Wallet System Supporting Multiple Settlement Methods
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Solution Overview
Problem
Current wallet systems are limited to a single settlement method, failing to accommodate multiple payment options, which restricts user convenience.
Innovation Solution
A wallet system that allows registration and use of multiple payment methods, enabling reloading and settlement through various payment and settlement methods, including electronic money, bank accounts, and credit cards, with a user terminal and server configuration that facilitates seamless switching between different payment and settlement methods.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If a single settlement method is used in a wallet system, then the system structure remains simple, but user convenience and flexibility are reduced
Solution Approach 1:
The wallet system is designed to support multiple settlement methods (electronic money, credit cards, bank accounts) within a single unified platform. The terminal device can selectively use different settlement methods based on wallet balance and user preferences, making the system universally applicable to various payment scenarios without requiring separate systems for each payment type.
2Ease of operation
If multiple payment methods are registered for reloading, then user convenience is improved, but the complexity of managing different payment methods increases
Solution Approach 1:
The system automatically manages multiple registered payment methods through self-service mechanisms. When the wallet balance is insufficient, the terminal automatically selects an appropriate settlement method from the registered options without requiring manual user intervention. The system handles the complexity of managing multiple payment methods internally while presenting a simple interface to the user.
3Productivity
If automatic selection of settlement method based on wallet balance is implemented, then transaction efficiency is improved, but the complexity of selection logic increases
Solution Approach 1:
The system performs preliminary actions by pre-registering multiple settlement methods and pre-establishing selection criteria before transactions occur. The terminal stores information about available settlement methods and their associated conditions (such as minimum balance requirements). During actual transactions, the pre-configured selection logic automatically determines the appropriate method based on current wallet balance, eliminating the need for complex real-time decision-making.
Data Source
AI summary
A wallet system includes a terminal having a first processor and the first server having a second processor. The first processor is configured to transmit a reloading method registration request to a first server, transmit a reloading request to the first server, and transmit a settlement request to the first server via a terminal of a settlement recipient. The second processor is configured to register a payment method as the reloading method, increase a balance of electronic money in the wallet based on reloading amount information included in the reloading request, and reduce the balance of electronic money in the wallet based on settlement amount information included in the settlement request. The payment method is included in the reloading method registration request.