Postpaid Settlement Method Auto-Registration for Prepaid Funding
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Solution Overview
Problem
Existing payment applications require users to manually register and manage multiple settlement methods, leading to a complex and cumbersome registration process, especially when using prepaid settlement methods that need separate funding sources for depositing.
Innovation Solution
A method executed by a terminal device with an application program that allows users to transmit a usage application for a postpaid settlement method, register it as a first settlement method, and automatically register the postpaid method as a second settlement method for depositing into a prepaid settlement method, thereby simplifying the registration procedure.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If users manually register multiple settlement methods in the payment application, then the application can support diverse payment options, but the registration process becomes complex and cumbersome
Solution Approach 1:
The system performs preliminary action by automatically registering the postpaid settlement method as a funding source for the prepaid settlement method during the initial registration process. This eliminates the need for users to manually configure the funding source linkage, thereby simplifying the registration process while maintaining support for multiple payment methods
Solution Approach 2:
The system implements self-service by automatically establishing the funding source relationship between postpaid and prepaid settlement methods without requiring user intervention. The application program autonomously completes the registration of funding sources, reducing the operational burden on users while preserving payment method versatility
2Reliability
If prepaid settlement methods require separate funding sources to be registered, then the financial linkage is established, but the registration procedure becomes more complex
Solution Approach 1:
The system merges the registration of the postpaid settlement method and the funding source configuration into a single integrated process. When a user registers a prepaid settlement method, the system simultaneously automatically registers the postpaid settlement method as its funding source, thereby establishing reliable financial linkage while simplifying the registration procedure
Solution Approach 2:
The system performs preliminary action by pre-configuring the postpaid settlement method as the funding source for the prepaid settlement method during the initial registration. This advance configuration ensures reliable financial linkage is established without requiring users to navigate complex multi-step registration procedures
Data Source
AI summary
The terminal device storing the application program transmits a usage application for the postpaid settlement method. Next, the terminal device registers the postpaid settlement method issued in response to the usage application in the application program as one of the first settlement method available for the electronic settlement. When the terminal device registers the prepaid settlement method as one of the first settlement method in the application program, the terminal device automatically registers the postpaid settlement method in the application program as one of the second settlement method for depositing the prepaid settlement method registered as one of the first settlement method.