Store Mobile Terminal Electronic Settlement via Customer Device
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Solution Overview
Problem
Store mobile terminal devices without a reading means for electronic settlement cannot facilitate electronic transactions, limiting customer payment options.
Innovation Solution
Incorporating a product information acquisition means to allow customers or store clerks to input product information, and an output means to generate payment information, enabling customer mobile terminal devices to read and process this information for electronic settlement.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Device complexity
If the store mobile terminal device does not include a reading means for electronic settlement, then the device complexity is reduced, but the ability to make electronic settlement is lost
Solution Approach 1:
The patent introduces a customer mobile terminal device as an intermediary to perform the reading of payment information. Instead of requiring the store mobile terminal device to have reading means, the system uses the customer's own mobile terminal to read the displayed payment information, thereby enabling electronic settlement without adding complexity to the store device
Solution Approach 2:
The patent displays payment information (such as QR codes or barcodes) on the store mobile terminal device screen, which is essentially a visual copy of the payment data. The customer mobile terminal then reads this visual copy to complete the electronic settlement process, eliminating the need for physical reading means in the store device
2Ease of operation
If the store mobile terminal device outputs payment information in a readable format, then the ease of operation for electronic settlement is improved, but the device complexity increases due to additional output functions
Solution Approach 1:
The store mobile terminal device utilizes its existing display function (originally designed for showing product information) to also display payment information in readable formats such as QR codes or barcodes. This multi-functional use of the display component enables electronic settlement without requiring dedicated output hardware
Solution Approach 2:
The payment information is converted into visual representations (QR codes, barcodes) that can be displayed on the screen. These visual copies can be read by standard mobile terminal cameras or scanning functions, enabling easy operation while using only the device's existing display capabilities
Data Source
AI summary
An acquisition unit acquires product information about a product that is purchased by a customer in accordance with the customer's or a store clerk's operation. An output unit outputs settlement information based on the product information such that the settlement information can be read by the customer's mobile terminal device. The customer's mobile terminal device then reads the settlement information from a store mobile terminal device, and uses the customer's payment information and the read settlement information to make an electronic payment via a payment server.