Transaction History-Based Unm chatting Service for Post-Payment Automation
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Solution Overview
Problem
Existing mobile payment services face challenges in providing convenient post-payment services, such as refunds and exchanges, as they often require manual processing and lack efficient automated response systems, leading to inconvenience for users.
Innovation Solution
An electronic device method and apparatus that displays payment history, allows users to select post-payment services, and connects to unmanned chatting services for processing services like refunds and exchanges, automatically identifying seller information and simplifying the process through user-friendly interfaces.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual processing is used for post-payment services, then service flexibility is maintained, but user convenience deteriorates due to inconvenience in requesting and processing services
Solution Approach 1:
The system enables users to independently request and process post-payment services (refunds, exchanges, cancellations) through automated chatbot interactions on their own devices, eliminating the need for manual customer service intervention while maintaining service flexibility through programmable response logic
Solution Approach 2:
An automated chatbot system acts as an intermediary between users and the payment service provider's backend systems, handling service requests through natural language processing and automatically routing them to appropriate processing workflows without requiring direct human agent involvement
2Productivity
If automated response services (ARS) are implemented, then processing efficiency is improved, but user convenience deteriorates due to difficulty and complexity in connecting to the service
Solution Approach 1:
The traditional mechanical phone-based ARS system is replaced with an intelligent chatbot interface that processes natural language text inputs, enabling more intuitive and flexible automated responses while maintaining high processing efficiency through programmable decision trees and integration with backend payment systems
Solution Approach 2:
The chatbot platform serves multiple functions including service request initiation, information gathering, workflow routing, and status notification, consolidating what would otherwise require multiple separate systems into a single universal interface that improves both efficiency and accessibility
3Reliability
If post-payment services are processed through seller sites, then service accuracy is improved, but user convenience deteriorates due to the need to navigate to external sites and manually request services
Solution Approach 1:
The system merges the service request functionality directly into the user's mobile payment application, combining the benefits of accurate seller-specific processing with the convenience of a unified user interface, eliminating the need to navigate to external seller sites while maintaining reliable service delivery through automated backend integration
Data Source
AI summary
The present invention provides a transaction history-based unmanned chatting service, and an operation method of an electronic device comprises the steps of: displaying at least one payment history; displaying a post-payment service list with respect to a payment history, which is selected by a user input, among at least one of payment histories; and connecting an unmanned chatting service corresponding to the post-payment service, which is selected by the user, in the service list.