TWI592887B - Online payment method - Google Patents

Description

Online payment method

The present invention relates to an online payment method, and more particularly to an online payment method for confirming whether a payment account is associated with a shopping account before payment.

In the era when the Internet is not yet popular, when people buy goods, they almost use shopping and viewing advertisements to obtain product information, and then decide whether to continue to complete consumer behavior based on the obtained product information, but such practices It will consume a lot of people's time. In the busy society, shopping and watching advertisements have gradually become an activity that modern people can't take time out.

Therefore, under the rapid development of network technology, e-commerce has become a new form of business. The so-called e-commerce refers to the use of computer technology, network technology and telecommunications technology to electronically, digitize and network traditional business processes (including browsing goods, trading goods and payments). In the form of e-commerce, when people shop, they are no longer face-to-face with customers, looking at real goods and trading on valuables such as legal tender or credit cards, but connecting to the Internet through electronic devices. A browser or mobile application (APP, Mobile Application) browses the products on the Internet and makes purchases.

Despite the high popularity of Internet technology, mobile devices and electronic devices, more and more people today enjoy the convenience and convenience of e-commerce, and are keen to consume on the Internet in the form of e-commerce. And a quality e-commerce environment requires a secure and convenient payment pipeline as the most indispensable part of the e-commerce transaction process. Most of the e-commerce payment pipelines are conducted online. The so-called online payment refers to the fact that the buyers and sellers use the Internet platform or electronic payment platform to conduct transactions through the Internet and use electronic devices to network. The way to connect and receive the payment message and complete the transaction to provide a way for the buyers and sellers of e-commerce to secure the payment and payment of online shopping.

At present, most of the security of online payment depends on the security mechanism of the terminal device itself. The usual practice is to bind the user's payment account to the mobile phone number or e-mail address. When the user needs to pay, the payment server sends a message to the mobile phone number bound to the payment account, and the user then sends the message. The identification code is input into the payment webpage, and the payment server will pay the payment after confirming that the identification code is correct; or the account that automatically stores the payment program by the mobile phone automatically logs into the payment server when the payment is required.

However, if the user's mobile phone is lost, there will be a very large security concern in the online payment process, and the person who finds the mobile phone can easily use the mobile phone for online payment.

An object of the present invention is to provide an online payment method by associating a shopping account with a payment account and determining that the shopping account is associated with the payment account when the shopping application sends the shopping message and the shopping account to the payment application. Paying, in this way, can avoid the use of this phone for online payment when the mobile phone is lost.

In order to achieve the above-mentioned purposes and effects, an embodiment of the present invention discloses an online payment method for an electronic device having a shopping application and a payment application, the shopping application Having a shopping account, the payment application has a payment account, and the step includes: after the shopping application connects to the shopping server and logs in, the shopping server sends a shopping message including a transaction amount to the shopping a shopping application, the shopping application sends the shopping message and the shopping account to the payment application, the payment application connects to the payment server and logs in, and then determines that the payment account is associated with the shopping account, the payment The server pays the shopping server according to the transaction amount.

In an embodiment of the present invention, the step further includes: purchasing, by the shopping application, at least one product on the shopping server, the shopping application sending a corresponding shopping request to the shopping server; the shopping server is based on The at least one item purchased is calculated to obtain the transaction amount.

In an embodiment of the present invention, the step further includes: the payment server deducting the amount in the payment account according to the transaction amount, and generating a payment completion message; the shopping application receiving the payment completion message.

In an embodiment of the invention, the shopping application sends the payment completion message to the shopping server.

In an embodiment of the present invention, the payment application logs in to the payment server through the payment account and one of the payment passwords corresponding to the payment account.

In an embodiment of the present invention, after the payment server logs in to the payment server for a period of time, the payment server logs out of the payment account.

In an embodiment of the present invention, the shopping application logs in to the shopping server through the shopping account and one of the shopping passwords corresponding to the shopping account.

In an embodiment of the present invention, the payment account may be associated with at least one other shopping account.

10 electronic devices
101 shopping app
103 payment application
30 shopping server
50 payment server
70 network

First: it is a system block diagram of an online payment method according to a first embodiment of the present invention;
2 is a flowchart of an online payment method according to a first embodiment of the present invention; and a third diagram: a flowchart of an online payment method according to a second embodiment of the present invention.

In order to provide a better understanding and understanding of the features and the efficacies of the present invention, the preferred embodiment and the detailed description are as follows:

In the prior art, there is a great security concern in the process of online payment when the mobile phone is lost. The mobile phone can easily use the mobile phone to make online payment. Therefore, the present invention proposes an online payment method, which is The shopping account is bound to the payment account. When the online payment is made, it is confirmed that the shopping account is associated with the payment account and then the payment is made, thereby improving the security of the online payment.

First, the system required to achieve the online payment method of the present invention will be described. Referring to the first figure, it is a system block diagram of the online payment method according to the first embodiment of the present invention. As shown, the system required for the online payment method of the present invention comprises: an electronic device 10, a shopping server 30, and a payment server 50. The electronic device 10, the shopping server 30, and the payment server 50 are connected to each other through a network 70. The network 70 can be a wired network, a wireless network, or other network capable of data transmission. The electronic device 10 has a shopping application 101 and a payment application 103. The shopping application 101 has a shopping account. The shopping application 101 logs into the shopping server 30 through the network 70 and the shopping account. The payment application 103 has a shopping account. The payment application 103 logs into the payment server 50 via the network 70 and the payment account.

The electronic device 10 described above can be a smart phone, a personal digital assistant (PDA), a tablet computer, a notebook computer, a desktop computer or other electronic device capable of performing arithmetic and logic operations. The above-mentioned shopping server 30 and payment server 50 can be a server with a network connection function, an arithmetic and a logic operation function, such as a notebook computer, a desktop computer, a super computer, a network server, and a cloud server. The shopping application 101 and the payment application 103 described above are applications that can be executed by the electronic device 10.

The flow of the online payment method of the first embodiment of the present invention is described herein. Please refer to the first figure, which is a flowchart of the online payment method according to the first embodiment of the present invention. As shown in the figure, the online payment method of the embodiment includes the following steps:

Step S1: logging in to the shopping server;

Step S3: the shopping server sends the shopping message to the shopping application;

Step S5: sending the shopping message and the shopping account to the payment application;

Step S7: Login to the payment server

Step S9: determining that the payment account is associated with the shopping account;

Step S11: Making a payment.

Herein, the flow of the online payment method of the present invention is described. Please refer to the first figure and the second figure. When the user wants to use the online payment method of the present invention to purchase and pay online, the first step is to perform the step S1. The shopping application 101 is opened on the electronic device 10, and the shopping application 101 is connected to the shopping server 30 via the network 70. The input unit of the terminal operating device 10 inputs the shopping account and the corresponding shopping account. The password, the shopping application 101 sends the shopping account and the shopping password to the shopping server 30 via the network 70. After the shopping server 30 receives the shopping account and the shopping password, the shopping account is logged into the shopping server 30. For example, the input unit of the electronic device 10 described above may be a touch screen, an external keyboard or other device that can input data to the electronic device 10.

After logging in to the shopping server 30, step S3 is executed, the shopping server 30 sends a shopping message to the shopping application 101, and when the user uses the shopping application 101 to purchase the shopping server 30, when the user purchases at least one product, the shopping application The program 103 sends a corresponding shopping request to the shopping server 30. After receiving the shopping request, the shopping server 30 calculates a transaction amount based on the purchased at least one item, and the shopping server 30 sends a A shopping message containing the transaction amount to the shopping application 101. Then, in step S5, the shopping message and the shopping account are sent to the payment application 103, and the shopping application 101 sends the shopping account and the shopping information received from the shopping server 30 to the payment application 103.

Continuing the above, proceeding to step S7, logging in to the payment server, the payment application 103 is connected to the payment server 50 via the network 70, and inputting the payment account and the payment password of the corresponding payment account using the input unit of the terminal operating electronic device 10, and paying The application 103 sends a payment account and a payment password to the payment server 50 via the network 70. After receiving the payment account and the payment password, the payment server 50 causes the payment account to log into the payment server 50. After logging in to the payment server 50, step S9 is performed to determine that the payment account is associated with the shopping account, and the payment server 50 determines that the payment account is associated with the shopping account. In step S9, it is not limited to the payment server 50 determining that the payment account is associated with the shopping account, or the payment application 103 determines that the payment account is associated with the shopping account.

Following the above, proceeding to step S11 to perform payment, in this step, the payment application 103 is connected to the payment server 50 via the network 70, and the payment server 50 deducts the amount in the payment account according to the transaction amount, and generates a Payment completion message. The payment application 103 receives the payment completion message and sends a payment completion message to the shopping application 101, and the shopping application 101 transmits the payment completion message to the shopping server 30 via the network 70.

In this case, the online payment method of the first embodiment of the present invention is completed, and the association between the payment account and the shopping account is utilized, so that the online payment is confirmed to confirm whether the shopping account for the transaction is related to the payment account to be paid. When the electronic device is lost, the online payment can also be made because the shopping account, the payment account number, and the shopping password of the corresponding shopping account and the payment password of the corresponding payment account are required to be simultaneously obtained, thereby making the method of the present invention have high security. Sex.

Next, the online payment method of the second embodiment of the present invention is described. Referring to the third figure and the first figure, which is a flowchart of the online payment method according to the second embodiment of the present invention, the difference from the first embodiment lies in This embodiment further includes step S10 and step S101, and the rest are the same as the first embodiment, and details are not described herein again.

In step S10, the payment server 50 determines whether the payment account has been logged in for a period of time (for example, 10 minutes). If not, the online payment is continued. If yes, step S11 is executed to log out of the payment server 50 and the payment server. 50 automatically logs the payment account out of the payment server 50 after determining that the payment account has been logged in for a period of time without action. If the payment is made after logging out of the payment server 50, the payment server 50 will request to re-enter the payment account and the payment password of the corresponding payment account.

With the present embodiment, it is possible to prevent the payment server 50 from being logged out of the payment server 50 or forgetting to close the payment application 103, so that he has a chance to use the electronic device 10 that has logged into the payment server 50 to make an online payment.

The following is an example of the online payment method of the first embodiment of the present invention. In the first and second figures, a user opens a shopping application on a smart phone (equivalent to the electronic device 10). (equivalent to the shopping application 101), the shopping application is connected to the shopping server (equivalent to the shopping server 30) via the wireless network of the smart phone (equivalent to the network 70), and the user inputs the shopping account and the shopping password. The shopping application sends the shopping account and the shopping password to the shopping server via the wireless network. After the shopping server receives the shopping account and the shopping password, the shopping account is logged into the shopping server (equivalent to step S1).

Following the above, the user browses the products provided by the shopping server through the shopping application of the smart phone, and operates the shopping application to purchase a desktop computer with a price of 30,000 yuan. The shopping application sends to purchase this. The shopping request of the desktop computer is sent to the shopping server, and after the shopping server receives the shopping request, the transaction amount is calculated to be 30,000 yuan, and the shopping message containing the transaction amount is sent to the shopping application (equivalent to step S3), the shopping application After receiving the shopping message, the payment application (equivalent to the payment application 103) in the smart phone is woken up and the shopping message and the shopping account are sent to the payment application (equivalent to step S5).

Following the above, the payment application connects to the payment server via the wireless network of the smart phone (equivalent to the server 50), the user inputs the payment account and the payment password, and the payment application sends the payment account via the wireless network. After the payment server receives the payment account and the payment password, the payment server logs the payment account to the payment server (corresponding to step S7), and the payment server determines that the payment account is associated with the shopping account (corresponding to step S9). The payment server deducts the amount in the payment account according to the transaction amount sent by the payment application, and generates a payment completion message (equivalent to step S11), the payment application receives the payment completion message, and sends a payment completion message to the shopping application. The shopping application sends a payment completion message to the shopping server via the network, and the user completes the online payment.

In an embodiment of the present invention, the payment account may be associated with at least one other shopping account, or may be accessed by entering the at least another shopping account to log in to the shopping server and performing online payment by the payment account, thereby A payment account is shared with multiple members. For example, if a family has a payment account, multiple members can use their respective shopping accounts to shop on the shopping application and enter the payment account when the payment is to be made.

In an embodiment of the present invention, the payment application account and the payment password corresponding to the payment account and the purchase account to be associated are input in the payment application 103, and the payment application associates the payment account with the shopping account and associates the relationship with the purchase account. The electronic device 10 is stored or/and the association is uploaded to the payment server 50 for storage or/and the association is stored in a database.

In an embodiment of the present invention, the payment account and the payment password corresponding to the payment account and the shopping account to be associated and the shopping password corresponding to the shopping account are entered in the payment application 103.

In an embodiment of the present invention, the user only needs to input the shopping account when logging in to the shopping server 30 through the shopping application 101 for the first time on the electronic device 10. The shopping application 101 stores the shopping account and then logs in. When shopping server 30 is automatically filled in the shopping account, the user only needs to enter the shopping password.

In an embodiment of the present invention, the user only needs to input the shopping account and the shopping password when logging in to the shopping server 30 through the shopping application 101 on the electronic device 10 for the first time, and the shopping application 101 stores the shopping account and the shopping. The password is automatically sent to the shopping server 30 to log in to the shopping server 30 when the shopping server 30 is to be logged into the shopping server 30.

In an embodiment of the present invention, the user only needs to input the payment account when logging in to the payment server 50 through the payment application 103 on the electronic device 10 for the first time, and the payment application 103 stores the payment account, and then logs in. When the server 50 is paid, the payment account is automatically filled in, and the user only needs to input the payment password.

The above is only the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and the variations, modifications, and modifications of the shapes, structures, features, and spirits described in the claims of the present invention. All should be included in the scope of the patent application of the present invention.

The invention is a novelty, progressive and available for industrial use, and should meet the requirements of the patent application stipulated in the Patent Law of China, and the invention patent application is filed according to law, and the prayer bureau will grant the patent as soon as possible. prayer.

no

Claims (8)

An online payment method is applied to an electronic device having a shopping application and a payment application, wherein the shopping application has a shopping account, and the shopping application can use the network and the shopping account. Logging in to a shopping server, and the payment application has a payment account, the payment application can log in to a payment server through the network and the payment account, and the method comprises the steps of: logging in to the shopping account After the server, the shopping server can send a shopping message to the shopping application when receiving the shopping request from the shopping application, the shopping message includes a transaction amount; the shopping application sends the shopping message and the a shopping account to the payment application; after the payment account is logged into the payment server, the payment server determines, by the payment application, that the payment account is associated with the shopping account; and the payment server pays according to the transaction amount The shopping server. The online payment method of claim 1, wherein after the shopping account is logged into the shopping server, the shopping server can send a shopping message when receiving a shopping request from the shopping application. The step of the shopping application further includes: purchasing at least one product on the shopping server through the shopping application, and the shopping application sends a corresponding shopping request to the shopping server; the shopping server is selected according to the purchase The at least one item is calculated to obtain the transaction amount. The online payment method of claim 1, wherein the step of the payment server granting the shopping server according to the transaction amount further comprises: the payment server deducting the payment account amount according to the transaction amount The payment amount is generated and a payment completion message is transmitted to the payment application; the shopping application receives the payment completion message through the payment application. The online payment method of claim 3, wherein the shopping application sends the payment completion message to the shopping server. The online payment method of claim 1, wherein the payment application logs in to the payment server through the payment account and a payment password corresponding to the payment account. The online payment method of claim 5, wherein the payment server logs out of the payment account after the payment server logs into the payment server for a period of time. The online payment method of claim 1, wherein the shopping application logs in to the shopping server through the shopping account and a shopping password corresponding to the shopping account. The online payment method of claim 1, wherein the payment account is further associated with at least one other shopping account.