TWI544430B - Business-side trading device and third-party certification trading system - Google Patents

Description

Merchant-side transaction device and third-party authentication transaction system

The invention relates to a transaction device and a transaction system, in particular to a third party certified merchant transaction device and a third party authentication transaction system.

Existing stores with physical storefronts, after consumers select good products in the store, they also need consumers to pay at the counter to complete the transaction, but the store staff has a limited checkout speed, and once the store has more purchases, it will lead to The clerk cannot check all the consumer's goods at a time, so the consumer must wait in line for payment, so that the consumer wastes a lot of time in the queue. If the store wants to solve the queuing problem and add a checkout counter, it needs another Hiring checkouts and increasing the cost of hiring people, so the existing store's trading methods still need to be improved.

Accordingly, it is an object of the present invention to provide a merchant transaction device that does not require queued checkout.

Accordingly, it is another object of the present invention to provide a third party authentication transaction system that does not require queued checkout.

Therefore, it is still another object of the present invention to provide a need without A merchant transaction device that queues for checkout.

Accordingly, it is yet another object of the present invention to provide a third party authentication transaction system that does not require queued billing.

Therefore, the merchant transaction device of the present invention is applicable to being implemented in a store and connected to a server device and a handheld terminal, wherein the handheld terminal can obtain at least one product information from the products in the store to generate and send a product containing the product. The transaction notification of the information, and a payment notification with a transaction code sent to the server device, the merchant transaction device comprising: a wireless communication unit, a transaction receiving unit, a transaction verification unit, and a transaction confirmation unit.

The wireless communication unit can generate a communication range located in the store and can be connected to a handheld terminal located within the communication range for data transmission. The transaction receiving unit can receive the transaction notification sent by the handheld terminal through the wireless communication unit, generate the transaction code according to the transaction notification, and send the transaction code to the handheld terminal through the wireless communication unit. The transaction verification unit may be triggered by the verification request sent by the server device when the payment notification is received, and the transaction code generated by the transaction receiving unit and the transaction code in the verification request are Compare and return a confirmation message to the server when the match is met. The transaction confirmation unit may receive an authorization code issued by the server when receiving the confirmation message, and may be operated to issue a deduction request with the authorization code to the server, and the server device performs deduction. paragraph.

Thus, the third-party authentication transaction system of the present invention is applicable to being implemented in a store and connected to a handheld terminal from which the handheld terminal can The goods in the store obtain at least one product information to generate and send a transaction notification containing the product information, and send a payment notice with a transaction code, the third-party authentication transaction system includes a servo device, and a The merchant transaction device described. The servo device is connectable to the handheld terminal and includes a deduction unit and a service unit. The deduction unit can be driven for deduction. The service unit sends a verification request with the transaction code to the merchant transaction device upon receiving the payment notification issued by the handheld terminal, and can receive the returned message from the merchant transaction device. When the message is confirmed, an authorization code is sent to the merchant transaction device, and the debit unit is also driven to deduct when receiving a debit request from the merchant transaction device.

Therefore, the merchant transaction device of the present invention is applicable to being implemented in a store and connected to a server device and a handheld terminal, wherein the handheld terminal can obtain at least one product information from the products in the store to generate and send a product containing the product. The transaction notification of the information, and a payment notification with a transaction code sent to the server device, the merchant transaction device comprising: a wireless communication unit, a transaction receiving unit, and a transaction verification unit.

The wireless communication unit can generate a communication range located in the store and can be connected to a handheld terminal located within the communication range for data transmission. The transaction receiving unit can receive the transaction notification sent by the handheld terminal through the wireless communication unit, generate the transaction code according to the transaction notification, and send the transaction code to the handheld terminal through the wireless communication unit. The transaction verification unit can receive the payment notification by the server device At the time, a verification request with the transaction code is triggered, and the transaction code generated by the transaction receiving unit is compared with the transaction code in the verification request, and a confirmation message is sent back when the comparison is matched. The servo device is charged by the servo device.

Therefore, the third-party authentication transaction system of the present invention is applicable to being implemented in a store and connected to a handheld terminal, wherein the handheld terminal can obtain at least one product information from the products in the store to generate and send a transaction containing the product information. Notification, and may send a payment notice with a transaction code, the third party authentication transaction system includes a server device, and one of the merchant transaction devices. The servo device is connectable to the handheld terminal and includes a deduction unit and a service unit. The deduction unit can be driven for deduction. The service unit sends a verification request with the transaction code to the merchant transaction device upon receiving the payment notification issued by the handheld terminal, and can receive the returned message from the merchant transaction device. When the message is confirmed, an authorization code is sent to the merchant transaction device, and the debit unit is also driven to deduct when receiving a debit request from the merchant transaction device.

1‧‧‧Servo

11‧‧‧ Account Database

12‧‧‧Service Unit

13‧‧‧Deduction unit

2‧‧‧Business transaction device

21‧‧‧Wireless communication unit

22‧‧‧Transaction receiving unit

23‧‧‧Transaction Verification Unit

24‧‧‧Transaction Confirmation Unit

25‧‧‧Transaction record unit

26‧‧‧Transaction inquiry unit

27‧‧‧Printing unit

80~82‧‧‧ stage

801~802‧‧‧Steps

811~814‧‧‧Steps

821~824‧‧‧Steps

900‧‧‧Handheld terminal

Other features and advantages of the present invention will be apparent from the embodiments of the present invention. FIG. 1 is a functional block diagram illustrating the system architecture of a first embodiment of the third party authentication transaction system of the present invention; 2 is a timing chart showing the operation between a handheld terminal and the merchant transaction device of the first embodiment, and a servo device. FIG. 3 is a functional block diagram illustrating a system architecture of a second embodiment of the third party authentication transaction system of the present invention; and FIG. 4 is a timing flowchart illustrating a handheld terminal and a second embodiment The business transaction process between the merchant transaction device and a server device.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1 and FIG. 2, the first embodiment of the third-party authentication transaction system of the present invention is applicable to a store having a physical storefront, and the signal is connected to a handheld terminal 900. The handheld terminal 900 is a smart phone or tablet that a consumer can carry with him, and can be operated to scan a one-dimensional bar code or a two-dimensional bar code on several items in the store to obtain several product information. Each product information may include a product name, a product price, and the like. Of course, an identification component that can be disposed on the product and read the product information through the radio frequency technology has appeared on the market. Therefore, the handheld terminal 900 can also be implemented. Radio frequency technology to obtain such merchandise information from identification elements on such merchandise. After obtaining the product information, the handheld terminal 900 can be operated by the consumer to send a transaction notification containing the product information to the third party authentication transaction system, and can send a payment notification to the third party authentication transaction system. The payment notification folder carries a transaction code and an account number. The account serial number may be a stored value serial number, a credit card serial number, a coupon serial number, a coupon number, a point number, etc., and is not limited to the above content. supplement It is indicated that the consumer can scan only one item in the store to obtain a product information, and operate the handheld terminal 900 to send the transaction notification containing the product information to the third-party authentication transaction system, which can be consumed. The amount of goods purchased by the person to be traded is not limited to this embodiment.

The third party authentication transaction system includes a server device 1 and a merchant transaction device 2.

The server device 1 is connected between the handheld terminal 900 and the merchant transaction device 2 via a network communication protocol, and includes an account database 11, a service unit 12, and a debit unit 13.

The account database 11 is registered with a plurality of account serial numbers, and stores a plurality of account data corresponding to the account serial numbers. The account information can be the data of the stored value account, the information of the credit card account, the information of the coupon, the information of the coupon, and the information of the points.

When receiving the payment notification sent by the handheld terminal 900, the service unit 12 confirms whether the account serial number in the payment notification is registered, and sends a folder when confirming that the account serial number is registered. The verification request of the transaction code is sent to the merchant transaction device 2. And receiving an acknowledgement message returned by the merchant transaction device 2, generating the authorization code bound to the payment notification, and transmitting the authorization code to the merchant transaction device 2. If the account serial number is not registered or an error message returned by the merchant transaction device 2 is received, the service unit 12 returns a non-transaction message to the handheld terminal 900. The service unit 12 will also receive the receipt of the authorization code by the merchant transaction device 2 after receiving the authorization code. When a request for deduction of the authorization code is received, the deduction unit 13 is driven to perform deduction.

When the debit unit 13 is driven to perform deduction, the account information is compared from the account database 11 according to the account number of the payment notification bound to the authorization code, so as to debit the account data. And after the deduction is completed, a completion code is generated, and the completion code is sent to the merchant transaction device 2 and the handheld terminal 900. If the debit unit 13 does not receive the debit request for a period of time, or the account information cannot be debited, for example, the money is insufficient, the debit unit 13 returns a non-debitable message to the merchant transaction. Device 2 and the handheld terminal 900.

The merchant transaction device 2 includes a wireless communication unit 21, a transaction receiving unit 22, a transaction verification unit 23, a transaction confirmation unit 24, a transaction recording unit 25, a transaction inquiry unit 26, and a printing unit 27.

The wireless communication unit 21 can generate a communication range located in the store and can be connected to the handheld terminal 900 located within the communication range for data transmission. The wireless communication unit 21 and the handheld terminal 900 can be connected by wireless communication technologies such as Bluetooth, iBeacon, ZigBee, NFC, RDS or RFID, but not limited to the above.

The transaction receiving unit 22 can receive the transaction notification sent by the handheld terminal 900 through the wireless communication unit 21, and generate the transaction code according to the transaction notification time and other parameters, and then send the transaction code through the wireless communication unit 21. The handheld terminal 900 is provided.

The transaction verification unit 23 can be received by the service unit 12 The verification request sent with the transaction code sent by the payment notification is triggered, and the transaction code generated by the transaction receiving unit 22 is compared with the transaction code in the verification request, and is returned when the comparison is matched. The confirmation message is sent to the service unit 12, and the error message is returned to the service unit 12 when the comparison does not match.

The transaction confirmation unit 24 can receive the authorization code issued by the service unit 12 and can be operated to issue the debit request with the authorization code to the server device 1. In addition, the transaction confirmation unit 24 also records a transaction detail and an invoice certificate in the transaction recording unit 25 upon receiving the completion code generated by the server 1 to complete the deduction, and the transaction details and the invoice certificate. Bind to the completion code. Of course, the completion code can also be sent by the transaction confirmation unit 24 to the handheld terminal 900, and the server device 1 does not have to send the completion code to the handheld terminal 900.

The transaction inquiring unit 26 can receive, via the wireless communication unit 21, a completion code sent by the handheld terminal 900 by using a wireless communication technology such as Bluetooth, iBeacon, ZigBee, NFC, RDS or RFID, and according to the handheld terminal 900 The completion code is compared from the transaction record unit 25 to the corresponding transaction details and invoice certificate, and the print unit 27 is driven to print the transaction details and/or the invoice certificate. Of course, the form of the completion code can also be sent by using a barcode format. At this time, the transaction inquiry unit 26 must have a barcode scanning module, and the handheld terminal 900 can generate and display a two-dimensional barcode corresponding to the completion code. For the barcode scanning module to scan and read the completion code, the transaction query unit 26 compares the corresponding transaction from the transaction recording unit 25 according to the read completion code. The details of the invoice and the invoice are not limited to this embodiment.

The transaction flow of the third-party authentication transaction system of the present invention is as follows:

Stage 80: Optional items can be divided into two steps 801, 802. Step 801: The handheld terminal 900 can obtain the product information from the products in the store, and send a transaction notification containing the product information in the communication range in the store. Step 802: When receiving the transaction notification sent by the handheld terminal 900, the merchant transaction device 2 generates the transaction code according to the transaction notification and the received time, and sends the transaction code to the handheld Terminal 900.

Specifically, when the consumer enters the store to purchase the product, the handheld terminal 900 scans the products to obtain the product information of the products, and uses the handheld terminal 900 to settle the total amount of the products, and then The handheld terminal 900 enters the communication range to connect to the merchant transaction device 2, and transmits the transaction notification to obtain the transaction code corresponding to the commodity, and the communication range can be used to confine the consumer to the store to avoid Since the consumer connects to other stores, the goods in the store are traded in other stores, and it is also known that the user is located in the store for trading.

Stage 81: Making a payment can be divided into four steps 811-814. Step 811: The handheld terminal 900 sends the payment notification with the transaction code and the account serial number to the server device 1. When the server device receives the payment notification sent by the handheld terminal 900, the payment notification is confirmed. Whether the account number in the account is registered. Step 812: Confirm the account order When the number is registered, the server 1 sends the verification request with the transaction code to the merchant transaction device 2, and when the merchant transaction device 2 receives the verification request, the transaction generated by step 802 is generated. The transaction code is compared with the transaction code in the verification request. Step 813: When the merchant transaction device 2 matches the comparison, the confirmation message is returned to the server device 1. Step 814: When receiving the confirmation message, the server 1 generates the authorization code and binds the authorization code to the payment notification, and then transmits the authorization code to the merchant transaction device 2.

Specifically, when the transaction code is obtained by the consumer, the account serial number, such as the serial number of the stored value, may be input to the handheld terminal 900, and the account serial number and the transaction code are carried to the payment notification and sent to the server device 1 . After receiving the payment notification, the server device 1 uses the verification request to confirm whether the transaction is present to the merchant transaction device 2, and after the merchant transaction device 2 confirms that the transaction is indeed present, the authorization is transmitted. The code is sent to the merchant transaction device 2 to authorize the merchant transaction device 2 to debit. In this way, the server 1 can confirm whether the account number of the consumer actually exists, and the merchant transaction device 2 cannot obtain the account number of the consumer to protect the account data of the consumer.

Stage 82: Confirmation of deduction can be divided into four steps 821~824. Step 821: The merchant transaction device 2 can be operated to issue a debit request with the authorization code to the server device 1. The server device 1 will be bound according to the authorization code when receiving the debit request. The account serial number of the payment notification is compared from the account database 11 to debit the account data, and the completion code is generated when the debit is completed. step Step 822: The server 1 sends the completion code to the merchant transaction device 2, and when the merchant transaction device 2 receives the completion code generated when the server device 1 completes the deduction, it records the corresponding time. The transaction details of the transaction and the invoice certificate, and the transaction details and the invoice certificate are bound to the completion code. Step 823: The servo device 1 sends the completion code to the handheld terminal 900. It is added that the implementation step 823 can also send the received completion code to the handheld terminal 900 through the merchant transaction device 2 . Step 824: The merchant transaction device 2 can receive the completion code sent by the handheld terminal 900 and compare the corresponding transaction details and the invoice certificate according to the completion code, and drive the printing unit 27 to print the transaction details and/or Or the invoice certificate is printed out.

Specifically, when the merchant transaction device 2 receives the authorization code, it can select whether to perform the deduction. If the deduction is not made, the transaction cannot be completed, and if the deduction is selected, the transaction will be transmitted. The deduction request is made to the servo device 1. Finally, when the server completes the debit, the consumer's handheld terminal 900 receives a completion code corresponding to the transaction. Then, the user can send the completion code to the merchant transaction device 2 through the handheld terminal 900 by using a wireless or barcode format, and the merchant transaction device 2 will perform the transaction according to the completion code sent by the handheld terminal 900. The transaction details and/or proof of invoice are printed. Of course, step 824 may also be omitted in the implementation, that is, the step of printing the invoice is omitted, and the merchant transaction device 2 may not include the printing unit 27.

In summary, the third party authentication transaction system of the present invention, by the design of the server device 1 and the merchant transaction device 2, is profitable to consumers. The handheld terminal 900 scans and reads the barcode or identification component on the commodity to actively trade with the merchant transaction device 2 to save the time for queued checkout, and also saves the labor cost of the merchant hiring the checkout personnel. In addition, the communication range generated by the wireless communication unit 21 can confine the consumer to the store, so as to avoid the consumer connecting to other stores, and the goods in the store can be traded in other stores. By allowing the user to confirm that they are transacting in the store, it is indeed possible to achieve the object of the present invention.

Referring to FIG. 3 and FIG. 4, the second embodiment of the third-party authentication transaction system of the present invention is substantially the same as the structure of the first embodiment, except that the merchant-side transaction device 2 does not include the transaction confirmation unit, and the Upon receiving the confirmation message returned by the merchant transaction device 2, the service unit 12 directly drives the debit unit 13 to perform deduction. When the debit unit 13 is driven to perform deduction, the payment notification is based on the payment notification. The account serial number is compared from the account database 11 to debit the account data.

Therefore, the stage 81 only subdivides the steps 811 to 812, and the step 821 of the stage 82 is that when the merchant transaction device 2 matches the comparison in step 812, the confirmation message is returned to the servo device 1, the servo device. 1 will receive the confirmation message, compare the account data from the account database 11 according to the account number of the payment notification, and debit the account data, and generate the deduction when the deduction is completed. Completion code.

Specifically, in the embodiment, when the merchant transaction device 2 sends the confirmation message, it also requests the server device 1 to perform the deduction. Therefore, after confirming the transaction, the server device 1 directly Enter The line deduction is not required to be authorized to the merchant transaction device 2 as in the first embodiment, and then the merchant transaction device 2 decides whether to deduct the payment.

However, the above is only the embodiment of the present invention, and the scope of the present invention is not limited thereto, that is, the simple equivalent changes and modifications made by the patent application scope and the patent specification of the present invention are still It is within the scope of the patent of the present invention.

1‧‧‧Servo

11‧‧‧ Account Database

12‧‧‧Service Unit

13‧‧‧Deduction unit

2‧‧‧Business transaction device

21‧‧‧Wireless communication unit

22‧‧‧Transaction receiving unit

23‧‧‧Transaction Verification Unit

24‧‧‧Transaction Confirmation Unit

25‧‧‧Transaction record unit

26‧‧‧Transaction inquiry unit

27‧‧‧Printing unit

900‧‧‧Handheld terminal

Claims (9)

A merchant-side transaction device, suitable for being implemented in a store with a physical storefront, and connected to a server device and a handheld terminal carried by the consumer, the handheld terminal can scan a one-dimensional bar code or two-dimensional on the goods in the store Bar code, or obtain at least one product information from the identification component on the goods through radio frequency technology, to generate and send a transaction notification containing the product information, and send a payment notice with a transaction code to the servo The device, the merchant transaction device comprises: a wireless communication unit capable of generating a communication range located in the store and being connectable to a handheld terminal located within the communication range for data transmission; a transaction receiving unit Receiving, by the wireless communication unit, the transaction notification sent by the handheld terminal, and generating the transaction code according to the transaction notification, and transmitting the transaction code to the handheld terminal through the wireless communication unit; a transaction verification unit can be used by the server device One of the transactions sent when the payment notification was received The verification request is triggered, and the transaction code generated by the transaction receiving unit is compared with the transaction code in the verification request, and a confirmation message is sent back to the server when the comparison is matched; and a transaction confirmation unit, Receiving an authorization code issued by the servo device when receiving the confirmation message, and being operable to issue a deduction request with the authorization code to the servo device, by the servo The device is charged. The merchant transaction device of claim 1, wherein the transaction confirmation unit receives a completion code generated and transmitted by the server when the payment is completed. The merchant transaction device according to claim 2, the handheld terminal receives the completion code generated and sent by the server device when the payment is completed, and can send the completion code to the merchant transaction device, wherein the merchant terminal The transaction device further includes a transaction record unit, a transaction inquiry unit, and a printing unit, and the transaction confirmation unit records the same in the transaction record unit when receiving the completion code generated by the server device to complete the deduction Completing the transaction details of the code binding and an invoice certificate, the transaction inquiry unit may receive the completion code sent by the handheld terminal, and compare the corresponding transaction details and the invoice certificate from the transaction record unit according to the completion code. And driving the printing unit to print out the transaction details and/or the invoice certificate. A third-party authentication transaction system adapted to be implemented in a store having a physical storefront and connected to a handheld terminal carried by a consumer, the handheld terminal being capable of scanning a one-dimensional bar code or a two-dimensional bar code on an item in the store, or Obtaining at least one product information from the identification component on the goods by radio frequency technology to generate and send a transaction notification containing the product information, and sending a payment notice with a transaction code, the third party authentication transaction The system comprises: a server device, and a merchant transaction device according to any one of claims 1 to 3, wherein: The servo device is connectable to the handheld terminal, and includes: a debiting unit that can be driven for deduction, and a service unit that sends a clip when receiving the payment notification sent by the handheld terminal The verification request of the transaction code is sent to the merchant transaction device, and when receiving a confirmation message returned by the merchant transaction device, an authorization code is sent to the merchant transaction device, and the merchant is also received. The debit unit is driven to deduct a charge request from the transaction device. The third-party authentication transaction system of claim 4, wherein the server further includes an account database, the account database is registered with a plurality of account serial numbers, and a plurality of account data corresponding to the account serial numbers are stored, The payment notification transmitted by the handheld terminal is also accompanied by an account serial number. When receiving the payment notification, the service unit confirms whether the account serial number in the payment notification is registered, and when confirming that the account serial number is registered, The service unit sends the verification request to the merchant transaction device, and upon receiving the confirmation message, generates the authorization code bound to the payment notification, and sends the authorization code to the merchant transaction device, the service When receiving the debit request, the unit may drive the debit unit to compare the account data from the account database according to the account serial number in the payment notification bound to the authorization code, to the account Information is debited. A merchant-side transaction device suitable for implementation in a store with a physical storefront and connected to a server device and a handheld device carried by the consumer a terminal, the handheld terminal may obtain at least one product information from a one-dimensional barcode or a two-dimensional barcode on an item in the store, or from a recognition component on the commodity through a radio frequency technology to generate and send a A transaction notification of the commodity information, and a payment notification with a transaction code sent to the server device, the merchant transaction device comprising: a wireless communication unit capable of generating a communication range located in the store and available for location The handheld terminal in the communication range is connected for data transmission; a transaction receiving unit can receive the transaction notification sent by the handheld terminal through the wireless communication unit, and generate the transaction code according to the transaction notification, and transmit the transaction code through the wireless communication The unit sends the transaction code to the handheld terminal; and a transaction verification unit can be triggered by the verification request sent by the server when the payment notification is received, and the transaction receiving unit generates The transaction code is compared with the transaction code in the verification request, and when the comparison matches A transmission confirmation message to the servo means, the servo means carried by the charge. The merchant transaction device of claim 6, the handheld terminal receives a completion code generated and sent by the server when the payment is completed, and can send the completion code to the merchant transaction device, wherein the The merchant transaction device further includes a transaction record unit, a transaction inquiry unit, and a printing unit, and the merchant transaction device receives the completion code generated by the server device after the receipt of the charge, in the transaction record Recording unit records a transaction detail bound with the completion code and an invoice certificate, and the transaction inquiry unit can receive the completion code sent by the handheld terminal, and compare corresponding to the transaction record unit according to the completion code. Transaction details and proof of invoice, and drive the printing unit to print out the transaction details and/or the invoice certificate. A third-party authentication transaction system adapted to be implemented in a store having a physical storefront and connected to a handheld terminal carried by a consumer, the handheld terminal being capable of scanning a one-dimensional bar code or a two-dimensional bar code on an item in the store, or Obtaining at least one product information from the identification component on the goods by radio frequency technology to generate and send a transaction notification containing the product information, and sending a payment notice with a transaction code, the third party authentication transaction The system includes: a server device, and a merchant transaction device according to any one of claims 6 to 7, wherein: the server device is connectable to the handheld terminal, and includes: a debit unit that can be driven And the debit payment, and a service unit, when receiving the payment notification sent by the handheld terminal, sending a verification request with the transaction code to the merchant transaction device, and receiving the merchant transaction When the device returns a confirmation message, the debit unit is driven to deduct. The third party authentication transaction system of claim 8, wherein the server device further comprises an account database, the account database is registered with a plurality of account serial numbers, and the plurality of accounts corresponding to the account serial numbers are respectively stored. The payment notification sent by the handheld terminal is also accompanied by an account serial number. When receiving the payment notification, the service unit confirms whether the account serial number in the payment notification is registered, and confirms that the account serial number is already When registering, the verification request is sent to the merchant transaction device, and when receiving the confirmation message, the service unit further drives the debit unit to compare from the account database according to the account serial number in the payment notification. The account information is issued to debit the account information.