Payment Server Verification Code Centralization
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The existing mobile payment systems face inefficiencies and increased transaction costs due to the need for service providers to verify service verification codes across multiple sales platforms, leading to low verification efficiency and high costs.
Innovation Solution
A data processing method and apparatus where a payment server obtains commodity and merchant information, makes payments, generates a service verification code, and establishes a correspondence between the code, merchant, and commodity information, allowing merchants to verify transactions on a single payment system, reducing the need for multiple platform verifications.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If service providers verify service verification codes on multiple sales platforms, then verification coverage is improved, but verification efficiency deteriorates and transaction costs increase
Solution Approach 1:
The patent introduces a payment system as an intermediary that centralizes service verification code validation. Instead of service providers directly verifying codes on multiple sales platforms, the payment system acts as a mediator that handles all verification requests centrally, improving efficiency while maintaining comprehensive verification coverage across different platforms
Solution Approach 2:
The payment system is designed with universal verification capability that can validate service verification codes from multiple different sales platforms through a single interface. This multi-functional design allows the system to adapt to various platforms without requiring separate verification mechanisms for each, thus maintaining versatility while improving verification efficiency
2Reliability
If service providers verify service verification codes on multiple sales platforms, then verification completeness is improved, but transaction costs increase
Solution Approach 1:
The patent merges the verification functions of multiple sales platforms into a single payment system. By combining the verification capabilities and centralizing the validation process, the system achieves complete verification coverage while eliminating the redundant costs associated with maintaining separate verification systems on each platform
Solution Approach 2:
The payment system serves as an intermediary that consolidates verification requests from multiple platforms. This mediation approach ensures that all service verification codes are properly validated (maintaining completeness) while reducing transaction costs by handling verifications through a single centralized system rather than multiple separate systems
Data Source
AI summary
The present invention provides a data processing method and an apparatus. When a payment server makes a payment based on a payment amount and a payment instrument of a payer, the payment server has obtained merchant information and commodity information of a commodity to be paid for, and after the payment is successful, establishes a correspondence between a service verification code, the merchant information, and the commodity information. Therefore, after the payment server sends the service verification code to a terminal corresponding to the payer, a user can perform verification on a payment system based on the service verification code. This improves verification efficiency and decreases transaction costs.