Payment Method Switching for Insufficient Balance
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Solution Overview
Problem
Users face complexity and burden in managing credit card payments due to insufficient account balances and unclear payment amounts, leading to potential delays and adverse credit information recording.
Innovation Solution
An information processing device and method that requests bank debits for credit card transactions, determines account balance sufficiency, and changes payment methods from variable to fixed payment methods, allowing for sorted and predictable payments, reducing user burden.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If variable payment method is used for credit card transactions, then payment flexibility is improved, but payment amount clarity deteriorates
Solution Approach 1:
The patent segments the payment processing into individual transaction items, allowing each item to be independently tracked with its own payment status and amount. This segmentation enables clear visibility of each transaction while maintaining flexible payment methods, resolving the contradiction between payment flexibility and amount clarity.
2Reliability
If account balance checking is performed manually to avoid insufficient balance, then payment reliability is improved, but user burden increases
Solution Approach 1:
The system implements self-service by automatically checking account balances and determining payment feasibility without requiring manual user intervention. The system autonomously handles balance verification, payment method selection, and transaction processing, thereby maintaining payment reliability while eliminating the burden of manual balance checking.
Solution Approach 2:
The system provides real-time feedback to users regarding account balance status and payment outcomes. This feedback mechanism allows the system to automatically adjust payment processing based on available funds, ensuring payment reliability while reducing user burden through automated decision-making.
3Adaptability or versatility
If multiple payment methods are provided for user selection, then payment versatility is improved, but system complexity increases
Solution Approach 1:
The patent implements dynamic payment method selection where the system automatically adjusts and selects appropriate payment methods based on real-time account balance and transaction requirements. This dynamic approach maintains payment versatility by offering multiple options while reducing system complexity through automated selection logic that adapts to current conditions.
Data Source
AI summary
Provided is an information processing device which enables a user to always and easily recognize an amount to be paid by the user, which results in a reduction of the burden imposed on the user. A debit requesting module (72) requests that a bank debit a bill amount of each transaction of a credit card from a payment account of the credit card. A balance determination module (81) determines whether or not a balance of the payment account is insufficient for the bill amount of the each transaction based on a notification of a result of the debit from the bank. A change module (74) changes, when it is determined that the balance of the payment account is insufficient, a payment method for a bill amount of an item of transactions which uses a variable payment method to a fixed payment method, the fixed payment method being a method of paying a predetermined fixed amount of money as a unit, the variable payment method being a method of making a payment with a payment unit that varies for each transaction depending on an amount of the transaction of the credit card. The present invention is applicable to a server.