Digital Wallet Payment Solution Cross-Combining Preferences
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Solution Overview
Problem
Existing digital wallet transaction methods fail to identify the most preferential payment solution when multiple valid preference information types are available, leading to potential economic losses for users.
Innovation Solution
A digital wallet-based transaction method that crosswise combines multiple types of valid preference information from multiple target objects to generate payment solutions, including the smallest payment amount options under different conditions such as cash, credit card, VIP card, and bonus points, ensuring users select the most economical option.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple types of valid preference information are displayed separately corresponding to different target objects, then the user can see various payment options, but the most preferential payment solution may not be identified leading to potential economic loss
Solution Approach 1:
The patent combines multiple types of valid preference information from different target objects through crosswise combination to generate comprehensive payment solutions. Instead of displaying preferences separately, the system merges them to identify the most preferential payment solution that considers all applicable preferences across multiple objects, thereby resolving the contradiction between providing versatile options and accurately identifying the best solution.
2Measurement precision
If crosswise combination of multiple types of valid preference information is performed, then the most preferential payment solution can be identified, but the calculation complexity increases
Solution Approach 1:
The patent segments the complex calculation process into distinct steps: first acquiring valid preference information for each target object separately, then performing crosswise combination in a structured manner, and finally generating payment solutions in an organized sequence. This segmentation of the calculation process reduces system complexity by breaking down the overall complex task into manageable sub-tasks that can be processed systematically.
Solution Approach 2:
The patent performs preliminary actions by first acquiring and validating preference information for each target object before performing the crosswise combination. By preparing and organizing the preference data in advance, the system reduces the complexity of the subsequent combination and calculation steps, as the input data is already structured and validated.
3Adaptability or versatility
If crosswise combination of preference information is performed for multiple target objects, then comprehensive payment solutions are generated, but the processing time increases
Solution Approach 1:
The patent performs preliminary acquisition and validation of preference information for each target object before the crosswise combination step. By preparing the preference data in advance and organizing it systematically, the system reduces the time required for the actual combination and calculation process, thereby balancing comprehensiveness with processing efficiency.
Data Source
AI summary
The present disclosure discloses a digital wallet-based transaction method. The method includes acquiring sales information of a target object, acquiring at least one payment solution for the target object, where when there are at least two target objects, the at least one payment solution is obtained after multiple types of valid preference information of the at least two target objects are crosswise combined, and the valid preference information is preference information that can be used when the target object is paid for using an account in a digital wallet of a user, and displaying the acquired at least one payment solution. According to the present disclosure, a payment solution is generated by crosswise combining multiple types of valid preference information of at least two target objects, thereby obtaining a payment solution that better meets a user demand, which gives full consideration to user benefits and has strong practicability.