CN106980973B - Payment verification system and payment verification method - Google Patents
Payment verification system and payment verification method Download PDFInfo
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- CN106980973B CN106980973B CN201710085434.XA CN201710085434A CN106980973B CN 106980973 B CN106980973 B CN 106980973B CN 201710085434 A CN201710085434 A CN 201710085434A CN 106980973 B CN106980973 B CN 106980973B
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- 238000012795 verification Methods 0.000 title claims abstract description 40
- 238000000034 method Methods 0.000 title claims abstract description 17
- 238000010586 diagram Methods 0.000 description 6
- 230000006870 function Effects 0.000 description 2
- 230000002159 abnormal effect Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
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Abstract
The invention discloses a payment verification system and a payment verification method. The cash register device is used for scanning the bar code to generate transaction data. The host device is connected to the cash register device and used for receiving transaction data. The transaction management device is connected to the host device and used for receiving the transaction data transmitted by the host device and judging the validity of the transaction data. When the transaction management device judges that the transaction data is valid, the transaction management device transmits the transaction detail data to the host device so that the host device transmits the transaction detail data to the cash register device for display. When the transaction management device judges that the transaction data is invalid, the transaction management device transmits invalid information to the host device so that the host device transmits the invalid information to the cash register device for displaying.
Description
Technical Field
The invention relates to a payment verification technology, in particular to a payment verification system and a payment verification method.
Background
In modern life, people often receive regularly sent paper payment notices for applying for various services. However, during the period from the printing of the payment notice to the time when the people receive the payment notice, the wrong payment may occur due to the abnormal payment content and the payment via other pipelines.
In view of the above, how to design a new payment verification system and a new payment verification method to eliminate the above defects and shortcomings in the prior art is a subject to be urgently solved by related technical personnel in the industry.
Disclosure of Invention
The invention provides a payment verification system, which comprises a cash register, a host device and a transaction management device. The cash register device is used for scanning the bar code to generate transaction data. The host device is connected to the cash register device and used for receiving transaction data. The transaction management device is connected to the host device and used for receiving the transaction data transmitted by the host device and judging the validity of the transaction data. When the transaction management device judges that the transaction data is valid, the transaction management device transmits the transaction detail data to the host device so that the host device transmits the transaction detail data to the cash register device for display. When the transaction management device judges that the transaction data is invalid, the transaction management device transmits invalid information to the host device so that the host device transmits the invalid information to the cash register device for displaying.
In an embodiment of the invention, the cash register device is further configured to transmit payment completion information to the host device. The host device is also used for transmitting payment completion information to the transaction management device. The transaction management device is also used for recording the transaction result of the transaction data according to the payment completion information and transmitting the transaction result to the host device so that the host device transmits the transaction result to the cash register device for displaying.
In an embodiment of the invention, the transaction management device further includes a server and a core management unit. The server is connected to the host device and used for receiving the transaction data transmitted by the host device. The core management unit is used to determine the validity of the transaction data.
In one embodiment of the present invention, the barcode is generated by the application program through the mobile device.
In an embodiment of the present invention, data is transmitted between the host device and the transaction management device via a dedicated line of a Point of sale (POS) system.
The invention also provides a payment verification method, which comprises the following steps. The barcode is scanned through the checkout device to generate transaction data. And connecting to the cash register device through the host device and receiving the transaction data. The transaction management device receives the transaction data transmitted by the host device and determines the validity of the transaction data. Through the transaction management device, when the transaction data is judged to be valid, the transaction detail data is transmitted to the host device, so that the host device transmits the transaction detail data to the cash register device for display. Through the transaction management device, when the transaction data is judged to be invalid, invalid information is transmitted to the host device, so that the host device transmits the invalid information to the cash register device for displaying.
In an embodiment of the present invention, the payment completion information is transmitted to the host device through the cash register device. The payment completion information is transmitted to the transaction management device through the host device. The transaction management device records the transaction result of the transaction data according to the payment completion information and transmits the transaction result to the host device so that the host device transmits the transaction result to the cash register device for displaying.
In an embodiment of the invention, the transaction management device further includes a server and a core management unit. The payment verification method further comprises the following steps. The server is connected to the host device and receives the transaction data transmitted by the host device. The validity of the transaction data is determined through the core management unit.
In one embodiment of the present invention, the barcode is generated by the application program through the mobile device.
In summary, the present invention can query whether the transaction data is valid in real time when the user pays the fee by the supermerchant, so as to avoid the occurrence of the wrong fee payment. After the payment is finished, the transaction result in the transaction management device of the payment unit end can also be recorded in real time, and the transaction result is returned to the host device of the supermarket end in the same format and then is transmitted to the cash register device, so that a clerk can confirm the transaction result displayed by the cash register device and inform the user.
The above description will be described in detail by embodiments, and further explanation will be provided for the technical solution of the present invention.
Drawings
In order to make the aforementioned and other objects, features, and advantages of the invention, as well as others which will become apparent, reference is made to the following description taken in conjunction with the accompanying drawings in which:
fig. 1 is a schematic diagram of a payment verification system according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a payment verification system according to an embodiment of the present invention;
FIG. 3 is a flow chart of a payment verification method according to an embodiment of the present invention;
fig. 4A to 4D are schematic diagrams of application programs according to an embodiment of the present invention.
The main illustration is:
100: payment verification system
110: cash register
120: host device
130: transaction management device
200: payment verification system
230: transaction management device
231: server
232: core management unit
240: mobile device
300: payment verification method
S302 to S312: step (ii) of
Detailed Description
The following presents a number of different embodiments or illustrations for implementing features of the invention. The present invention may repeat reference numerals and/or letters in the various examples, which repeat reference numerals and/or letters in the various figures are used for simplicity and clarity of illustration and do not in themselves dictate a relationship between the various embodiments and/or configurations discussed below.
In the description and claims, the terms "a" and "an" can be used broadly to refer to a single or to a plurality of elements, unless the context specifically states the article. It will be further understood that the terms "comprises," "comprising," "includes," "including," "has," "having," and similar language, when used herein, specify the presence of stated features, regions, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, regions, integers, steps, operations, elements, components, and/or groups thereof.
Fig. 1 is a schematic diagram of a payment verification system 100 according to an embodiment of the present invention. The payment verification system 100 includes a cash register 110, a host device 120 and a transaction management device 130. The host device 120 is connected to the cash register 110, and the transaction management device 130 is connected to the host device 120.
To facilitate the description of the payment verification system 100 of the present invention, the following description is given by way of example. When the user wants to pay by a supermarket, the user presents a bar code for paying to the shop assistant (for example, through a bill of paper, through a screen of a mobile device, etc.). The clerk then uses the scanner of the checkout device 110 to scan the barcode provided by the user to generate transaction data regarding the fee. Next, the cash register device 110 transmits the generated transaction data to the host device 120 located in the superordinate central office. The host device 120 then transmits the transaction data to the transaction management device 130 of the payment unit for querying the payment status. The transaction management device 130 is used for receiving the transaction data transmitted by the host device 120 and determining validity of the transaction data (e.g., whether payment is completed or not, whether payment amount is correct, etc.).
When the transaction management device 130 determines that the transaction data is valid (e.g., not paid), the transaction management device 130 transmits transaction detail data (e.g., total payment amount) to the host device 120. The host device 120 then transmits the transaction details to the cashier device 110 operated by the clerk for display. Therefore, the user can know that the bill to be paid is not finished paying in real time, and can continue to pay.
On the contrary, when the transaction management device 130 determines that the transaction data is invalid (e.g. payment is completed), the transaction management device 130 transmits invalid information (e.g. non-chargeable information) to the host device 120. The host device 120 then transmits the invalid information to the cashier device 110 for display. Therefore, the store clerk can inform the user of the bill to be paid in real time without paying, thereby effectively avoiding the occurrence of wrong payment.
In one embodiment, the host device 120 and the transaction management device 130 of the payment unit transmit data via a special line of a Point of sale (POS) system.
Further, when the user completes the payment, the clerk can operate the cash register device 110 to transmit payment completion information to the host device 120 (e.g., the main machine room of the supermarket). The host device 120 then transmits the payment completion information to the transaction management device 130 of the payment unit. The transaction management device 130 records the transaction result of the transaction data (i.e. performs the account cancellation) according to the payment completion information, and transmits the transaction result of the transaction data to the host device 120. Then, the host device 120 transmits the transaction result to the cash register device 110 for display. Therefore, the clerk can inform the user that the payment is completed, that is, the user can confirm that the transaction is completed in real time.
For explaining the transaction management device of the payment unit, please refer to fig. 2. Fig. 2 is a schematic diagram of a payment verification system 200 according to an embodiment of the present invention. The payment verification system 200 is substantially the same as the payment verification system 100 except that the transaction management device 230 includes a server 231 and a core management unit 232. The server 231 is connected to the host device 120 located at the supermarket terminal main room, and the server 231 is connected (e.g. via an intranet) to the core management unit 232 (e.g. the core system of the payment unit). For example, the core management unit 232 records the service application data and the related payment data of the user.
As described above, the user presents the barcode for payment to the clerk (e.g., through the bill payment form, through the screen of the mobile device 240, etc.), and the clerk scans the barcode provided by the user with the scanner of the cash register 110 to generate the transaction data related to the payment. Next, the cash register device 110 transmits the generated transaction data to the host device 120 located in the superordinate central office. The host device 120 then transmits the transaction data to the transaction management device 230 of the payment unit for querying the payment status.
Specifically, the server 231 of the transaction management device 230 is configured to receive the transaction data transmitted by the host device 120 and transmit the transaction data to the core management unit 232 (e.g., via an intranet). The core management unit 232 is configured to determine validity of the transaction data (e.g., whether payment is completed), and send back transaction detail data (e.g., total payment amount) or invalid information (e.g., non-chargeable information) to the server 231 in the same format of the transaction data. Then, after determining the validity of the transaction data, the server 231 may correspondingly transmit the transaction detail data (e.g. total amount paid) or the invalid information (e.g. information that can not be paid) to the host device 120 of the supermarket main machine room, and the host device 120 transmits the transaction detail data (e.g. total amount paid) or the invalid information (e.g. information that can not be paid) to the cash register 110 of the retail department. Therefore, the user can know the payment condition of the bill in real time.
In one embodiment, the data is transmitted between the host device 120 of the main machine room of the supermarket and the server 231 of the transaction management device 230 of the payment unit through a special line of a point of sale information (POS) system.
Further, in the case where the user displays the barcode using the screen of the mobile device 240 (e.g., a mobile phone, a tablet computer, etc.), the barcode may be generated via an application installed on the mobile device 240. Therefore, even if there is no bill for paying the bill, the user can pay the bill directly by displaying the bar code through the portable mobile device 240 without specially carrying the bill for paying the bill.
Fig. 3 is a flowchart of a payment verification method 300 according to an embodiment of the present invention. The payment verification method 300 has a plurality of steps S302 to S312, which can be applied to the payment verification systems 100 and 200 shown in fig. 1 and 2. However, it should be understood by those skilled in the art that the steps mentioned in the above embodiments, except for the specific order mentioned, can be performed simultaneously or partially simultaneously according to the actual requirement. The specific implementation is as described above, and will not be repeated here.
In step S302, the barcode is scanned by the cash register device to generate transaction data.
In step S304, the transaction data is received by connecting to the cash register device through the host device.
In step S306, the transaction data transmitted by the host device is received through the transaction management device, and in step S308, it is determined whether the transaction data is valid.
If the transaction data is valid, in step S310, the transaction detail data is transmitted to the host device through the transaction management device, so that the host device transmits the transaction detail data to the cash register device for displaying.
If the transaction data is invalid, in step S312, the transaction management device transmits invalid information to the host device so that the host device transmits the invalid information to the cash register device for displaying.
In a usage scenario, a user generates a barcode for paying a fee by using an application, and fig. 4A to 4D are schematic diagrams of the application according to an embodiment of the present invention. When the user logs in with the application, the mobile counter function may be selected, and the user may click on the payment service function, as shown in fig. 4A. Thus, the user can select the policy to be paid, as shown in FIG. 4B. The application program displays the amount of the premiums to be paid, the user can click on the amount block to display the detailed amount of the premiums, and the user can click on the content confirmation button after confirming that the detailed content is correct, as shown in fig. 4C. The application program displays the notice of the payment bar code, and after the user confirms the notice, the application program displays a bar code picture of the payment, so that the user can show the bar code to a reseller to pay, as shown in fig. 4D.
In summary, the present invention can query whether the transaction data is valid in real time when the user pays the fee by the supermerchant, so as to avoid the occurrence of the wrong fee payment. After the payment is finished, the transaction result in the transaction management device of the payment unit end can also be recorded in real time, and the transaction result is returned to the host device of the supermarket end in the same format and then is transmitted to the cash register device, so that a clerk can confirm the transaction result displayed by the cash register device and inform the user.
Although the present invention has been described with reference to the above embodiments, it should be understood that various changes and modifications can be made by one skilled in the art without departing from the spirit and scope of the invention.
Claims (10)
1. A payment verification system, comprising:
the cash register device is used for scanning a bar code to generate transaction data;
a host device connected to the cash register device and used for receiving the transaction data, wherein the host device is located in a main machine room of a super business end; and
the transaction management device is connected to the host device and used for receiving the transaction data transmitted by the host device and judging the validity of the transaction data, wherein when the transaction management device judges that the transaction data is valid, the transaction management device transmits transaction detail data to the host device so that the host device transmits the transaction detail data to the cash register device for display; when the transaction management device judges that the transaction data is invalid, the transaction management device transmits invalid information to the host device so that the host device transmits the invalid information to the cash register device for displaying;
the transaction management device is positioned at a payment unit end, and the host device of the main machine room of the supermarket end and the transaction management device of the payment unit end transmit data through a special line of a point-of-sale information (POS) system.
2. The payment verification system as claimed in claim 1, wherein the cash register device is further configured to transmit a payment completion message to the host device, the host device is further configured to transmit the payment completion message to the transaction management device, the transaction management device is further configured to record a transaction result of the transaction data according to the payment completion message and transmit the transaction result to the host device so that the host device transmits the transaction result to the cash register device for display.
3. The payment verification system of claim 1, wherein the transaction management device further comprises:
a server connected to the host device for receiving the transaction data transmitted by the host device; and
a core management unit for determining validity of the transaction data.
4. The payment verification system of claim 1, wherein the barcode is generated by an application program via a mobile device.
5. The payment verification system of claim 1, wherein the host device and the transaction management device transmit data via a dedicated line of a point-of-sale information system.
6. A payment verification method is characterized by comprising the following steps:
scanning a bar code through a cash register device to generate transaction data;
connecting to the cash register device through a host device and receiving the transaction data, wherein the host device is positioned in a main machine room of a super business end;
receiving the transaction data transmitted by the host device and judging the validity of the transaction data through a transaction management device;
through the transaction management device, when the transaction data is judged to be valid, transmitting transaction detail data to the host device so that the host device transmits the transaction detail data to the cash register device for display; and
when the transaction data is judged to be invalid through the transaction management device, invalid information is transmitted to the host device so that the host device transmits the invalid information to the cash register device for displaying;
the transaction management device is positioned at a payment unit end, and the host device of the main machine room of the supermarket end and the transaction management device of the payment unit end transmit data through a special line of a point-of-sale information (POS) system.
7. The payment verification method of claim 6, further comprising:
transmitting a payment completion message to the host device through the cash register device;
transmitting the payment completion information to the transaction management device through the host device;
through the transaction management device, a transaction result of the transaction data is recorded according to the payment completion information and is transmitted to the host device so that the host device transmits the transaction result to the cash register device for display.
8. The payment verification method of claim 6, wherein the transaction management device further comprises a server and a core management unit, the payment verification method further comprising:
connecting to the host device through the server and receiving the transaction data transmitted by the host device; and
the validity of the transaction data is determined through the core management unit.
9. The payment verification method of claim 6, further comprising: the bar code is generated by an application program through a mobile device.
10. The payment verification method of claim 6, wherein the host device and the transaction management device transmit data via a dedicated line of a point-of-sale intelligence system.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW105207267 | 2016-05-18 | ||
| TW105207267U TWM531009U (en) | 2016-05-18 | 2016-05-18 | Payment verification system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106980973A CN106980973A (en) | 2017-07-25 |
| CN106980973B true CN106980973B (en) | 2021-03-26 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710085434.XA Active CN106980973B (en) | 2016-05-18 | 2017-02-17 | Payment verification system and payment verification method |
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| Country | Link |
|---|---|
| CN (1) | CN106980973B (en) |
| TW (1) | TWM531009U (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI635448B (en) * | 2017-05-05 | 2018-09-11 | 兆豐國際商業銀行股份有限公司 | Payment system and payment method |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI395158B (en) * | 2009-01-14 | 2013-05-01 | Quadsun Technology Co Ltd | Automatic teller apparatus and control method thereof |
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- 2016-05-18 TW TW105207267U patent/TWM531009U/en unknown
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- 2017-02-17 CN CN201710085434.XA patent/CN106980973B/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| CN106980973A (en) | 2017-07-25 |
| TWM531009U (en) | 2016-10-21 |
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