SDK-Based Payment Routing for Unified Host Program Management
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing payment systems face challenges in managing payments uniformly due to differences in payment identifiers and technical specifications between various card issuers and institutions, leading to difficulty in managing payments effectively.
Innovation Solution
A payment method and system that utilizes a network-wide payment platform, integrated with user terminals through SDKs, to facilitate interaction with host programs, enabling the retrieval of a host program list, selection of a target host program, and resource deduction using a target card bound to that program, thereby standardizing payment processes across different issuers and institutions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If each card issuer or institution develops its own separate payment application with unique identifiers and technical specifications, then each institution can maintain its own payment system independently, but it becomes impossible to uniformly manage payments and increases the difficulty of payment management
Solution Approach 1:
The patent introduces a unified payment identification mechanism that acts as an intermediary layer between different card issuers/institutions and the payment management system. This mechanism standardizes payment identifiers and technical specifications across all institutions, enabling uniform management while preserving institutional independence. The standardized identification system mediates between diverse payment systems and the central management platform, resolving the contradiction by providing a common interface without forcing consolidation of individual payment systems.
2Adaptability or versatility
If multiple different payment applications with varying technical specifications are used, then users can access diverse payment services from different institutions, but uniform payment management becomes impossible and operational complexity increases
Solution Approach 1:
The patent implements a universal payment identification framework that enables a single payment management system to handle multiple diverse payment services from different institutions. The standardized identification mechanism provides multi-functionality by accommodating various card issuers and institutions under one unified management paradigm. This allows the system to maintain service diversity while simplifying management operations, as the universal identifier system can recognize and manage all payment types through consistent procedures.
3Reliability
If each institution uses its own unique payment identifiers and technical specifications, then institutional autonomy is maintained, but the difficulty of managing payments across institutions increases significantly
Solution Approach 1:
The patent transforms the payment identification parameters from institution-specific variables to standardized universal parameters. By changing the identifier structure from unique institutional codes to a unified identification scheme, the system maintains institutional autonomy (each institution still operates independently) while dramatically simplifying cross-institutional payment management. The parameter transformation allows the management system to handle all payments through consistent rules rather than institution-specific procedures.
Data Source
AI summary
A method for data processing include: when payment is triggered by an e-commerce application program, calling a first SDK to obtain a first host program list from a network-wide payment platform, where the first host program list includes host program identifiers of at least part of host programs supported by the network-wide payment platform; when a target host program is determined from the first host program list by calling the first SDK, calling the target host program; and calling, by means of the target host program, a second SDK to interact with the network-wide payment platform, so that the network-wide payment platform interacts with the host program platform to complete payment by a target card, the target card being a resource card bound to the target host program.