CN113095804A

CN113095804A - Electronic device, method, and computer-readable recording medium for payment distribution for electronic transactions

Info

Publication number: CN113095804A
Application number: CN202010022051.XA
Authority: CN
Inventors: 吴肇中; 何少华
Original assignee: Line Corp
Current assignee: Aiwanwai Co ltd
Priority date: 2020-01-09
Filing date: 2020-01-09
Publication date: 2021-07-09
Also published as: KR20210090074A

Abstract

An electronic device, a method, and a computer-readable recording medium for payment distribution for electronic transactions. The electronic device is used for: generating one-time payment information after completing the first electronic transaction with the server based on the payment sum, wherein the one-time payment information is associated with at least a portion of the payment sum; providing one-time payment information associated with at least a portion of the payment sum to another electronic device, causing the other electronic device to complete a second electronic transaction with the server based on the at least a portion of the payment sum, wherein the identification code of the other electronic device is not associated with the electronic device; after the other electronic device completes the second electronic transaction with the server, the confirmation information is received from the server.

Description

Electronic device, method, and computer-readable recording medium for payment distribution for electronic transactions

Technical Field

The present invention relates to an electronic device, a method and a computer-readable recording medium for payment distribution for electronic transactions, and more particularly, to an electronic device, a method and a computer-readable recording medium for payment distribution for electronic transactions that maintain private information.

Background

Electronic transactions using electronic devices are now a frequently used technique. In particular, the user can complete electronic transactions (such as payment or money transfer) with the shop or the individual through the mobile payment software installed on the electronic device, so that the use of cash can be avoided, and the convenience of the transactions is improved.

In the prior art, after a user completes an electronic transaction with a store or a person, if the user wants to perform an operation of allocating the amount of money to other users through an electronic device, the user must exchange privacy information with respect to the electronic device of the user who has not yet generated an association, and then perform a subsequent operation.

Disclosure of Invention

In view of the above, an object of the present invention is to provide an electronic device, a method and a computer-readable recording medium for payment distribution for electronic transactions that maintain private information.

The invention provides a payment distribution method for electronic transaction of an electronic device, which comprises the following steps: generating one-time payment information after completing the first electronic transaction with the server based on the payment sum, wherein the one-time payment information is associated with at least a portion of the payment sum; providing one-time payment information associated with at least a portion of the payment total to another electronic device, causing the other electronic device to complete a second electronic transaction with the server based on the at least a portion of the payment total, wherein the identification code of the other electronic device is not associated with the electronic device; and receiving confirmation information from the server after the other electronic device completes the second electronic transaction with the server.

In some embodiments, the first electronic transaction corresponds to a transfer of the electronic device to a store terminal, and the second electronic transaction corresponds to a transfer of another electronic device to the electronic device.

In some embodiments, the method further comprises: establishing a disposable group with a group identification code; and displaying the user interface to provide the group identification code to the other electronic device, so that the other electronic device is added into the disposable group according to the group identification code.

In some embodiments, the method further comprises: displaying another user interface; and receiving user input through another user interface to set at least a portion of the payment total.

In some embodiments, the method further comprises: another user input is received through another user interface to associate at least a portion of the payment sum with the temporary identification of the other electronic device.

In some embodiments, the step of displaying the user interface to provide the group identifier further comprises: displaying a user interface with a Quick Response (QR) code associated with the disposable group to another electronic device, causing the other electronic device to scan the QR code to join the disposable group.

In some embodiments, the step of displaying the user interface to provide the group identifier further comprises: displaying a user interface; and receiving user input through the user interface to start the communication module to directly provide the group identification code to the other electronic device, so that the other electronic device can join the disposable group according to the group identification code.

In some embodiments, the communication module includes a bluetooth module, a direct Wi-Fi module, or a near field communication module.

The invention additionally provides an electronic device for payment distribution for electronic transactions, comprising: a communication module and at least one processor. The at least one processor is configured to execute computer readable instructions stored in the memory to: generating one-time payment information after the first electronic transaction is completed with the server through the communication module based on the total payment amount, wherein the one-time payment information is associated with at least one part of the total payment amount; providing one-time payment information associated with at least a portion of the payment total to another electronic device, causing the other electronic device to complete a second electronic transaction with the server based on the at least a portion of the payment total, wherein the identification code of the other electronic device is not associated with the electronic device; and receiving confirmation information from the server after the other electronic device completes the second electronic transaction with the server.

The present invention further provides a computer readable recording medium for payment distribution for electronic transactions having a plurality of executable program instructions which, when loaded into an electronic device, cause the electronic device to perform the steps of the aforementioned method.

Drawings

Aspects of the invention are best understood from the following detailed description when read with the accompanying drawing figures. It should be noted that the various features may not be drawn to scale. In fact, the dimensions of the various features may be arbitrarily increased or reduced for clarity of discussion.

FIG. 1 is a schematic diagram of a network environment in accordance with some embodiments of the invention.

Fig. 2 is a block diagram of an electronic device and a server according to some embodiments of the invention.

FIG. 3 is a block diagram of structural elements or modules that may be included in a processor of an electronic device according to some embodiments of the present invention.

Fig. 4 is a flowchart of a payment allocation method of an electronic device according to some embodiments of the invention.

Fig. 5-6 are schematic diagrams of an electronic transaction application program interface according to some embodiments of the invention.

Fig. 7A-7B are schematic diagrams of an electronic transaction application program interface according to some embodiments of the invention.

Fig. 8A-8B are schematic diagrams of an electronic transaction application program interface according to some embodiments of the invention.

Fig. 9A-9B are schematic diagrams of an electronic transaction application program interface according to some embodiments of the invention.

Fig. 10-13 are schematic diagrams of an electronic transaction application program interface according to some embodiments of the invention.

Detailed Description

Embodiments of the invention are discussed in more detail below. It should be appreciated, however, that the present invention provides many applicable concepts that can be embodied in a wide variety of specific contexts. The particular embodiments discussed are merely illustrative and do not limit the scope of the invention.

In the prior art, after a user completes an electronic transaction with a store or a personal terminal device through an electronic device, when the user wants to perform a payment allocation operation with another user through the electronic device to the amount of money to be paid, if the other user owns an electronic device that has not been associated, the user must first exchange privacy information with respect to the electronic device that has not been associated (for example, exchange the user's privacy information in an instant messaging application having an electronic transaction function), so as to perform subsequent operations. Accordingly, the present invention provides an electronic device, a method, and a computer-readable recording medium for payment distribution for electronic transactions that can maintain private information, which can accomplish payment distribution without the step of exchanging private information.

FIG. 1 is a schematic diagram of a network environment in accordance with some embodiments of the invention. In detail, the network environment shown in fig. 1 includes: a plurality of

electronic devices

10, 11, 12, at least one server 20, and a network 30 connecting the

electronic devices

10, 11, 12 and the server 20. It should be noted that fig. 1 is an illustration of a network environment of the present invention, but the number of electronic devices or the number of servers is not limited to the number shown in fig. 1.

The

electronic devices

10, 11, 12 may be fixed terminal devices or mobile terminal devices implemented by a computer system. Specifically, the

electronic devices

10, 11, 12 may be smart phones (smart phones), mobile phones, navigation devices, computers, notebook computers, tablet computers, Personal Digital Assistants (PDAs), Portable Multimedia Players (PMPs), game machines (game consoles), wearable devices (wearable devices), Internet of Things (IoT) devices, Virtual Reality (VR) devices, Augmented Reality (AR) devices, and the like.

In some embodiments, as shown in fig. 1, the electronic device 10 is a smart phone, for example. In some embodiments, the electronic device 10 may be one of various computer systems that communicate with other electronic devices 11, 12 and/or the server 20 via the network 30 by substantially wireless communication or wired communication.

In some embodiments, the network 30 may include: personal Area Network (PAN), Local Area Network (LAN), Campus Area Network (CAN), Metropolitan Area Network (MAN), Wide Area Network (WAN), Broadband Network (BBN), and the internet.

In some embodiments, the network topology of the network 30 may include: at least one of a bus network, a star network, a ring network, a mesh network, a star bus network, a tree or a hierarchical (hierarchical) network, but is not intended to limit the implementation of the network 30. It should be noted that the Communication method is not limited, and besides the network 30 can be used for Communication, the electronic devices can also communicate with each other by Near-Field Communication (NFC) based on Bluetooth (Bluetooth) protocol, Direct Wi-Fi (Direct Wi-Fi) protocol, Near-Field Communication (Near-Field Communication) protocol, and other short-range wireless Communication methods.

The server 20 may be implemented by at least one computer device (e.g., a web server) and may communicate with the

electronic devices

10, 11, 12 via the network 30 to provide services such as instructions, program codes, files, contents, and the like. For example, the server 20 may be a system providing network services, and may provide the network services to the connected

electronic devices

10, 11, 12 through the network 30. More specifically, the

electronic devices

10, 11, 12 may be installed with applications (e.g., applications with instant messaging and electronic transaction functions, etc.) associated with the network services provided by the server 20, so that the server 20 can provide the network services (e.g., electronic transaction and instant message exchange) to the

electronic devices

10, 11, 12 through the applications running on the

electronic devices

10, 11, 12.

Fig. 2 is a block diagram of the internal structure of the electronic device and the server according to some embodiments of the invention. It should be noted that although fig. 2 only shows the internal structures of the electronic device 10 and the server 20, the other electronic devices 11 and 12 may have the same or similar internal structures as the electronic device 10.

In some embodiments, the electronic device 10 and the server 20 may respectively include: the

memory

101, 201, the

processor

103, 203, the

communication module

105, 205 and the input/

output interface

107, 207. In some embodiments, the

memory

101, 201 may be a computer readable recording medium including: a permanent mass storage device (permanent mass storage device) such as a Random Access Memory (RAM), a Read Only Memory (ROM), a disk Drive, a Solid State Drive (SSD), and a flash Memory (flash Memory).

In some embodiments, the permanent mass storage device such as ROM, SSD, flash memory, disk drive, etc. may be an additional permanent storage device different from the

memory

101, 201, and additionally installed on the electronic apparatus 10 or the server 20. In some embodiments, the

memory

101, 201 may store an Operating System (OS) and at least one program code (e.g., program code for executing a browser installed in the electronic device 10, or program code for an application installed in the electronic device 10 to perform a particular service, etc.).

In some embodiments, the aforementioned software-related elements (elements) may be loaded from a computer-readable recording medium separate from the

memory

101, 201. These computer-readable recording media may include: a computer-readable recording medium such as a floppy disk drive, a magnetic disk, a magnetic tape, a DVD/CD-ROM drive, a memory card, and a USB device. In some embodiments, software-related components may be received and loaded into

memory

101, 201 by the

communication module

105, 205. For example, the software-related components may be provided to the electronic device 10 via the network 30 by a developer or a distribution system that distributes software, and the electronic device 10 receives the software-related components via the communication module 105 and then loads and executes the software-related components by the processor 103 in cooperation with the memory 101.

In some embodiments, the

processor

103, 203 may process instructions of a computer program by performing basic arithmetic, logic, and input-output computations. The instructions may be provided to the

processor

103, 203 by the

memory

101, 201 or the

communication module

105, 205. For example, the

processor

103, 203 may execute instructions of the program code stored in the recording device of the

memory

101, 201, and may also execute instructions of the program code received by the

communication module

105, 205.

In some embodiments, the

communication modules

105 and 205 can perform the function of the electronic device 10 communicating with the server 20 via the network 30, and can also perform the function of the electronic device 10 communicating with other electronic devices (e.g., the electronic device 11). For example, the processor 103 of the electronic device 10 may transmit a request generated when the program code stored in the memory 101 is executed to the server 20 via the network 30 by using the communication module 105.

On the other hand, the processor 203 of the server 20 can execute the control signal, command, content, or file generated by the program code and can transmit the control signal, command, content, or file to the electronic device 10 via the network 30 by using the communication module 205. In some embodiments, the control signals, commands, contents, or files received by the electronic device 10 from the server 20 via the communication module 105 can be transmitted to the processor 103 or the memory 101 for processing, and the contents or files can be stored in a storage medium (such as the above-mentioned permanent storage device) of the electronic device 10.

In some embodiments, the input output interface 107 may be an interface unit for connecting with the input output device 109. For example, the input devices of the input/output device 109 may include: keyboard, mouse, microphone, camera, etc. The output devices of the output-input device 109 may include: a display, a speaker, a vibrator, a haptic feedback device (haptic feedback device), and the like.

In some embodiments, the input/output device 109 may be a touch display having both input and output functions, and the input/output interface 107 may be an interface unit between the touch display and the electronic device 10, in which case, the input/output device 109 and the electronic device 10 may be formed as one device. Similarly, the i/o interface 207 of the server 20 may be an interface unit for connecting the server 20 with an external i/o device (not shown), or may be an interface unit for connecting with an i/o device (not shown) included in the server 20.

In some embodiments, the processor 103 of the electronic device 10 may display a service screen or content composed of data provided by the server 20 or the electronic device 11 on the display through the input/output interface 107 during the process of processing the instructions of the computer program loaded in the memory 101.

In some embodiments, the electronic device 10 and the server 20 may include more structural elements than those of FIG. 2, although most prior art structural elements need not be explicitly shown. For example, the electronic device 10 may include at least a portion of the input-output device 109 as described above, or may include: transceiver (transceiver), Global Positioning System (GPS) module, camera lens, various sensors, and database.

More specifically, where the electronic device 10 is a smartphone, the electronic device 10 may include the following that a smartphone typically has: various structural elements such as an acceleration sensor, a gyro sensor, a photographing lens module, various physical buttons, a button using a touch panel, an input/output terminal, a vibrator for vibration, and a speaker for emitting sound.

In some embodiments, the processor 103 of the electronic device 10 may be implemented as structural elements or modules, and the structural elements or modules of the processor 103 may be considered as different functions (functions) after the processor 103 executes the program code instructions stored in the memory 101. In some embodiments, structural elements or modules of the processor 103 may be selectively included within the processor 103 or excluded from the processor 103. In some embodiments, structural elements or modules of the processor 103 may separate or combine functions based on different situations.

In some embodiments, the electronic device 10 may comprise a computer-implemented electronic transaction system. For example, the electronic transaction system can be implemented as an application program executed independently, or can be implemented as an in-app (in-app) of a specific application program, and operates based on the specific application program. In some embodiments, the electronic device 10 may provide electronic transaction services by interfacing with the server 20.

Based on the technology of the invention, a user can directly carry out payment distribution without carrying out the exchange of privacy information aiming at unassociated electronic devices after the electronic transaction is finished through the electronic device, the method and the computer readable recording medium for the payment distribution of the electronic transaction for maintaining private information. It should be noted that the GUI of the electronic transaction application shown in the following figures is only for illustration and is not intended to limit the present invention to the illustrated aspects, as long as the GUI can be applied to the operation interface of the electronic transaction application linked with the backend network (e.g., the server 20) or other electronic devices (e.g., the electronic devices 11 and 12). Specific embodiments of an electronic device and method for payment distribution for electronic transactions maintaining private information will be described in detail below.

FIG. 3 is a block diagram of structural elements or modules included in a processor of an electronic device according to some embodiments of the present invention. Specifically, as shown in fig. 3, the processor 103 of the electronic device 10 may at least include an electronic transaction processing module 103A and a payment distribution management module 103B. The electronic transaction processing module 103A may perform the electronic transaction function after the processor 103 executes the program code instructions stored in the memory 101, and the payment allocation management module 103B may perform the payment allocation function after the processor 103 executes the program code instructions stored in the memory 101.

Fig. 4 is a flowchart of a payment allocation method for an electronic transaction performed by an electronic device according to some embodiments of the invention. In some embodiments, an electronic transaction system implemented at the electronic device 10 may perform the method illustrated in FIG. 4 based on executing instructions provided by an electronic transaction application installed at the electronic device 10. In detail, after the processor 103 executes the OS and the related program code instructions stored in the memory 101, the electronic transaction processing module 103A and the payment allocation management module 103B may execute the steps S410, S420, S430, and S440 included in the method 400 of fig. 4.

In other words, at the beginning of the method 400, the processor 103 may read from the memory 101 the corresponding program code instructions loaded into the memory 101, and these program code instructions include program code instructions that make the electronic transaction processing module 103A and the payment allocation management module 103B execute steps S410, S420, S430, and S440.

In some embodiments, the electronic device 10 is installed with an electronic transaction application, and the user executes the electronic transaction application and operates the related functions through the electronic device 10. Specifically, when the user operates the electronic transaction application via the electronic device 10 and proceeds to the payment function, the electronic transaction processing module 103A of the processor 103 executes step S410 to perform a first electronic transaction with the server 20 based on a payment sum. Wherein the first electronic transaction corresponds to a transfer of money from a user to a store or personal terminal via the electronic device 10. More specifically, the first electronic transaction is mainly that the user sends a transfer request corresponding to the total payment amount to the server 20 through the electronic device 10, and the server 20 transfers the amount equivalent to the total payment amount to the account corresponding to the store or the personal terminal after confirming that the request is legal, in response to the account corresponding to the electronic device 10.

It should be noted that the account number for transferring money may be an actual bank account number, a virtual network account number, an electronic wallet account number, or a credit card account number, which may be used for actual money transferring. But are not intended to limit the invention to the described embodiments of the account number.

Next, after the first electronic transaction is completed, that is, after the electronic device 10 confirms that the transfer to the store or the personal terminal is completed, the payment allocation management module 103B of the processor 103 executes step S420 to generate at least One set of One-Time payment information based on the allocation setting. Wherein each set of one-time payment information is associated with at least a portion of the total amount paid.

More specifically, after the first electronic transaction is completed, the user can input the payment allocation setting for the total payment amount through the electronic device 10, and the payment allocation management module 103B of the processor 103 can generate the one-time payment information based on each part of the setting related to the total payment amount according to the payment allocation setting input by the user.

Then, the payment distribution management module 103B of the processor 103 executes step S430 to provide the one-time payment information associated with at least a portion of the payment sum to another electronic device (e.g., the electronic devices 11 and 12), so that the another electronic device completes a second electronic transaction with the server 20 based on at least a portion of the payment sum. Wherein the second electronic transaction corresponds to a transfer of money to the electronic device 10 from another electronic device. More specifically, the second electronic transaction is mainly a request from another user to transfer at least a part of the total amount of payment to the server 20 through another electronic device, and the server 20 transfers an amount equivalent to at least a part of the total amount of payment to the account corresponding to the electronic device 10 corresponding to the account corresponding to the another electronic device after confirming that the request is legal.

Then, when the second electronic transaction is completed, the server 20 will send a confirmation message to the electronic device 10 to notify the electronic device 10 that another electronic device has transferred money to the electronic device 10. Accordingly, the payment allocation management module 103B of the processor 103 executes step S440 to receive the confirmation message from the server 20 after the electronic transaction is completed by another electronic device to the server 20.

In some embodiments, an identification code (e.g., telephone number, member identification code of an application, etc.) of another electronic device is not associated with the electronic device 10. In detail, in the prior art, the electronic transaction application usually has a contact list (e.g. a buddy list, a group list, etc.), or the electronic transaction application can cooperate with the instant messaging application having the contact list, and the user has to select the corresponding object through the id recorded in the contact list to perform the payment allocation operation for the subsequent electronic transaction.

However, the payment allocation operation for the electronic transaction needs to be established based on the mutual association between the electronic device 10 and other electronic devices, i.e., the payment allocation operation for the known electronic transaction needs to be established based on the fact that the user of the electronic device 10 and the user of the other electronic device have exchanged private information through the electronic devices (e.g., friends exchanging identification codes with each other in the electronic transaction application or the instant messaging application), so that the operation can be performed.

In the present invention, the id corresponding to the other electronic device is not recorded in the address list of any electronic transaction application or instant messaging application of the electronic device 10, i.e. no private information has been exchanged between the user of the electronic device 10 and the user of the other electronic device. The main technology of the invention is to complete the payment distribution of the electronic transaction through one-time information exchange between the electronic devices. The one-time information is generated based on the first electronic transaction and can be invalidated after the second electronic transaction of the other electronic device is completed.

In some embodiments, the user can first establish a one-time group by executing the function of the electronic transaction application through the electronic device 10, so as to facilitate the transmission of one-time information. Specifically, the payment allocation management module 103B of the processor 103 may first establish a one-time group (e.g., a one-time chat room) with a group identifier through a back-end network (e.g., the server 20), and display a first User Interface (GUI) through the touch display to provide the group identifier to another electronic device, so that the other electronic device may join the one-time group according to the group identifier. In this way, the payment distribution management module 103B of the processor 103 can provide the one-time payment information associated with at least a portion of the payment sum to another electronic device through the one-time group. The disposable group can also be disabled after the second electronic transaction of the other electronic device is completed.

In some embodiments, the first GUI mainly displays a graphic identification code (e.g., two-dimensional bar code, QR code, etc.) associated with the group identification code of the disposable group, and the other electronic device can notify the back-end network (e.g., the server 20) to join the disposable group according to the group identification code after scanning the graphic identification code to obtain the group identification code.

In some embodiments, the first GUI is mainly used for receiving user input to activate the communication module 105 to directly provide the group identification code to another electronic device, so that the other electronic device can join the disposable group according to the group identification code. For example, the first GUI is mainly used for receiving the user input to activate the communication module 105 having the bluetooth protocol communication function, the direct Wi-Fi protocol communication function or the NFC protocol communication function, and transmitting the group identification code to another electronic device based on the bluetooth protocol, the direct Wi-Fi protocol or the NFC protocol, so that the other electronic device joins the disposable group according to the group identification code.

In some embodiments, the payment allocation management module 103B of the processor 103 may display a second GUI via the touch display and receive user input via the second GUI to set at least a portion of the payment total. Further, in some embodiments, the payment allocation management module 103B of the processor 103 may receive another user input through the second GUI to associate at least a portion of the payment sum with a temporary id of another electronic device. Accordingly, the payment allocation management module 103B of the processor 103 may generate the one-time payment information according to the association between at least a portion of the total payment amount and the temporary id of the other electronic device, and provide the one-time payment information to the other electronic device, so that the other electronic device transfers the at least a portion of the total payment amount recorded by the one-time payment information to the electronic device 10.

For example, for a specific transaction, the user utilizes the electronic device 10 to establish a disposable group, and displays the first GUI through the electronic device 10 to provide a group identifier of the disposable group for the other two electronic devices that are not associated with the electronic device 10 to join. One electronic device uses the temporary identity code AAA to join the disposable group, and the other electronic device uses the temporary identity code BBB to join the disposable group. Then, when the user pays for the specific transaction by using the electronic device 10 and the total amount paid is one thousand, the user can input the amounts allocated by the user for the electronic device AAA and the electronic device BBB respectively through the second GUI displayed by the electronic device 10.

Then, the electronic device 10 allocates three hundred to the electronic device AAA through the second GUI based on the one-time group (i.e., an association is generated between the electronic device AAA and the three hundred), and accordingly generates the one-time payment information to be provided to the electronic device AAA, so that the user of the electronic device AAA can transfer the three hundred to the electronic device 10 through the electronic device AAA based on the one-time payment information. Similarly, the electronic device 10 allocates five hundred to the electronic device BBB based on the one-time group (i.e. the electronic device BBB is associated with the five hundred), and accordingly generates the one-time payment information to be provided to the electronic device BBB, so that the user of the electronic device BBB transfers five hundred to the electronic device 10 via the electronic device AAA based on the one-time payment information.

Then, when the server 20 determines that the transfer from the AAA to the electronic apparatus 10 is completed, it sends a confirmation message to notify the electronic apparatus 10. Similarly, when the server 20 determines that the transfer from the electronic device BBB to the electronic device 10 is completed, it sends a confirmation message to notify the electronic device 10. Accordingly, after the electronic device 10 receives the corresponding confirmation message, the user can confirm the completion of the electronic transaction of the payment distribution. Wherein, when all electronic transactions allocated for payment are completed, the one-time information and the one-time group are invalidated.

In some embodiments, the electronic transaction application installed by the electronic device 10 has a GUI for operating various settings. Fig. 5 and 6 are schematic diagrams of a GUI500 and a GUI 600 of an electronic transaction application according to some embodiments of the invention. Specifically, before the main user uses the electronic transaction application installed in the electronic device 10 to pay for the store or the personal terminal, the main user may click a payment allocation option 510 displayed in the GUI500 through the touch display of the electronic device 10 to establish a disposable group for the user who wants to perform payment allocation.

In detail, when the primary user clicks the payment allocation option 510 of the GUI500 on the touch display, the payment allocation module 103B of the processor 103 may detect the touch signal and further display the user type option to be allocated in the GUI500 of the touch display. In some embodiments, as shown, upon clicking on the payment assignment option 510, the GUI500 further displays: a pay for distribution with friends option 510A; and a pay for distribution option with friends and anonymists 510B.

Based on the technical features of the present invention, when the primary user clicks the payment allocation option 510B with friends and anonymous people, the payment allocation management module 103B of the processor 103 can detect the touch signal and notify the server 20 to establish the disposable group G1 through the communication module 105. Next, the payment allocation management module 103B of the processor 103 displays the one-time group G1 in the GUI 600 of the touch display. The GUI 600 further includes the option to add other users: pick from friends list option 600A, QR code option 600B and network module option 600C.

Referring to fig. 7A and 7B, in some embodiments, when the object to be paid and distributed is a friend X of the primary user, the primary user may click the friend list selection option 600A, and the payment distribution management module 103B of the processor 103 displays a friend list 620 (e.g., a list of contacts recorded by an electronic transaction application or an instant messaging application of the electronic device 10) after detecting the touch signal, so that the primary user may select the friend X recorded in the electronic device 10 from the friend list 620. Thus, the electronic device 10 can further notify the electronic device of friend X through the server 20, so that friend X can join the disposable group G1 by using the electronic device. When the friend X agrees to join the one-time group G1, the server 20 notifies the electronic device 10, so that the electronic device 10 displays the joining of the friend X in the touch display GUI 600.

Referring to fig. 8A and 8B together, in some embodiments, when the object to be paid and distributed is a user W unknown to the primary user, in other words, the electronic device 10 does not record the identification code of the electronic device used by the user W, the primary user may click on the QR code option 600B, and the payment distribution management module 103B of the processor 103 generates and provides a QR code 630 associated with the group identification code of the disposable group G1 on the touch display after detecting the touch signal. Thus, the user W can scan and analyze the QR code 630 by using the electronic device of the user W to obtain the group identification code of the disposable group G1, so that the electronic device of the user W can join the disposable group G1 through the server 20 according to the group identification code.

Then, when the user W agrees to join the one-time group G1, the server 20 notifies the electronic device 10, so that the electronic device 10 displays the joining of the user W in the GUI 600 of the touch display. In some embodiments, when user W joins one-time group G1, server 20 may be notified to join using anonymous W'. Accordingly, the user W is presented with an anonymous W' in the GUI 600.

Referring to fig. 9A and 9B, in some embodiments, when the object to be paid and distributed is user H unknown to the primary user, in other words, the electronic device 10 does not record the id of the electronic device used by user H, the primary user may click the network module option 600C, and the payment distribution management module 103B of the processor 103 activates the communication module 105 after detecting the touch signal, so as to provide the group id of the disposable group G1 to user H. Thus, the user H can use the electronic device to receive the group id of the disposable group G1, and join the disposable group 610 through the server 20.

Similarly, when the user H agrees to join the one-time group G1, the server 20 notifies the electronic device 10, so that the electronic device 10 displays the user H joining in the GUI 600 of the touch display. In some embodiments, when user H joins one-time group G1, server 20 may be notified to join using anonymous H'. Accordingly, for user H, GUI 600 is displayed anonymous H'.

It should be noted that the network module option 600C of the GUI 600 is mainly exemplified by the bluetooth network protocol, but it is not limited to the implementation aspect of the present invention, and those skilled in the art should understand that the network protocol applied by the network module option 600C of the GUI 600 can be various direct connection communication protocols between electronic devices, such as a direct Wi-Fi communication protocol, an NFC communication protocol, and the like, through the disclosure of the present invention.

FIG. 10 is a diagram of a GUI 1000 of an electronic transaction application in accordance with some embodiments of the invention. Specifically, when the one-time group G1 is established and all participating users have joined the one-time group G1, the primary user can directly pay for the store or the personal terminal using the electronic transaction application installed in the electronic device 10. Accordingly, GUI 1000 displays a payment due message 1000A including a payment sum (e.g., 1000 Yuan for the new station currency) and a payment object name (e.g., store S).

In some embodiments, the GUI 1000 further comprises a payment allocation option 1010, and when the primary user clicks the payment allocation option 1010, the payment allocation management module 103B of the processor 103 detects the touch signal and further displays a disposable group list 1010A in the GUI 1000 of the touch display. The disposable group list 1010A includes the previously established disposable group G1.

Referring to fig. 11, when the primary user clicks the disposable group G1 in the disposable group list 1010A, the payment allocation management module 103B of the processor 103 detects the touch signal and redisplays the GUI 600 on the touch display, and the GUI 600 further includes a payment allocation setting area 650. In some embodiments, the payment allocation setting area 650 displays the total payment amount and the name of the payment object on the top, and displays a payment allocation setting interface 650A on the bottom, so that the primary user can perform at least a part of the setting on the total payment amount in the payment allocation setting interface 650A.

Specifically, the primary user can set different items and corresponding partial amounts for the total payment amount in the payment allocation setting interface 650A. As shown, the primary user may enter "item 1" and its corresponding amount of two hundred new coins and "item 2" and its corresponding amount of three hundred new coins for the payment allocation settings interface 650A.

Referring next to FIG. 12, the primary user may associate at least a portion of the total amount paid with the users in disposable group G1 by manipulating GUI 600. In detail, after the setting of each item of the payment allocation setting interface 650A is completed, the primary user may drag a specific item to the specific user in the GUI 600, so as to inform the server 20 to provide related information to the specific user in the one-time group G1, so that the specific user can transfer the content of the specific item to the primary user.

For example, as shown, when the primary user drags "item 1" to user W' in the disposable group G1 via the GUI 600, the payment allocation management module 103B of the processor 103 detects the touch signal and notifies the server 20 of the content of the payment allocation setting via the communication module 105. Subsequently, the server 20 issues a notification message to the electronic device of the user W ', and the user W' completes the electronic transaction with the server 20 for two hundred of "item 1" of the payment allocation setting record according to the notification message. More specifically, the electronic transaction is a two hundred dollar transfer from the electronic device of the user W' to the electronic device 10 via the server 20.

Referring to fig. 13, after the server 20 completes the electronic transaction of the user W ', the server 20 may send a confirmation message to the electronic device 10, and the payment allocation management module 103B of the processor 103 may note that the user W ' has paid in the one-time group G1 of the GUI 600 according to the confirmation message corresponding to the user W '. For example, a tick mark may be marked on the lower right of the user W's diagram.

In some embodiments, the one-time information may include various information for transferring money (e.g., a real bank account number, a virtual network account number, an electronic wallet account number, or a credit card account number, etc.), and is invalidated after the corresponding user transfers money. In some embodiments, the disposable group may be disabled automatically after all users in the group have completed an electronic transaction. For example, the one-time group is disabled when the one-time group of users X, W 'and H' complete the electronic transaction (i.e., after transferring to the primary user).

As described above, according to the embodiments of the present invention, when the user executes the electronic transaction application and operates the related interface by using the electronic device, the user can complete the payment allocation with the user who has not exchanged the privacy information, and the user does not need to exchange the privacy information before the payment allocation, so that the flexibility of the payment allocation can be greatly increased while ensuring the privacy information.

The means described in the above may be implemented by hardware structural elements, software structural elements and/or a combination of hardware structural elements and software structural elements. For example, the devices and components described in the embodiments may be implemented by one or more general purpose computers or special purpose computers, such as a processor, a controller, an Arithmetic Logic Unit (ALU), a digital signal processor (digital signal processor), a microcomputer, a Field Programmable Gate Array (FPGA), a Programmable Logic Unit (PLU), a microprocessor, or any device that executes and responds to instructions (instruction). The processing device may execute an OS and one or more application programs executed on the OS. Also, the processing device may access, store, manipulate, process, and generate data in response to execution of the software. For ease of understanding, the description will be made using one processing device, and a processing device may include a plurality of processing elements (processing elements) and/or a plurality of types of processing elements, as those skilled in the art can easily understand. For example, the processing device may include multiple processors or a processor and a controller. Also, other processing configurations like parallel processors (parallel processors) may be included.

The software may comprise a computer program (computer program), a program code (code), an instruction (instruction), or a combination of one or more of them, which may constitute or communicate instructions to the processing device in a standalone or in a combined (collectively) manner, operating in a desired manner. The software and/or data may be embodied in any type of machine, component, physical device, computer storage medium or device for interpreting by the processing device or providing instructions or data to the processing device. The software may be distributed over network coupled computer systems for storage and execution in a distributed fashion. The software and data may be stored on one or more computer readable recording media.

The methods of the embodiments are embodied in computer-readable media in the form of program instructions executable by various computer units. In this case, the medium may continuously store the computer-executable program or temporarily store it for execution or download. The medium may be various recording units or storage units in a form of a single or multiple hardware, and is not limited to a medium directly connected to any computer system, and may be distributed over a network. Examples of the medium include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROM, RAM, flash memories, and the like, for storing the program instructions. Examples of the other media include an application store that distributes application programs, a web page that supplies or distributes other various types of software, and a recording medium or a storage medium managed by a server or the like.

As described above, the embodiments are described with reference to the limited embodiments and the drawings, but those skilled in the art can easily make various modifications and variations by the above description. For example, the techniques described may be performed in a different order than the illustrated methods and/or structural elements of systems, structures, devices, circuits, etc. described may be combined or combined in a different manner than the illustrated methods or may be substituted or replaced with other structural elements or equivalents to achieve suitable results.

Therefore, other examples, other embodiments, and arrangements within the scope and range of equivalents of the claimed invention are also within the claimed invention.

Description of the symbols

10. 11, 12 electronic device

20 server

30 network

101. 201 memory

103. 203 processor

105. 205 communication module

107. 207 input/output interface

109 input/output device

103A electronic transaction processing module

103B payment distribution management module

400 method

500 GUI

510 Payment distribution options

510A payment allocation with friends option

510B payment distribution options with friends and anonymists

600 GUI

600A pick options from friends List

600B QR code option

600C network Module options

620 friends list

630 QR code

650 Payment Allocation settings area

650A Payment Allocation settings interface

1000 GUI

1000A payment completion information

1010 payment distribution options

1010A Disposable group List

G1 Disposable group

S410 to S440

Claims

1. A payment distribution method for an electronic transaction of an electronic device, comprising:

generating one-time payment information after a first electronic transaction is completed with a server based on a payment sum, wherein the one-time payment information is associated with at least one part of the payment sum;

providing the one-time payment information associated with the at least a portion of the payment sum to another electronic device, causing the another electronic device to complete a second electronic transaction with the server based on the at least a portion of the payment sum according to the one-time payment information, wherein an identification code of the another electronic device is not associated with the electronic device; and

after the other electronic device and the server complete the second electronic transaction, a confirmation message is received from the server.

2. The payment distribution method as defined in claim 1, wherein the first electronic transaction corresponds to a transfer of the electronic device to a store terminal and the second electronic transaction corresponds to a transfer of the other electronic device to the electronic device.

3. The payment distribution method of claim 1, further comprising:

establishing a one-time group with a group identification code; and

displaying a user interface to provide the group identification code to the other electronic device, so that the other electronic device is added into the disposable group according to the group identification code;

wherein the one-time payment information associated with the at least a portion of the payment sum is provided to another electronic device based on the one-time group.

4. The payment distribution method of claim 3, further comprising:

displaying another user interface; and

receiving a user input through the other user interface to set the at least a portion of the payment total.

5. The payment distribution method of claim 4, further comprising:

receiving another user input through the another user interface to associate the at least a portion of the payment sum with a temporary identification of the another electronic device.

6. The payment distribution method of claim 3, wherein displaying the user interface to provide the group identification further comprises:

displaying the user interface with a Quick Response (QR) code associated with the group identification code of the disposable group to the other electronic device, so that the other electronic device scans the QR code and joins the disposable group.

7. The payment distribution method of claim 3, wherein displaying the user interface to provide the group identification further comprises:

displaying the user interface; and

receiving a user input through the user interface to activate a communication module to directly provide the group identification code to the other electronic device, so that the other electronic device can join the disposable group according to the group identification code.

8. The payment distribution method of claim 7, wherein the communication module comprises a bluetooth module, a direct Wi-Fi module, or a near field communication module.

9. An electronic device for payment distribution for electronic transactions, comprising:

a communication module; and

at least one processor configured to execute computer readable instructions stored in a memory to:

generating one-time payment information after a first electronic transaction is completed with a server through the communication module based on a total payment amount, wherein the one-time payment information is associated with at least one part of the total payment amount;

10. The electronic device of claim 9, wherein the first electronic transaction corresponds to a transfer of the electronic device to a store terminal and the second electronic transaction corresponds to a transfer of the other electronic device to the electronic device.

11. The electronic device of claim 9, further comprising:

a touch display;

wherein the at least one processor further executes computer readable instructions stored in the memory to:

establishing a one-time group with a group identification code;

displaying a user interface on the touch display to provide the group identification code to the other electronic device, so that the other electronic device is added into the disposable group according to the group identification code; wherein the one-time payment information associated with the at least a portion of the payment sum is provided to another electronic device based on the one-time group.

12. The electronic device of claim 11, wherein the at least one processor further executes computer-readable instructions stored in the memory to:

displaying another user interface; and

13. The electronic device of claim 12, wherein the at least one processor further executes computer-readable instructions stored in the memory to:

14. The electronic device of claim 11, wherein displaying the user interface on the touch display to provide the group identification code to the other electronic device further comprises:

displaying the user interface with a Quick Response (QR) code associated with the group identification code of the disposable group to the other electronic device through the user interface, so that the other electronic device scans the QR code and joins the disposable group.

15. The electronic device of claim 11, wherein displaying the user interface to provide the group identification further comprises:

displaying the user interface; and

receiving a user input through the user interface to start the communication module to directly provide the group identification code to the other electronic device, so that the other electronic device can join the disposable group according to the group identification code. .

16. The electronic device of claim 15, wherein the communication module comprises a bluetooth module, a direct Wi-Fi module, or a near field communication module.

17. A computer readable recording medium for payment distribution for electronic transactions having executable program instructions which, when loaded into an electronic device, cause the electronic device to perform the method of any one of claims 1 to 8.