
The system implements real-time feedback mechanisms where fund allocation results are immediately reflected in member balances. The system continuously monitors and updates fund distribution status, providing transparent visibility to all members about allocation accuracy and current fund positions, which resolves the transparency issue without requiring complex manual verification processes.
2Measurement precision
If centralized fund management is implemented, then transparency and accuracy of fund allocation are improved, but operational efficiency and ease of use deteriorate
Solution Approach 1:
The fund management system is segmented into independent, modular components: payment declaration module, fund allocation module, and balance deduction module. Each module operates independently with clear interfaces, allowing centralized control for accuracy while maintaining operational simplicity through automated workflows that require minimal user intervention.
Solution Approach 2:
The system performs preliminary actions by pre-configuring allocation rules and member information before actual fund transactions occur. When a payment is declared, the system has already prepared the allocation logic and member details, enabling accurate and efficient fund distribution without requiring complex real-time decision-making or manual operations during the transaction process.
3Reliability
If automatic fund allocation is implemented based on member quantity and payment amount, then accuracy and transparency of fund distribution are enhanced, but system complexity and processing requirements increase
Solution Approach 1:
The system achieves reliable fund allocation by dynamically adjusting parameters such as allocation ratios, member weights, and deduction amounts based on input variables like payment amount and member quantity. These parameter changes are performed automatically through predefined formulas, ensuring reliability and accuracy without requiring complex system architecture—only flexible parameter configuration.
Data Source
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AI summary
Embodiments of this specification provide funds processing methods and apparatuses. The funds processing method includes the following: acquiring payment information of a funds sharing service provisioned for a specific payment intention, where the payment information is obtained after order payment is made by using the funds sharing service as a payment mode; if an allocation instruction for target participating members of the funds sharing service is detected, performing funds allocation based on a quantity of members of the target participating members and a payment amount included in the payment information, to obtain funds shares of the target participating members; and performing deduction from balance amounts of the target participating members in the funds sharing service based on the funds shares.