Payment Processing System Using Resident Registration Connection

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Solution Overview

Problem

Users face inconvenience and increased operational burden when a registered payment card becomes invalid or is no longer usable, requiring manual card information updates and repeated validity determinations across multiple payment service providers, necessitating separate card registration and authentication processes.

Innovation Solution

A system and method that utilize connection information based on a user's resident registration number to acquire and transmit card information from a card company server, generating card replacement numbers and approval information for seamless payment processing, reducing the need for manual card registration and authentication across multiple service providers.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual card registration and validity determination operations are performed by users and payment service providers, then payment processing can be completed, but operational burden and time consumption increase significantly

Engineering Contradiction:

Improvepayment processing efficiencyVSAvoidtime for manual card registration and validity determination

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The system enables automatic card information acquisition and validity determination without requiring manual user intervention. The payment service provider automatically obtains card information from the card company server using connection information, eliminating the need for users to manually register cards or provide card details during payment processing.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

A card company server acts as an intermediary between the payment service provider and the card issuer. This intermediary automatically provides card information and validity status to the payment service provider, eliminating the need for repeated manual card registration and validity determination operations across multiple service providers.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If card information is manually updated when a card becomes invalid, then payment can continue, but operational burden on users and service providers increases

Engineering Contradiction:

Improvepayment continuityVSAvoidmanual card information update process

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system implements automatic feedback mechanisms where the card company server continuously provides validity status information about user cards to the payment service provider. When a card becomes invalid, the system automatically receives updated card information from the card company server and notifies relevant parties, eliminating the need for manual card information updates while maintaining payment continuity.

Inventive Principle:

Principle #23Feedback

3Adaptability or versatility

If users register cards with multiple payment service providers, then payment options increase, but complexity of card registration and management increases

Engineering Contradiction:

Improvepayment service provider compatibilityVSAvoidcard registration and management process

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The card company server serves as a universal intermediary that provides card information to multiple different payment service providers simultaneously. This universal approach allows users to maintain their cards with one provider while enabling compatibility with multiple payment service providers, eliminating the need for separate card registration processes with each provider.

Inventive Principle:

Principle #6Universality (Multi-functionality)

4Measurement precision

If repeated card validity determination operations are performed, then payment accuracy is maintained, but operational burden on payment service providers increases

Engineering Contradiction:

Improvecard validity determination accuracyVSAvoidpayment service provider operational efficiency

Core Design Contradiction:

Measurement precisionVSProductivity

Solution Approach 1:

The system performs preliminary card validity determination by automatically obtaining current card information from the card company server before payment processing begins. This preliminary action ensures that the payment service provider has accurate, up-to-date card validity information without needing to perform repeated validity determination operations during the payment process, thereby maintaining accuracy while improving efficiency.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS20230028740A1Apparatus, method, and recording medium storing commands for supporting payment

Publication Date: 2023.01.26 BLUEWALNUT CO LTD

AI summary

An apparatus according to the present disclosure may acquire connection information generated based on a resident registration number of the user and order information for an order of the user, may transmit the connection information to a card company server, may acquire first card information of the user determined based on the connection information, the first card information including one or more card replacement numbers, may transmit second card information to a terminal of the user, may acquire information indicating a first card used to pay for the order among one or more cards included in the second card information, may transmit a card replacement number for the first card to the card company server, may acquire approval information for approving payment for the order by the first card, and may pay for the order based on the approval information.