Remote Payment Routing via SDK Priority Matching
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Solution Overview
Problem
The inefficiency of manual selection of payment applications during the payment process in e-commerce transactions leads to low payment efficiency.
Innovation Solution
A smart routing-based method that utilizes integrated SDKs in e-commerce and payment applications to automatically determine and prioritize payment applications, allowing seamless interaction with a remote payment platform without manual user selection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually select payment application programs during payment process, then users can choose preferred payment method, but payment efficiency decreases due to manual operation time
Solution Approach 1:
The system automatically selects and activates the target payment application program based on pre-configured priority rules without requiring manual user selection. The payment system serves itself by autonomously determining which payment application to use, thereby eliminating manual operation time while maintaining operational convenience through automated decision-making
Solution Approach 2:
Multiple payment application programs are pre-configured with priority levels before the payment process occurs. When payment is needed, the system immediately activates the highest priority payment application that meets the requirements, avoiding the need for real-time manual selection and improving payment efficiency
2Adaptability or versatility
If multiple payment application programs are provided to meet diverse user needs, then payment versatility increases, but system complexity increases due to multiple integrated SDKs
Solution Approach 1:
The system segments the payment functionality by integrating separate SDKs for different payment application programs (first SDK for e-commerce payment, second SDK for payment application payment). Each SDK handles a specific payment type independently, allowing the system to maintain versatility through multiple payment options while managing complexity through modular, separated implementations
Solution Approach 2:
The remote payment platform serves as a universal interface that supports multiple payment application programs through standardized interaction protocols. The platform provides unified access to diverse payment methods while abstracting the underlying complexity, allowing the system to maintain both versatility and manageable architecture
Data Source
AI summary
A smart routing-based remote payment method include: when an e-commerce application program triggers a multi-party payment entrance, calling a first SDK to send a list request message to a remote payment platform; calling the first SDK to obtain a first payment application list from the remote payment platform, the first payment application list representing a plurality of payment application programs supported by the remote payment platform and having priorities arranged from high to low; calling the first SDK to obtain a second payment application list, the second payment application list representing payment application programs owned by a user terminal; calling up, by the first SDK, a payment application program having the highest priority in an intersection of the first payment application list and the second payment application list; and calling, by the payment application program, a second SDK to interact with the remote payment platform to complete payment.