Wallet Server Group Payment Allocation
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Solution Overview
Problem
Existing wallet systems struggle to collect information on individual consumption behaviors when one user makes a payment for a group for an item or service, as they lack the capability to accurately allocate and track payments among group members.
Innovation Solution
A wallet server and system that acquires user information from terminals, generates group information, and calculates consumption information for each user terminal by associating payment processing data with user-specific information, using location or barcode information to identify group members and allocate payments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If one user makes a payment for a group, then payment processing is simplified, but individual consumption behavior information cannot be collected
Solution Approach 1:
The patent segments the group payment into individual consumption records by associating each user terminal with consumption information. Even though one user makes the payment, the system creates separate consumption records for each group member by linking user terminal information with payment data, thus segmenting the collective payment into individual-level information for analysis.
Solution Approach 2:
The patent introduces user terminal information as an intermediary between the payment processing and individual consumption tracking. The user terminal acts as a mediator that links the payment transaction to specific individuals, enabling the system to track who consumed what without requiring each person to make their own payment.
2Device complexity
If group payment is processed as a single transaction, then payment processing is simplified, but consumption information for individual users is lost
Solution Approach 1:
The patent segments the single group payment transaction into multiple individual consumption records. By processing the payment at the group level but then dividing the consumption information by individual user terminals, the system maintains simple payment processing while recovering detailed individual consumption data for analysis.
Solution Approach 2:
The patent adds a new dimension of analysis by associating user terminal information with payment transactions. This dimensional expansion allows the system to transition from tracking only the total group payment amount to tracking individual consumption patterns, adding a user-level dimension to the payment data.
3Loss of information
If payment data is associated with user terminals, then individual consumption tracking is enabled, but data processing complexity increases
Solution Approach 1:
The patent performs preliminary actions by pre-establishing associations between user terminals and consumption records. The system prepares consumption information structures in advance and links them to user terminal identifiers, so that when payment data arrives, it can be directly associated with individual users without complex real-time processing.
Data Source
AI summary
A wallet server includes a processor with hardware. The processor is configured to acquire user information of user terminals carried by users who use a store, and configured to perform payment processing, and to generate group information when payment processing is performed by using a first user terminal. The group information is user information of the first user terminal and a second user terminal. The processor is configured to generate, from information on the payment processing and the group information, consumption information associated with each of the user terminals in a group.