Credit Voucher Payment Flow With Channel Binding at Checkout
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Solution Overview
Problem
Existing payment systems lack effective methods to recommend credit vouchers to users during the payment process, affecting user payment decisions.
Innovation Solution
A credit voucher-based payment method and apparatus that integrates credit voucher application, activation, and binding into the payment process, utilizing a server to generate and display payment channel lists with voucher application identifiers, enabling seamless integration and immediate use of credit vouchers for order payments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If traditional payment channel lists are displayed without credit voucher recommendations, then the payment process is simple, but credit voucher utilization rate is low
Solution Approach 1:
The system performs preliminary actions by pre-generating credit voucher recommendations and pre-integrating them into the payment channel list before the user reaches the payment decision stage. The server proactively pushes voucher information to the terminal, which then displays it alongside payment channels, eliminating the need for separate voucher application steps and enabling immediate usage during checkout.
Solution Approach 2:
The patent merges the credit voucher recommendation function with the existing payment channel display interface. Instead of treating voucher promotion as a separate process, the system combines voucher information display, payment channel display, and transaction processing into a unified payment interface, allowing users to complete both voucher application and payment within the same workflow.
2Productivity
If credit voucher application and activation are separated from the payment process, then each function can be optimized independently, but the overall payment efficiency decreases
Solution Approach 1:
The system merges credit voucher application, activation, and payment processing into a single integrated workflow. The terminal displays payment channels and voucher recommendations together, and when the user selects a voucher for payment, the system automatically completes the application and activation processes in the background, eliminating multiple separate user actions and significantly improving payment efficiency.
Solution Approach 2:
The system implements self-service by automatically handling voucher application and activation processes without requiring separate user interventions. Once the user expresses intent to use a voucher during payment, the terminal system autonomously completes the necessary backend processes with the server, reducing operational complexity while maintaining user control over the payment decision.
3Productivity
If credit voucher recommendations are integrated into the payment interface, then voucher promotion effectiveness increases, but the interface complexity increases
Solution Approach 1:
The payment channel list interface is designed with multi-functionality, serving both as a traditional payment method display and as a credit voucher recommendation interface. The same display components and interaction mechanisms are used for both purposes, eliminating the need for separate voucher promotion interfaces and maintaining interface simplicity while achieving effective voucher promotion.
Solution Approach 2:
The system uses the existing payment channel list display structure as a template for displaying voucher information. By copying the familiar payment interface layout and interaction patterns, the system makes voucher recommendations feel natural and intuitive to users, avoiding the learning curve associated with new interface paradigms while effectively promoting voucher usage.
Data Source
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AI summary
Implementations of the present specification provide a credit voucher-based payment method and apparatus. A credit voucher-based payment method includes: In an order payment process, on the basis that a first payment channel list that is generated for order information, that includes an application identifier of a credit voucher application, and that is delivered by a server is received and displayed, a jump to a credit voucher subprogram is made based on a payment request associated with the application identifier, to perform the credit voucher application and a credit voucher activation in the credit voucher subprogram, and perform payment channel binding on an activated credit voucher by using the server; and order payment is performed based on the credit voucher, based on a second payment channel list that includes the credit voucher and that is delivered by the server, and by submitting a payment instruction with the credit voucher to the server. As such, the credit voucher application and the credit voucher activation in the order payment process are implemented.