Payment Terminal Merging Multiple User Requests
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Solution Overview
Problem
Conventional payment systems are inefficient when multiple individuals split a bill and pay separately, as they often require different payment methods and incur additional transaction fees, making the process cumbersome and costly.
Innovation Solution
A user terminal device and payment system that allows multiple users to split and pay a purchase amount conveniently by communicating payment information and amounts between devices, integrating requests into a single transaction, and processing them through a terminal for payment, which recommends payment means and transmits approval notifications.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple users pay individually using different payment methods, then each user can use their preferred payment means, but the transaction process becomes complex and time-consuming
Solution Approach 1:
The patent combines multiple individual payment requests into a single integrated transaction. The terminal for payment aggregates payment information from multiple user terminal devices and processes them as one unified transaction, thereby reducing process complexity while preserving the ability to use different payment methods for different users.
Solution Approach 2:
The terminal for payment acts as an intermediary that receives payment requests from multiple user terminal devices, integrates the information, and transmits a consolidated transaction to the server. This intermediary function simplifies the overall process by centralizing the integration logic in one device rather than requiring complex coordination between multiple users and the server.
2Reliability
If multiple individual transactions are processed separately, then each payment can be handled independently, but transaction fees increase and processing time increases
Solution Approach 1:
Multiple separate payment transactions are merged into a single integrated transaction processed by the terminal for payment. This consolidation reduces the total processing time by eliminating redundant steps that would occur if each payment were handled separately, while maintaining the reliability of individual payment method processing through the server's validation system.
Solution Approach 2:
The terminal for payment performs preliminary integration of payment information from multiple users before transmitting the consolidated transaction to the server. This preliminary action of aggregating payment data in advance reduces the overall processing time by preparing the transaction structure beforehand, rather than processing each payment sequentially after all users have completed their individual steps.
3Reliability
If multiple individual transactions are processed separately, then each payment can be approved independently, but approval fees increase for the business
Solution Approach 1:
The patent merges multiple individual payment requests into a single transaction that incurs only one approval fee. The terminal for payment consolidates the payment information from multiple users and submits it as one unified transaction to the server, thereby reducing the total fees paid to payment processors while maintaining the reliability of approval through the server's centralized validation system.
4Device complexity
If users settle up later after one person pays, then payment processing is simplified, but user convenience decreases due to subsequent settlement requirements
Solution Approach 1:
The patent combines the convenience of individual payment selection with the simplicity of unified processing. Each user can specify their preferred payment method and amount in their own terminal device, and the terminal for payment automatically integrates these selections into a single transaction. This eliminates the need for subsequent settlement between users while preserving the simplicity of processing through the server's centralized system.
Data Source
AI summary
A user terminal device is disclosed. The user terminal device comprises: a communication unit for implementing communication between at least one other user terminal device and a terminal for payment; a display unit for displaying a UI screen for a payment; a user input unit for inputting information on payment means and a payment amount on the UI screen; and a processor for controlling a communication unit for receiving, from at least one other user terminal device, information on payment means and a payment amount input in the at least one other user terminal device and, on the basis of information input through the user input unit and received information, transmitting payment requests respectively corresponding to the user terminal device and the at least one other user terminal device to the terminal for payment.