Unified Information Transmission Server for Mobile Payment
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Solution Overview
Problem
The existing systems for mobile terminals face challenges in efficiently transmitting payment and member information to merchant terminals due to the lack of a unified interface, leading to user confusion and increased complexity for offline merchants as each payment service provider uses different hardware and software methods.
Innovation Solution
A method and system where an information transmission server receives a payload and destination terminal ID from a mobile terminal, determines the destination terminal, generates an instruction for a forwarding program, and transmits it along with the payload, allowing for unified and efficient information transmission regardless of the service provider.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If each payment service provider independently establishes a hardware interface for payment, then each provider can implement its own payment method, but user confusion and inconvenience increase
Solution Approach 1:
The patent introduces an information transmission server as an intermediary between the mobile terminal and various destination terminals. The server receives payment information from the mobile terminal, determines the appropriate destination terminal, generates forwarding instructions, and transmits the information accordingly. This intermediary layer unifies the interface for users while maintaining the ability to support multiple payment methods and destination terminals, thereby resolving the contradiction between payment diversity and user convenience.
2Adaptability or versatility
If each payment service provider provides different hardware readers, then each provider can read payment information uniquely, but device complexity for merchants increases
Solution Approach 1:
The patent implements a universal information transmission server that can handle multiple types of payment information and communicate with various destination terminals through a single unified interface. The server generates appropriate forwarding instructions for different payment methods (NFC, MST, QR code, barcode) and transmits them to the corresponding destination terminals. This multi-functional approach allows merchants to use a single terminal type while supporting diverse payment methods, thereby reducing device complexity while maintaining payment interface variety.
3Adaptability or versatility
If new payment service providers add new hardware and software, then new payment methods can be supported, but system complexity and training requirements increase
Solution Approach 1:
The patent implements a dynamic system where the information transmission server can adapt to new payment service providers and destination terminals without requiring changes to the core system architecture. When a new payment provider enters the market, the server can be configured to recognize new destination terminal types and generate appropriate forwarding instructions dynamically. This dynamic adaptability allows the system to expand payment services while maintaining manageable complexity, as the server automatically handles the integration of new providers through configurable parameters rather than requiring hardware or software modifications.
Data Source
AI summary
The present invention provides a method for transmitting information using a mobile terminal, comprising: receiving, by an information transmission server, a payload and a destination terminal ID from the mobile terminal; determining, by the information transmission server, a destination terminal to which the payload is to be transmitted, using the destination terminal ID; generating, by the information transmission server, an instruction to be executed by a forwarding program which is installed at a destination terminal; and transmitting, by the information transmission server, the instruction and the payload to the forwarding program. The method according to the present invention has an advantage that when information stored in a user's mobile terminal needs to be transmitted to a certain destination terminal, such information can be transmitted effectively and efficiently through a unified and integrated system regardless of types of applications provided by various service providers.