Payment Management Apparatus for Flexible Payer Selection
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Solution Overview
Problem
Conventional payment management systems are limited in convenience as they only allow registered individuals to perform payment processes, restricting the ability to select alternative payers for purchases.
Innovation Solution
A payment management apparatus that receives a purchase request, selects multiple payment candidates based on user relationships and history, notifies the user terminal of the candidates, and performs payments based on the user's selected candidate, enhancing convenience by allowing selection from a list of potential payers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If only registered persons are allowed to perform payment processes, then payment security is maintained, but payment convenience is reduced
Solution Approach 1:
The system performs preliminary actions by pre-registering multiple potential payment persons (family members, friends, etc.) in the payment management apparatus before a purchase occurs. When a purchase request is made, the system automatically notifies these pre-registered persons, allowing them to accept or reject the payment request. This resolves the contradiction by having security measures (registration) in place beforehand while enabling flexible payer selection at the moment of purchase without requiring new registrations.
2Adaptability or versatility
If multiple payment candidates are selected and notified, then payer selection flexibility is improved, but system complexity increases
Solution Approach 1:
The payment management system is segmented into distinct functional modules: a registration module for storing payment person information, a notification module for contacting candidates, a selection module for user choice, and a payment execution module. This segmentation allows the system to handle multiple payment candidates efficiently without overwhelming complexity, as each module performs a specific function independently. The system can notify multiple persons simultaneously through different communication channels (SMS, email, push notifications), managing complexity through functional decomposition.
3Reliability
If payment candidates are pre-registered, then payment security is maintained, but user effort and time for new payers increase
Solution Approach 1:
The payment management apparatus implements a universal registration system that stores payment person information once and reuses it across multiple purchase scenarios. A single registration process creates a payment person profile that can be selected for any future purchases, making the system multi-functional for different payment situations. This universal approach maintains security through centralized verification while eliminating the need to re-register payers for each transaction, significantly reducing time loss compared to transaction-specific registration.
Data Source
AI summary
A payment management apparatus according to an embodiment includes a purchase request receiving unit, a payment candidate selecting unit, a list information notifying unit, a selected information acquiring unit, and a payment unit. The purchase request receiving unit receives a purchase request transmitted from a user terminal. The payment candidate selecting unit selects payment candidates as candidates for a payer who pays a price for a purchasing object corresponding to the purchase request on behalf of a user who holds the user terminal. The list information notifying unit notifies the user terminal of information on a list of the payment candidates. The selected information acquiring unit acquires, from the user terminal, information on a payment candidate selected from the list of the payment candidates as information on a selected candidate. The payment unit performs a payment process on the purchasing object based on the information on the selected candidate.