Payment Order Binding for Multi-Merchant Virtual Services
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Solution Overview
Problem
Existing payment methods for virtual value-added services in applications are inadequate when multiple merchants are involved, as they fail to effectively support payment queries and provide accurate payment support for multiple merchants, leading to separation of payment behavior from actual service orders.
Innovation Solution
A payment method and system that involves a processing server to generate and match payment orders with merchant orders, using item IDs and vouchers to ensure accurate provision of virtual value-added services by multiple merchants, allowing users to query purchased services through payment orders.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If existing payment channels are used for virtual value-added services, then payment function is provided, but accurate payment support for multiple merchants cannot be achieved
Solution Approach 1:
The patent segments the payment processing into distinct components: merchant orders, payment orders, and payment vouchers. Each component serves a specific function in the multi-merchant payment ecosystem, allowing accurate tracking and matching of payments to specific merchants and services.
Solution Approach 2:
The processing server acts as an intermediary that receives merchant orders, generates payment orders, obtains payment vouchers from payment channels, and matches them to the correct merchant orders. This intermediary role enables accurate payment support for multiple merchants without requiring direct integration with each payment channel.
2Device complexity
If payment channels are used independently between user equipment and payment channel server, then payment processing is simplified, but binding between payment orders and merchant orders becomes difficult
Solution Approach 1:
The processing server performs preliminary actions by generating payment orders that explicitly reference merchant orders before the payment transaction occurs. This preliminary binding ensures that when payment vouchers are obtained from payment channels, the connection between payment and merchant order is already established and can be easily maintained.
Solution Approach 2:
The system uses payment vouchers as feedback from payment channels to confirm payment completion. The processing server uses this feedback to match payment orders with merchant orders, ensuring accurate information flow back through the system while maintaining the simplified independent payment processing architecture.
Data Source
AI summary
A payment method by a processing server to process payment that is independently performed between a user equipment and a payment channel server is provided. The method includes: generating, by the processing server, a payment order bound to a merchant order generated by a merchant device by determining a corresponding item ID, of a service and/or a product for purchase, that is registered with the payment channel server, the merchant order corresponding to the service and/or the product provided by the merchant device; obtaining, by the processing server, a payment voucher corresponding to the payment order; matching, by the processing server, based on the payment voucher, the merchant order bound to the payment order; and transmitting, by the processing server to the merchant device, based on the matched merchant order, a service/product providing notification for providing the service and/or the product to the user equipment.