Regional Information Sharing for Payment Bill Notifications
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Solution Overview
Problem
Users often miss payment deadlines due to the inability of third-party payment platforms to receive real-time bill generation information from public utility payment institutions, leading to personal credit losses and obstacles in handling credit products.
Innovation Solution
A method and apparatus for sharing regional information, where a third-party payment platform obtains a payment bill query request, determines if a payment bill has been generated, and pushes notification information to users in the same region, using user information that includes their region of residence, to ensure timely payment notifications.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the third-party payment platform uses a regular query mechanism to obtain bill information, then the platform can protect customer privacy by not obtaining bill generation information, but the user cannot receive real-time bill generation notifications and may miss payment deadlines
Solution Approach 1:
The patent introduces a regional information sharing mechanism as an intermediary solution. When one user queries and obtains bill generation information, the system pushes this information to other users in the same region, enabling indirect information sharing without the payment institution directly providing bill generation information to the third-party platform. This resolves the contradiction by allowing notification functionality while maintaining privacy protection.
2Loss of information
If the payment institution does not provide bill generation information to the third-party payment platform, then customer privacy is protected, but the user can only actively query for bills and often fails to pay in time
Solution Approach 1:
The system performs preliminary action by proactively pushing bill generation information to users in the same region once one user queries it, rather than waiting for each user to actively query. This preliminary notification action ensures users are informed before the payment deadline, reducing time loss while maintaining privacy protection through the regional sharing mechanism.
3Loss of information
If the third-party payment platform implements active query notification for each user, then real-time bill information can be obtained, but the system complexity and query frequency increase significantly
Solution Approach 1:
The patent merges the query functions of multiple users in the same region into a single query operation. When one user queries bill information, the result is shared with all other users in that region through push notifications. This combining approach reduces the total number of queries needed while ensuring all users access bill information, thereby reducing system complexity.
4Reliability
If the system pushes bill generation information to all users in a region, then payment timeliness is improved, but information redundancy and notification frequency increase
Solution Approach 1:
The system creates copies of the bill generation information and distributes them to multiple users in the same region through push notifications. This copying mechanism allows one query result to serve multiple users, improving payment timeliness for all users in the region while avoiding the need for each user to independently query, thus managing information volume efficiently.
Data Source
AI summary
A payment bill query request initiated by a user through a third-party payment platform is obtained at a payment platform server. Whether a payment institution has generated a payment bill for the user is determined based on the payment bill query request, where the payment institution does not provide the third-party payment platform with bill generation information. If so, user information associated with the user is obtained by the payment platform server and based on the payment bill. Whether information for notification that the payment institution has generated the payment bill for the user has been pushed to the region that the user belongs to is determined. If not, the information for notification that the payment institution has generated a payment bill is pushed to each user associated with the third-party payment platform within the region that the user belongs to through an account of the third-party payment platform.