TW201903667A - Electronic payment method and electronic payment system - Google Patents

Abstract

An electronic payment method applied to an electronic payment system is disclosed. The electronic payment system includes a processor, a network module and a database. The processor is electrically connected to the network module and the database. The network module is electrically connected to a payer device, a receiver device and a server via a network. The electronic payment method includes: receiving a receiving requirement; according to the receiving requirement, sending a payment information to the payer device, allowing the payer device displays the payment information and a confirm button; receiving a confirm information from the payer device, wherein the confirm information is produced by triggering the confirm button.

Description

Electronic payment method and electronic payment system

The present invention relates to an electronic payment method and system, and more particularly to an electronic payment method and system that facilitates user collection and payment.

In recent years, due to the rapid development of e-commerce, consumers' consumption patterns and payment methods have undergone tremendous changes. The consumption habits of the general public have gradually changed to the use of electronic payment for stored value, online transactions and other functions. Electronic payments refer to consumers, businesses, and financial institutions that use secure electronic payment methods to make money payments over the Internet. For the consumer, the user can pay without carrying and using cash, and the payment action is performed on the electronic device, so the electronic payment can bring great convenience to the user.

With the development of e-commerce, the application of electronic payment is more diverse and more likely to be applied in the field of daily life. Therefore, how to make electronic payment more convenient and easy to be used by users to understand, has become an important issue.

The main object of the present invention is to provide an electronic payment method that facilitates user collection and payment.

To achieve the above objective, the electronic payment method of the present invention is applied to an electronic payment system. The electronic payment system includes a processor, a network module and a database, and the processor is electrically connected to the network module and the database. The network module is electrically connected to a payer device, a payee device and a server through a network. The electronic payment method includes: receiving a payment request; transmitting a payment message to the payer device according to the payment request, so that the payer device displays the payment message and a confirmation trigger button; receiving a confirmation message, confirming the message by confirming The trigger button is triggered and the confirmation message is from the payer device.

According to an embodiment of the invention, the electronic payment method further comprises: generating a transaction record based on the confirmation message.

According to an embodiment of the present invention, the electronic payment method further includes: updating the database according to the transaction record.

According to an embodiment of the invention, the payment request is from a server.

According to an embodiment of the present invention, the electronic payment method further includes transmitting a payment notification to the payee device.

According to an embodiment of the present invention, the electronic payment method further includes: transmitting a payment completion notification to the server.

According to an embodiment of the invention, wherein the payment request is from a payee device.

According to an embodiment of the present invention, the electronic payment method further includes transmitting a transaction completion notification to the payer device.

According to an embodiment of the invention, the payment message includes a payment amount and a payment details.

Another primary object of the present invention is to provide an electronic payment system that facilitates user collection and payment.

To achieve the above objects, the electronic payment system of the present invention is electrically coupled to a payer device, a payee device, and a server via a network. The electronic payment system includes a network module, a processor, and a database. The network module is electrically connected to the payer device, the payee device and the server through the network, and the network module is configured to receive a payment request. The processor analyzes the payment request and generates a payment message based on the payment request. The database is electrically connected to the processor and the network module. After the processor generates the payment message, the processor controls the network module to transmit the payment message to the payer device, so that the payer device displays the payment message and a confirmation trigger button. When the payment message is transmitted to the payer device and the confirmation trigger button is triggered, the network module receives a confirmation message, the confirmation message is generated by the confirmation trigger button being triggered, and the confirmation message is from the payer device. .

According to an embodiment of the invention, after the network module receives the confirmation message, the processor generates a transaction record according to the confirmation message.

According to an embodiment of the invention, the processor updates the database in accordance with the transaction record.

According to an embodiment of the invention, after the network module receives the confirmation message, the processor generates a payment notification and controls the network module to transmit the payment notification to the payee device.

According to an embodiment of the invention, after the network module receives the confirmation message, the processor generates a payment completion notification and controls the network module to transmit the payment completion notification to the server.

According to an embodiment of the present invention, after the network module receives the confirmation message, the processor generates a transaction completion notification and controls the network module to transmit the transaction completion notification to the payer device.

In order to enable the reviewing committee to better understand the technical contents of the present invention, the preferred embodiments are described below.

Hereinafter, please refer to FIG. 1 to FIG. 10 together with an electronic payment method and an electronic payment system according to a first embodiment of the present invention. 1 is a system architecture diagram of an electronic payment system, a payer device, a payee device, and a server according to a first embodiment of the present invention; and FIG. 2 is a flow chart showing the steps of the electronic payment method according to the first embodiment of the present invention; 3 is a schematic diagram of a transaction interface of a first embodiment of the present invention; FIG. 4 is a schematic diagram of a payment message according to a first embodiment of the present invention; and FIG. 5 is a schematic diagram of a payment notification of the first embodiment of the present invention; 6 is a schematic diagram of an updated transaction interface of the first embodiment of the present invention; FIG. 7 is a schematic diagram of a transaction completion notification of the first embodiment of the present invention; and FIG. 8 is a schematic diagram of a transaction record of the first embodiment of the present invention; 9 is a schematic diagram of the use of an electronic payment record in the database of the first embodiment of the present invention; and FIG. 10 is a schematic diagram of the use of the electronic payment record of the updated database of the first embodiment of the present invention.

In the first embodiment of the present invention, as shown in FIGS. 1 and 2, the electronic payment method of the present invention is applied to an electronic payment system 1 for the user to conveniently and quickly collect and pay. The electronic payment system 1 is electrically connected to a payer device 200, a payee device 300, and a server 900 via a network 100. The payer device 200 and the payee device 300 may be electronic devices such as a computer, a smart phone or a tablet having a display screen, a network connection function, a browsing and operating webpage function, a payer device 200 and a payee device 300. The user can operate and electrically connect to the electronic payment system 1 to perform electronic payment with each other. In the first embodiment, the user of the payer device 200 is Amy, Amy will use the payer device 200 in conjunction with the electronic payment system 1 and electronic payment method of the present invention to purchase goods and pay; the use of the payee device 300 The person is Jack, and Jack will use the payee device 300 in conjunction with the electronic payment system 1 and electronic payment method of the present invention to collect money.

The server 900 of the first embodiment is, for example, an electronic platform for performing online auction or online shopping, which can be used by a plurality of users to auction and purchase items on the electronic platform, and by the electronic payment system 1 of the present invention. The electronic payment method pays for the merchandise; however, the type of the server 900 is not limited to an electronic platform for performing online auctions or online shopping, and may be other electronic platforms having e-commerce functions.

The electronic payment system 1 of the present invention is, for example, a computer of a financial institution (e.g., a bank) or a computer interconnected with an electronic device controlled by a financial institution of a financial institution. The electronic payment system 1 includes a processor 10, a network module 20, a database 30, an encryption module 40, and a storage module 50. The processor 10 is, for example, a central processing unit (CPU), which is electrically connected to the network module 20, the data library 30, the encryption module 40, and the storage module 50. The processor 10 is used to control the network module. The group 20, the database 30, the encryption module 40 and the storage module 50 can analyze the messages received by the network module 20. The network module 20 is electrically connected to the external network 100. The network module 20 can be electrically connected to the payer device 200, the payee device 300, and the server 900 through the network 100. The network module 20 can communicate messages with the payer device 200, the payee device 300, and the server 900.

The database 30 is used to store the transaction records and user data of the electronic payment by the payer device 200 and the payee device 300. As shown in FIG. 9, the database 30 can record the transaction record of the user using the electronic payment. For example, one of the users Jack has paid 1,000 yuan by electronic payment on January 1, 2016 to purchase the tableware group, and another user Amy. I used to pay 2,000 yuan by electronic payment on March 1, 2017 to purchase a computer chair. However, the data that can be registered by the database 30 is not limited to the above, and may be changed according to the use requirements. The encryption module 40 is used to encrypt the transaction records of each user using the electronic payment to ensure transaction security.

It should be noted that in the first embodiment, the user who wants to use the electronic payment system 1 for electronic payment must first apply for membership to the electronic payment system 1 and set his own user information (such as name, contact number). , the e-mail address, the birthday, the identity card number, and the bank account number or credit card number) are provided to the electronic payment system 1 for the database 30 to store the user data; thereby, when the user pays by using the electronic payment method of the present invention, The electronic payment system 1 can directly debit the corresponding bank account or credit card according to the identity data, bank account number or credit card number provided by the user; when the user uses the electronic payment method of the invention to collect money, the electronic payment system 1 The money can also be directly transferred to the corresponding bank account according to the identity information, bank account number or credit card number provided by the user. It should be noted that the technology of debiting from the corresponding bank account or credit card or remittance to the corresponding bank account has been widely used in general online financial services, and it is not the focus of this case, so it is not much Make a statement.

In the first embodiment of the present invention, the electronic payment method is programmable as a computer program product and stored in the storage module 50. The computer program product of the electronic payment method of the first embodiment can cooperate with the electronic platform of the server 900 for performing online auction or online shopping for the user to conduct online auction or network on the electronic platform of the server 900. When shopping on the road, use electronic payment methods to collect and pay. As shown in FIG. 1 and FIG. 2, if Jack, the user of the payee device 300, wants to conduct an online auction on the electronic platform of the server 900 to sell an item (such as a notebook computer), Jack can use it first. The payee device 300 performs step 301 of transmitting a merchandise sell instruction.

The electronic platform of the server 900 of the present invention has a conventional online auction function that allows the user to enter merchandise sell orders. The merchandise sell order includes the type of merchandise to be sold, related photos, commodity prices, and merchandise descriptions. The server 900 can display a webpage transaction interface on the server 900 according to the merchandise selling instruction, so that other users can connect to the server 900 by using a computer, a smart phone or a tablet to view the webpage. Trading interface. Therefore, as shown in FIG. 1, Jack can first use the payee device 300 to log in to the electronic platform of the server 900, and use the payee device 300 to transmit a merchandise sell command to the server 900; the merchandiser device 300 transmits the merchandise for sale. The instruction includes, for example, the following information: the type of the merchandise to be sold is a notebook computer, a photo of the notebook computer to be sold, the price of the notebook computer is 30,000 yuan, and the product description is, for example, the condition of the product is brand new, and the delivery method is home delivery and exemption. Shipping and payment methods are electronic payments. However, the information included in the merchandise sell order is not limited to the above, and may be changed according to design requirements. In addition, online auction through electronic platform is a well-known network technology, which has been widely used on the Internet, and it is not the focus of this case, so there is not much detail about its details.

When the payee device 300 transmits the merchandise sell command, the server 900 proceeds to step 901: receiving the merchandise sell command.

The server 900 receives the merchandise sell instruction sent by the payee device 300, and reads and analyzes the information included in the merchandise sell instruction, for example, the type of the merchandise sold is a notebook computer, a photo of the notebook computer to be sold, The price of the notebook computer is 30,000 yuan, and the product description is, for example, that the product status is brand new, the shipping method is home delivery and free shipping, and the payment method is electronic payment.

Next, the server 900 proceeds to step 902 to provide a transaction interface based on the merchandise sell instruction.

As shown in FIG. 1 and FIG. 3, after the server 900 receives, reads, and analyzes the merchandise selling instruction transmitted by the payee device 300, the server 900 provides a web page form according to the content of the merchandise selling instruction. Trading interface. In the trading interface, the information included in the merchandise selling instruction is displayed. For example, the type of merchandise sold is a notebook computer, a photograph of the merchandise to be sold, the merchandise price is 30,000 yuan, and the merchandise description is, for example, the brand status is brand new, and the shipping method is home delivery. And the free shipping, payment method is electronic payment, the seller (ie the user of the payee device 300) is named Jack; in addition, there is also a field for inputting a quantity and a purchase button A for intentional purchase. The user of the notebook enters the quantity to be purchased and presses the purchase button A to purchase. However, the form of the transaction interface is not limited to the above, and it may vary according to design requirements.

In the first embodiment of the present invention, after the server 900 provides the transaction interface, if the user Amy of the payer device 200 uses the payer device 200 to browse the transaction interface of the notebook provided by the server 900, Amy wants To purchase a notebook computer that Jack sells, at this time, Amy can use the payer device 200 to perform step 201: transmitting a merchandise purchase instruction and a quantity adjustment instruction.

Amy can use the payer device 200 to input the number adjustment instruction of "1" in the number field of the transaction interface of the notebook computer in the form of a webpage in the server 900, and click the purchase button A to "buy Jack for sale". The purchase order of the product of the notebook computer. When Amy uses the payer device 200 to input the quantity adjustment command and clicks the purchase button A, the payer device 200 will purchase the order for the "buy a notebook for sale of the notebook" and the quantity adjustment command for the "1". The way 100 is passed to the server 900.

When the payer device 200 transmits the product purchase instruction of the "Jack-selling notebook computer" and the quantity adjustment command of "1" to the server 900, the server 900 performs step 903: receiving the product purchase instruction and the quantity. Adjust the instructions.

When the payer device 200 transmits the product purchase instruction of the "Jack-selling notebook computer" and the quantity adjustment command of "1" to the server 900, the server 900 receives the "1" from the payer device 200. The quantity adjustment instruction and the item purchase instruction of "buy a laptop sold by Jack", and the server 900 interprets the contents of the commodity purchase instruction and the quantity adjustment instruction.

Next, the server 900 performs step 904: transmitting a payment request.

After the server 900 interprets the contents of the merchandise purchase instruction and the quantity adjustment instruction, the server 900 selects the content of the merchandise selling instruction transmitted from the payee device 300, and the merchandise purchase instruction and quantity transmitted by the payer device 200. Adjust the content of the order to generate a payment request. The contents of the payment request include: "The notebook computer sold by the user of the payer device 200 who wants to buy a user of the payee device 300, and the price of the notebook computer is 30,000 yuan", and the payment request The content also includes photos of the laptop. After the payment request is generated, the server 900 transmits the payment request to the electronic payment system 1.

Next, the electronic payment system 1 executes the computer program product of the electronic payment method of the present invention, and proceeds to step 101: receiving a payment request.

The network module 20 of the electronic payment system 1 receives the payment request transmitted by the server 900. When the network module 20 receives the payment request, the payment request is transmitted to the processor 10 to cause the processor 10 to analyze the content of the payment request.

Next, the electronic payment system 1 proceeds to step 102: transmitting a payment message to the payer device according to the payment request, so that the payer device displays the payment message and a confirmation trigger button.

After receiving the payment request, the processor 10 analyzes the content of the payment request: "The user of the payer device 200 wants to buy a notebook computer sold by a user of the payee device 300, and the notebook computer The price is 30,000 yuan" and a payment message is generated based on the content. The appearance of the payment message is as shown in FIG. 4, which includes the payment amount D, the payment details E, the confirmation trigger button B, and the cancel button C. The payment amount D is 30,000 yuan, and the payment details E include information such as the name and photo of the notebook computer, and the name of the seller (user of the payee device 300). The confirmation trigger button B is a button that can be triggered by the user to control the electronic device, and the confirmation trigger button B is used for the user to click to confirm the purchase. The cancel button C is a button that can be triggered by the user to control the electronic device, and the cancel button C is used for the user to click to cancel the purchase. The processor 10 also transmits the payment message to the network module 20, and controls the network module 20 to transmit the payment message to the payer device 200 in the form of a web page or a short message.

After the network module 20 payment message is transmitted to the payer device 200, the payer device 200 proceeds to step 202: receiving the payment message.

After the network module 20 payment message is transmitted to the payer device 200, the payer device 200 receives the payment message in the form of a web page or a short message, and the processor of the payer device 200 analyzes the payment message.

The payer device 200 then proceeds to step 203: displaying the payment message and confirming the trigger button.

After the processor of the payer device 200 analyzes the payment message, the payer device 200 displays the payment message in the form of a web page or a short message and its payment amount D, payment details E, confirmation trigger button B, and cancel button C. In this way, the user Amy of the payer device 200 can view the payment amount D and the payment details E to confirm whether the amount to be paid and the purchased product are correct; if correct, and Amy determines that he wants to purchase the notebook, Then Amy can operate the payer device 200 and click the confirmation trigger button B to confirm the purchase. If Amy changes his mind and does not wish to purchase the notebook after reviewing the payment amount D and the payment details E, Amy can operate the payer device 200 and click the cancel button C to cancel the purchase; at this time, the payer device 200 will form a cancellation. The message is transmitted to the electronic payment system 1, and upon receipt of the cancellation message, the electronic payment system 1 ends the electronic payment method.

When Amy operates the payer device 200 and clicks the confirmation trigger button B, the payer device 200 proceeds to step 204: receiving a trigger command to confirm the trigger button.

When Amy operates the payer device 200 and clicks the confirmation trigger button B on the payment message in the form of a web page or a short message, the processor of the payer device 200 receives the trigger message of the trigger button B.

Next, the payer device 200 proceeds to step 205: transmitting a confirmation message.

After the processor of the payer device 200 receives the trigger message of the trigger button B, the payer device 200 transmits the confirmation message to the electronic payment system 1 via the network 100.

Next, the electronic payment system 1 performs step 103: receiving a confirmation message, the confirmation message is generated by the confirmation trigger button being triggered, and the confirmation message is from the payer device.

The network module 20 of the electronic payment system 1 receives the confirmation message sent by the payer device 200, wherein the confirmation message is generated by Amy clicking the confirmation trigger button B on the payment message, indicating that Amy has confirmed that the purchase is to be purchased. A notebook computer, and willing to pay 30,000 yuan to the seller Jack.

Next, the electronic payment system 1 performs step 104: generating a transaction record based on the confirmation message.

As shown in FIG. 1 and FIG. 8, after receiving the confirmation message sent by the payer device 200, the network module 20 of the electronic payment system 1 determines that the user Amy of the payer device 200 is willing to purchase the payee device 300. User Jack's notebook computer, and Amy is willing to pay 30,000 yuan to the user of the payee device 300 Jack. Therefore, the processor 10 of the electronic payment system 1 generates a transaction record based on the confirmation message. The transaction record records the name of the payee of the money transaction, the name of the payer, the amount paid by the payer, the time of the payment, and the description of the transaction (for example, the transaction is about a transaction notebook).

Next, the electronic payment system 1 performs step 105: encrypting the transaction record.

The encryption module 40 of the electronic payment system 1 encrypts the transaction records generated by the processor 10 to secure transactions and avoid leakage of transaction data. The encryption method is, for example, a conventional digital signature signature encryption algorithm, but the encryption method is not limited thereto, and it may also be other encryption algorithms.

Next, the electronic payment system 1 performs step 106: updating the database according to the transaction record.

As shown in FIG. 1, FIG. 8 to FIG. 10, the processor 10 of the electronic payment system 1 updates the database 30 based on the transaction record. The pre-update database 30 does not record the record that Jack and Amy used to sell and purchase notebooks. According to the transaction record, the updated database 30 has added Jack to sell the notebook computer on May 23, 2017, and collects the record of 30,000 yuan by electronic payment; the updated database 30 also Added Amy's record of paying 30,000 yuan by electronic payment on May 23, 2017 to purchase a notebook computer. However, the materials and aspects described in the database 30 are not limited to the above, and may be changed according to the needs of use.

It should be noted that the electronic payment system 1 of the present invention is a computer of a financial institution (such as a bank) or a computer connected to an electronic device controlled by a financial institution of a financial institution, and thus the processor of the electronic payment system 1 After updating the database 30, the updated database 30 will also be transmitted to the financial institution's electronic device for controlling the financial account; thus, the financial institution can directly pay Amy 30,000 yuan by electronic payment. Jack's transaction record is integrated into Amy and Jack's bank account; that is, the financial institution connected to the electronic payment system 1 will transfer 30,000 yuan from Amy's bank account to Jack's bank based on the updated database 30 information. account.

Next, the electronic payment system 1 performs step 107: transmitting a payment completion notification to the server.

After the electronic payment system 1 receives the confirmation message to generate a transaction record, and the processor 10 updates the database 30 according to the transaction record, the processor 10 generates a payment completion notification and controls the network module 20 to transmit the payment completion. The server 900 is notified to notify the server 900 of the message that Jack's notebook has been sold.

After the network module 20 transmits the payment completion notification to the server 900, the server 900 proceeds to step 905: receiving a payment completion notification.

After the server 900 receives the payment completion notification transmitted by the network module 20, the server 900 determines that the laptop of Jack has completed the transaction and sold it to others, so the server 900 needs to update the transaction interface.

Next, the server 900 proceeds to step 906: updating the transaction interface.

As shown in FIG. 1 and FIG. 6, after the server 900 determines that the laptop of Jack has completed the transaction and sells it to another person, the server 900 updates the transaction interface, and the field of the input quantity on the original transaction interface is A purchase button A is removed and a "sold" text is added. Other users have been notified that the notebook has been sold and will no longer accept transactions from others.

In addition, after the electronic payment system 1 receives the confirmation message to generate the transaction record, and the processor 10 updates the database 30 according to the transaction record, the electronic payment system 1 also performs step 108: transmitting a payment notification to the payee device. .

As shown in FIG. 1 and FIG. 5, when the network module 20 receives the confirmation message to generate a transaction record, and after the processor 10 updates the database 30 according to the transaction record, the processor 10 generates a web page, a short message or an email. The payment notification, and the control network module 20 transmits a payment notification in the form of the web page, newsletter or email to the payee device 300.

After the network module 20 transmits the payment notification in the form of the web page, the short message or the email to the payee device 300, the payee device 300 proceeds to step 302: receiving a payment notification.

The payee device 300 receives a payment notification in the form of a web page, a short message or an email sent by the network module 20 (as shown in FIG. 5), and the payment notification notifies Jack that the notebook has been sold, and Inform the closing date and the amount sold, and the notification will be credited to Jack's account within two days. In this way, Jack can know the message that the laptop has been sold by watching the payment notification in the form of a web page, newsletter or email, and can confirm that his account will receive 30,000 yuan. However, the manner and content of the payment notification are not limited to the above, and may be changed according to actual usage requirements.

In addition, after the electronic payment system 1 receives the confirmation message to generate the transaction record, and the processor 10 updates the database 30 based on the transaction record, the electronic payment system 1 also performs step 109: transmitting a transaction completion notification to the payer device.

As shown in FIG. 1 and FIG. 7, after the network module 20 receives the confirmation message to generate a transaction record, and after the processor 10 updates the database 30 according to the transaction record, the processor 10 generates a web page, a short message or an email. The transaction completion notification and the control network module 20 transmits a transaction completion notification in the form of the web page, newsletter or email to the payer device 200.

After the network module 20 transmits the payment notification in the form of the web page, the short message or the email to the payer device 200, the payer device 200 proceeds to step 206: receiving a transaction completion notification.

The payer device 200 receives a transaction completion notification in the form of a web page, a short message or an email sent from the network module 20 (as shown in FIG. 7), and the transaction completion notification notifies Amy that Amy has purchased the notebook and informed The date of the transaction and the amount sold. In this way, Amy can learn the news of the purchased notebook by viewing the transaction completion notification in the form of a web page, a newsletter or an email. However, the manner and content of the transaction completion notice are not limited to the above, and may be changed according to actual use requirements.

With the electronic payment method described above and the cooperation of the electronic payment system 1 and the server 900, the user of the payer device 200 and the payee device 300 can conveniently and quickly obtain online auctions for the sale and purchase of articles. Collection and payment.

Hereinafter, please refer to FIG. 11 to FIG. 18 together with an electronic payment method and an electronic payment system according to a second embodiment of the present invention. 11 is a flow chart showing the steps of an electronic payment method according to a second embodiment of the present invention; FIG. 12 is a schematic diagram of a payee device for transmitting a payment request according to a second embodiment of the present invention; and FIG. 13 is a second embodiment of the present invention; FIG. 14 is a schematic diagram of a payment notification of a second embodiment of the present invention; FIG. 15 is a schematic diagram of a transaction completion notification according to a second embodiment of the present invention; and FIG. 16 is a second embodiment of the present invention. FIG. 17 is a schematic diagram showing the use of an electronic payment record in the database of the second embodiment of the present invention; and FIG. 18 is an electronic payment record using the updated database of the second embodiment of the present invention. Schematic diagram.

As shown in FIG. 11, FIG. 12 and FIG. 17, the second embodiment differs from the first embodiment in that, in the second embodiment, the user of the payer device 200 is Mary, and the use of the payee device 300 is used. It is Hank. Both the payer device 200 and the payee device 300 are equipped with software for electronic payment, and the electronic payment software is used for the user to operate to transmit the payment request to the electronic payment system 1 through the electronic device to transmit the electronic payment method. Come and collect money directly with others. In the second embodiment, Hank is the landlord of Mary, and Hank will use the electronic payment software in the payee device 300 to charge Mary with a monthly rent of 8,000 yuan through the electronic payment method.

In the second embodiment, when Hank needs to use the electronic payment software in the payee device 300, and through the electronic payment method and Mary charges the rent of 8,000 yuan in May, Hank needs to operate the payee device 300 first. The payee device 300 proceeds to step 311: transmitting a payment request.

As shown in FIGS. 1 and 12, the electronic payment software in the payee device 300 provides an input interface and a payment request button F. The input interface allows the user to enter a name for the payer, a payment amount, and a description of the payment. When the payment request button F is triggered, the information of the payer's name, payment amount, and payment description is integrated into the payment request, and the payment request is transmitted to the electronic payment system 1 via the network 100. Since Hank needs to charge Mary the rent of 8,000 yuan in May, Hank can enter the name of the payer as Mary in the input interface of the electronic payment software, enter the payment amount as 8000, and enter the payment description as “receive 5”. Monthly rent"; Next, Hank can click the payment request button F to trigger the payment request button F, and integrate the information of the payer's name, payment amount and payment description into the collection request: "The payee device 300 The user charges Mary a rent of 8,000 yuan in May, and transmits the payment request to the electronic payment system 1 via the network 100.

When Hank transmits the payment request to the electronic payment system 1 using the payee device 300, the electronic payment system 1 proceeds to step 111: receiving a payment request.

The network module 20 of the electronic payment system 1 receives the payment request transmitted by the payee device 300. When the network module 20 receives the payment request of the user of the payee device 300 to receive the rent of 8,000 yuan from May, the payment request is transmitted to the processor 10, so that the processor 10 analyzes the receipt. According to the content of the request, and according to the user data stored in the database 30, the contact information of Mary is read, so that the electronic payment system 1 subsequently transmits the information to the payer device 200 of Mary.

Next, the electronic payment system 1 proceeds to step 112: according to the payment request, a payment message is transmitted to the payer device to cause the payer device to display the payment message and a confirmation trigger button.

After receiving the payment request, the processor 10 analyzes the content of the payment request: "The user of the payee device 300 charges Mary a rent of 8,000 yuan in May", and generates a payment message based on the content. The appearance of the payment message is as shown in FIG. 13, which includes the payment amount D1, the payment details E1, the confirmation trigger button B, and the cancel button C. The payment amount D1 is a description of 8,000 yuan, and the payment details E1 is the description of the payee Hank's rent for May. The confirmation trigger button B is a button that can be triggered by the user to control the electronic device, and the confirmation trigger button B is used for the user to click to confirm the purchase. The cancel button C is a button that can be triggered by the user to control the electronic device, and the cancel button C is used for the user to click to cancel the purchase. The processor 10 also transmits the payment message to the network module 20 and controls the network module 20 to transmit the payment message to the payer device 200.

After the network module 20 payment message is transmitted to the payer device 200, the payer device 200 proceeds to step 212: receiving the payment message.

After the network module 20 payment message is transmitted to the payer device 200, the software for the electronic payment in the payer device 200 will open and display the payment message, and the processor of the payer device 200 will analyze the payment message.

The payer device 200 then proceeds to step 213: displaying the payment message and confirming the trigger button.

After the processor of the payer device 200 analyzes the payment message, the software of the electronic payment in the payer device 200 displays the payment message and its payment amount D1, the payment details E1, the confirmation trigger button B, and the cancel button C. In this way, the user Mary of the payer device 200 can view the payment amount D1 and the payment details E1 to confirm whether the amount to be paid, the object of payment and the reason for payment (paying the rent) are correct; if correct, Mary can operate the payment. In the device 200, click the confirmation trigger button B to confirm the payment of the rent of 8,000 yuan. If Mary finds that the reason for the amount, the object of payment or the payment is incorrect after reviewing the payment amount D1 and the payment details E1, Mary can also operate the payer device 200 and click the cancel button C to cancel the payment; at this time, the payer device 200 will A cancellation message is formed and transmitted to the electronic payment system 1, and upon receipt of the cancellation message, the electronic payment system 1 ends the electronic payment method.

When Mary operates the payer device 200 and clicks the confirmation trigger button B, the payer device 200 proceeds to step 214: receiving a trigger command to confirm the trigger button.

When Mary operates the payer device 200 and clicks the confirmation trigger button B on the payment message, the processor of the payer device 200 receives the trigger message of the trigger button B.

Next, the payer device 200 proceeds to step 215: transmitting a confirmation message.

After the processor of the payer device 200 receives the trigger message of the trigger button B, the payer device 200 transmits the confirmation message to the electronic payment system 1 via the network 100.

Next, the electronic payment system 1 performs step 113: receiving a confirmation message, the confirmation message is generated by the confirmation trigger button being triggered, and the confirmation message is from the payer device.

The network module 20 of the electronic payment system 1 receives a confirmation message from the payer device 200, wherein the confirmation message is generated by Mary clicking the confirmation trigger button B on the payment message, indicating that Mary has confirmed that the payment is to be paid 5 The monthly rent of 8,000 yuan to the seller Hank.

Next, the electronic payment system 1 performs step 114: generating a transaction record based on the confirmation message.

As shown in FIG. 1 and FIG. 16, after receiving the confirmation message sent by the payer device 200, the network module 20 of the electronic payment system 1 determines that the user of the payer device 200 has confirmed that the rent for May is to be paid. 8,000 yuan to the seller Hank. Therefore, the processor 10 of the electronic payment system 1 generates a transaction record based on the confirmation message. The transaction record will record the name of the payee of the money transaction, the name of the payer, the amount paid by the payer, the time of the payment, and the description of the transaction (for example, the transaction is for the May rent).

Next, the electronic payment system 1 performs step 115: encrypting the transaction record.

The encryption module 40 of the electronic payment system 1 encrypts the transaction records generated by the processor 10 to secure transactions and avoid leakage of transaction data. The encryption method is, for example, a conventional digital signature signature encryption algorithm, but the encryption method is not limited thereto, and it may also be other encryption algorithms.

Next, the electronic payment system 1 performs step 116: updating the database according to the transaction record.

As shown in FIGS. 1 and 16 to 18, the processor 10 of the electronic payment system 1 updates the database 30 based on the transaction record. The database 30 before the update did not record Mary's record of paying 8,000 yuan to Hank in May. According to the transaction record, the updated database 30 has added Hank’s record of 8,000 yuan for rent in May by electronic payment on May 23, 2017; the updated database 30 has also been added. Mary used to pay a record of 8,000 yuan in May for electronic payment on May 23, 2017. However, the materials and aspects described in the database 30 are not limited to the above, and may be changed according to the needs of use. In addition, the financial institution connected to the electronic payment system 1 will transfer 8,000 yuan from Mary's bank account to Hank's bank account based on the updated database 30 information.

After the electronic payment system 1 receives the confirmation message to generate a transaction record, and the processor 10 updates the database 30 based on the transaction record, the electronic payment system 1 performs step 117: transmitting a payment notification to the payee device.

As shown in FIG. 1 and FIG. 14, when the network module 20 receives the confirmation message and generates a transaction record, after the processor 10 updates the database 30 according to the transaction record, the processor 10 generates a payment notification and controls the network. The module 20 transmits a payment notification to the payee device 300.

After the network module 20 transmits the payment notification to the payee device 300, the payee device 300 performs a final step 302: receiving a payment notification.

The payee device 300 will receive the payment notification sent by the network module 20 (as shown in FIG. 14), and the software of the electronic payment in the payee device 300 will display the payment notification to Hank to let Hank I learned that Mary has paid the May rent and informed the closing date and the amount received, and the notice will be credited to Hank’s account within two days. In this way, Hank can know that he has received the May rent by watching the payment notification displayed by the electronic payment software, and can confirm that his account will receive 8,000 yuan.

In addition, after the electronic payment system 1 receives the confirmation message to generate the transaction record, and the processor 10 updates the database 30 based on the transaction record, the electronic payment system 1 also performs step 118: transmitting a transaction completion notification to the payer device.

As shown in FIG. 1 and FIG. 15, after the network module 20 receives the confirmation message to generate a transaction record, and after the processor 10 updates the database 30 according to the transaction record, the processor 10 generates a web page, a short message or an email. The transaction completion notification and the control network module 20 transmits a transaction completion notification in the form of the web page, newsletter or email to the payer device 200.

After the network module 20 transmits the payment notification in the form of the web page, the short message or the email to the payer device 200, the payer device 200 proceeds to step 216: receiving a transaction completion notification.

The payer device 200 will receive a transaction completion notification in the form of a web page, a short message or an email sent from the network module 20 (as shown in FIG. 15), and the transaction completion notice will notify Mary that Mary has paid the rent in May and informed the transaction. Day and amount. In this way, Mary can learn that the May rent has been paid by watching the completion of the transaction in the form of a web page, newsletter or email. However, the manner and content of the transaction completion notice are not limited to the above, and may be changed according to actual use requirements.

With the electronic payment system 1 and the electronic payment method of the present invention, the user can directly and conveniently pay or collect money by electronic payment when performing online auction or online shopping on the electronic platform. In addition, it is also possible to make money transactions between users directly and conveniently by means of electronic payment. Users no longer need to use traditional ATM, credit card or cash payment, which can greatly save transaction time and improve the convenience of life.

It should be noted that the above is only an embodiment, and is not limited to the embodiment. For example, those who do not depart from the basic structure of the present invention should be bound by the scope of the patent, and the scope of the patent application shall prevail.

1‧‧‧Electronic payment system

10‧‧‧ processor

20‧‧‧Network Module

30‧‧‧Database

40‧‧‧Encryption Module

50‧‧‧ storage module

100‧‧‧Network

200‧‧‧Payee device

300‧‧‧ payee device

900‧‧‧Server

A‧‧‧ Buy button

B‧‧‧Confirm trigger button

C‧‧‧Cancel button

D, D1‧‧‧ payment amount

E, E1‧‧‧ payment details

F‧‧‧Receipt request button

1 is a system architecture diagram of an electronic payment system, a payer device, a payee device, and a server in a first embodiment of the present invention. 2 is a flow chart showing the steps of the electronic payment method of the first embodiment of the present invention. Figure 3 is a schematic illustration of the transaction interface of the first embodiment of the present invention. Figure 4 is a schematic illustration of a payment message in accordance with a first embodiment of the present invention. Figure 5 is a schematic illustration of the payment notification of the first embodiment of the present invention. Figure 6 is a schematic illustration of the updated transaction interface of the first embodiment of the present invention. Figure 7 is a diagram showing the transaction completion notice of the first embodiment of the present invention. Figure 8 is a schematic illustration of the transaction record of the first embodiment of the present invention. Figure 9 is a diagram showing the use of an electronic payment record in the database of the first embodiment of the present invention. Figure 10 is a schematic illustration of the use of an electronic payment record for an updated database of a first embodiment of the present invention. Figure 11 is a flow chart showing the steps of the electronic payment method of the second embodiment of the present invention. Figure 12 is a schematic illustration of a payee device for transmitting a payment request in accordance with a second embodiment of the present invention. Figure 13 is a diagram showing the payment message of the second embodiment of the present invention. Figure 14 is a schematic illustration of a payment notification of a second embodiment of the present invention. Figure 15 is a diagram showing the transaction completion notice of the second embodiment of the present invention. Figure 16 is a schematic illustration of a transaction record of a second embodiment of the present invention. Figure 17 is a diagram showing the use of an electronic payment record in the database of the second embodiment of the present invention. Figure 18 is a schematic illustration of the use of an electronic payment record for an updated database of a second embodiment of the present invention.

Claims (20)

An electronic payment method is applied to an electronic payment system, the electronic payment system includes a processor, a network module and a database, the processor is electrically connected to the network module and the database, the network The module is electrically connected to a payer device, a payee device and a server through a network. The electronic payment method includes: receiving a payment request; and transmitting a payment message to the payment request a payer device for causing the payer device to display the payment message and a confirmation trigger button; and receiving a confirmation message generated by the confirmation trigger button being triggered, and the confirmation message is from the payer Device. For example, the electronic payment method described in claim 1 further includes: generating a transaction record based on the confirmation message. The electronic payment method as described in claim 2, further comprising: updating the database according to the transaction record. The electronic payment method of claim 3, wherein the payment request is from the server. The electronic payment method of claim 4, further comprising: transmitting a payment notification to the payee device. The electronic payment method of claim 5, further comprising: transmitting a payment completion notification to the server. The electronic payment method of claim 3, wherein the payment request is from the payee device. The electronic payment method of claim 7, further comprising: transmitting a payment notification to the payee device. The electronic payment method as described in claim 6 or 8, further comprising: transmitting a transaction completion notice to the payer device. The electronic payment method of claim 9, wherein the payment message includes a payment amount and a payment details. An electronic payment system is electrically connected to a payer device, a payee device and a server through a network. The electronic payment system includes: a network module electrically connected through the network Up to the payer device, the payee device and the server, the network module is configured to receive a payment request; a processor is configured to analyze the payment request, and generate a request according to the payment request a payment message; and a database electrically connected to the processor and the network module; wherein when the processor generates the payment message, the processor controls the network module to transmit the payment message to the payer device And causing the payer device to display the payment message and a confirmation trigger button; when the payment message is transmitted to the payer device, and the confirmation trigger button is triggered, the network module receives a confirmation message, the confirmation The message is generated by the confirmation trigger button being triggered, and the confirmation message is from the payer device. The electronic payment system of claim 11, wherein when the network module receives the confirmation message, the processor generates a transaction record according to the confirmation message. The electronic payment system of claim 12, wherein the processor updates the database based on the transaction record. The electronic payment system of claim 13, wherein the payment request is from the server. The electronic payment system of claim 14, wherein when the network module receives the confirmation message, the processor generates a payment notification, and controls the network module to transmit the payment notification to the Payee device. The electronic payment system of claim 15, wherein when the network module receives the confirmation message, the processor generates a payment completion notification and controls the network module to transmit the payment completion notification. To the server. The electronic payment system of claim 13, wherein the payment request is from the payee device. The electronic payment system of claim 17, wherein when the network module receives the confirmation message, the processor generates a payment notification, and controls the network module to transmit the payment notification to the Payee device. The electronic payment system of claim 16 or claim 18, wherein when the network module receives the confirmation message, the processor generates a transaction completion notification and controls the network module to transmit the transaction. Complete the notification to the payer device. The electronic payment system of claim 19, wherein the payment message includes a payment amount and a payment details.