Universal Payment App for Cross-Platform Code Recognition
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Solution Overview
Problem
Consumers and merchants face complications in using mobile payments due to the need to install multiple mobile payment applications and obtain corresponding accounts for various platforms, such as Apple Pay, Google Pay, and others, which is cumbersome and inefficient.
Innovation Solution
A universal payment application that can recognize and process non-agreed payment codes, including QR codes, allowing mobile payments across different platforms without prior agreements, using a single application by providing payment interfaces with links for universal, agreed, or financial transaction triggers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If consumers install multiple mobile payment applications for different platforms, then mobile payment compatibility is improved, but device complexity and ease of operation deteriorate
Solution Approach 1:
The patent implements a universal payment code recognition mechanism that enables a single mobile payment application to scan and process payment codes from multiple different payment platforms (e.g., Alipay, WeChat Pay, PayPal). The system achieves this by incorporating a platform-agnostic code scanning module that can interpret various payment code formats without requiring separate dedicated applications for each platform, thus providing multi-functionality through a unified interface.
Solution Approach 2:
The patent segments the payment processing functionality into distinct modular components: a universal code scanning module that handles multiple code types, a payment platform identification module that recognizes the source platform, and a transaction execution module that processes the payment through the appropriate channel. This segmentation allows the single application to handle diverse payment platforms independently while maintaining a unified user interface, reducing the need for multiple separate applications.
2Adaptability or versatility
If consumers apply for multiple accounts on different payment platforms, then payment functionality is improved, but ease of operation deteriorates
Solution Approach 1:
The patent merges multiple payment platform account management functions into a single unified account system. The universal payment application maintains one integrated user account that can access and process payments across multiple platforms through the unified code scanning interface. This eliminates the need for users to separately register and manage accounts on each payment platform, as the single unified account can initiate payments to any platform through the universal code recognition capability.
3Adaptability or versatility
If stores provide multiple payment codes for different platforms, then payment compatibility is improved, but device complexity and ease of operation deteriorate
Solution Approach 1:
The patent enables stores to display a single universal payment code that can be scanned by the universal payment application on consumers' devices. This universal code contains embedded information that allows the consumer's application to automatically identify the payment platform and process the transaction appropriately. The store's system generates and displays one unified code rather than multiple separate codes for different platforms, achieving multi-platform compatibility through a single code interface.
Data Source
AI summary
A mobile payment method, which includes steps of: starting a universal payment application; retrieving a mobile payment code, wherein the mobile payment code is a non-agreed payment code, and the non-agreed payment code is generated not corresponding to the universal payment application, and is not recognizable by the universal payment application; and the universal payment application providing a payment interface based on the retrieved mobile payment code. When the mobile payment code is the non-agreed payment code, the payment interface at least includes a financial transaction trigger link and/or a universal payment link. A mobile payment system applying the mobile payment method is also provided.