TWM585383U - Payment system for cross-wallet or cross-payment platform - Google Patents

Abstract

This creation is to provide a payment system across wallets or payment platforms. With the establishment of a common payment processing platform, the sales end can scan the payment barcodes of different financial institutions by using the same scanning device and payment system specifications. Make the wallets interoperable, and after completing the transaction, the payment common processing platform will immediately respond to the sales end to reduce the burden on the sales end.

Description

Payment system across wallets or payment platforms

This creation is about a mobile payment system, especially a cross-wallet or cross-payment platform payment system.

With the advancement of science and technology in the era, people's transaction behavior has continuously evolved, from the original barter model to cash transactions. In response to the advent of the digital age, payment methods have gradually moved to non-cash transactions. In recent years, a trend of reducing the use of cash has emerged around the world, scrambling to promote electronic payment solutions such as mobile payments, credit cards, and financial cards, in an attempt to realize de-banking. The evolution of mobile payment applications in science and technology is dramatically affecting people's lives, and various types of business activities cannot be kept aside.

Mobile payments will enable merchants to reduce the risks and costs of storing cash, and consumers will also enjoy the convenience of not having to carry cash and experience the convenience and benefits brought by mobile finance; the new business model will not only speed up transaction transaction rates, but also be economical and convenient. The government grasps the ins and outs of taxation and reduces the size of the underground economy.

According to statistics from the Institute of Industrial Intelligence (MIC) of the Information Industry Policy Association, the Nordic countries are currently the least dependent on cash, and have moved towards a "cashless society", while approximately half of the UK and China use mobile payments; There are still most countries such as the US dollar area, the Euro area, and even China. The use of mobile payment is still low, indicating that there is still great room for growth in the mobile payment market!

However, with the popularity of smartphones, China ’s “mobile payment” basic environment is gradually taking shape. According to the National Development Commission ’s “105-Year Survey of Digital Opportunities for Mobile Phone Holders” report, 94.6% of the online population holds smartphones, and Internet access rate via mobile phones (83.1%) surpassed computers (80.4%) for the first time in 105 years; the report also pointed out that an average of 64 people per 100 people scanned the QR Code through mobile phones, 46 people made online purchases through mobile phones, and 35 people used mobile phones to complete Pay online.

In addition, referring to the "Mobile Payment Consumer Survey" report released by the Information Industry Policy Research Institute (MIC) in February 2017, 80.2% of domestic consumers are willing to start or continue to use mobile payment in the future. For mobile payment users, 96.1% are willing to continue to use it. Compared to cash or physical cards, the proportion of users who are willing to pay by mobile payment has also increased from 59.4% in 2015 to 66.1% in 2016; the proportion of non-users It also climbed from 19.2% in 2015 to 30.0% in 2016.

It shows that the overall market's preference for mobile payment has increased significantly. Further analysis of mobile payment user behaviors shows that QR code (67.8%) is the most popular mobile payment solution chosen by users, followed by NFC (42.3%).

On the whole, QR Code payment has become the main application mode of O2O in the era of mobile payment. The simple, fast, and low-cost features have made QR Code widely and diversely used today.

However, with the rapid development of mobile payment, because the scanning code payment systems of each mobile payment industry have their own specifications, this single specification can only be applied to a single or a few APPs, making it impossible for different wallets. Interoperability, causing the store to develop for different mobile payment providers to support different wallets. For consumers, they also face the situation that the store does not support the wallet used.

Therefore, in order to improve the current situation of mobile payment booming, stores need to develop for different mobile payment providers to support different wallets. This is a problem to be overcome by technicians in related fields.

The main purpose of this creation is to provide a cross-wallet or cross-payment platform payment system, so that stores only need to implement a mobile payment specification, and can simultaneously support mobile wallets with different wallets and different payment tools.

In order to achieve the above purpose, this creation discloses a payment system across wallets or payment platforms, including: a consumer end; a sales end, which uses a scanning device to capture a first payment barcode or a payment end of the consumer end; When the second payment bar code, one of the first payment bar code and the second payment bar code and a transaction information are transmitted, wherein the first payment bar code includes a first identification information and a first verification information, the The second payment barcode includes a second identification information and a second verification information; a payment common processing platform is to transmit and receive the transaction information and the first payment after receiving and verifying the first identification information or the second identification information Bar code or transmit the transaction information and the second payment barcode; a first financial institution, after receiving and verifying the first verification information, completes the transaction according to the transaction information and the first payment barcode, and transmits a first transaction result To the payment common processing platform; and a second financial institution, after receiving and verifying the second verification information, based on the transaction information and the second payment barcode Complete the transaction, and send a second transaction result to the payment common processing platform; wherein the payment common processing platform receives the first transaction result or the second transaction result of the first financial institution or the second financial institution, and Send to this sales end.

This creation provides an embodiment, whose content is that in the payment system, the first payment barcode and the second payment barcode are one-time one-dimensional or two-dimensional barcodes.

The present invention provides an embodiment in which the first identification information in the payment system is an identification code and corresponds to the first financial institution.

The present invention provides an embodiment in which the content is that in the payment system, the second identification information is an identification code and corresponds to the second financial institution.

In order to make the reviewing committee members have a better understanding and understanding of the characteristics of this creation and the effect achieved, I would like to provide examples and cooperation descriptions, as described below:

In light of the impact that stores need to be developed for different mobile payment providers to support different wallets. Based on this, the author proposes a payment system across wallets or payment platforms to solve the problems caused by the conventional technology.

The following will further explain the features included in this creation and the structure with which:

Please refer to FIG. 1, which is a flowchart of steps in an embodiment of the present invention. As shown in the figure, a payment method across wallets or payment platforms includes the following steps:

S1: The first financial institution provides the first payment barcode and the second financial institution provides the second payment barcode to the consumer;

S2: When the sales end uses the scanning device to retrieve the first payment bar code or the second payment bar code of the fee end;

S3: When the sales end sends one of the first payment barcode and the second payment barcode and the transaction information to the payment common processing platform, wherein the first payment barcode includes the first identification information and the first verification information, and the second payment barcode Contains the second identification information and the second verification information;

S4: After the payment common processing platform verifies the first identification information or the second identification information, the transaction information and the first payment barcode are transmitted to the corresponding first financial institution or the transaction information and the second payment barcode are transmitted to the corresponding first Two financial institutions;

S5: After the first financial institution verifies the first verification information and completes the transaction according to the transaction information and the first payment barcode, or the second financial institution verifies the second verification information and completes the transaction according to the transaction information and the second payment barcode, the first financial institution or The second financial institution transmits the first transaction result or the second transaction result to the payment common processing platform; and

S6: The payment common processing platform transmits the first transaction result or the second transaction result to the sales end.

As shown in step S1, a first financial institution 40 provides a first payment barcode 41 and a second financial institution 50 provides a second payment barcode 51 to a consumer 10, and the first payment barcode 41 and the first The two payment barcodes 51 are one-time one-dimensional or two-dimensional barcodes, and the first financial institution 40 is different from the second financial institution 50 and is two different financial institutions, and the first financial institution 40 and the second financial institution 40 Financial institutions 50 are banks, post offices, third-party payment providers (such as street payment, Taiwan pay, etc.) or electronic ticket service providers (such as Youyou Card, All-in-One Card, etc.). It can be known from step S1 that the consumer 10 of this creation can hold multiple payment barcodes (such as the first payment barcode 41 and the second payment barcode 51), and the payment barcodes are all provided by the financial institution (the first Provided by the financial institution 40 and the second financial institution 50).

As shown in step S2, when a sales terminal 20 uses a scanning device to capture the first payment barcode 41 or the second payment barcode 51 of the consumer 10. That is, the consumer 10 can arbitrarily select the first payment bar code 41 or the second payment bar code 51 for payment. At this time, the sales end 20 uses the same scanning device for capturing, and there is no need to replace the scanning device. Therefore, the sales end 20 does not need to build an additional corresponding system because the first payment barcode 41 is different from the second payment barcode 51.

Subsequently, as shown in step S3, when the sales end 20 transmits one of the first payment barcode 41 and the second payment barcode 51 and a transaction information 21 to a payment common processing platform 30, wherein the first payment The barcode 41 includes a first identification information and a first verification information, and the second payment barcode 51 includes a second identification information and a second verification information. It can be known from step S3 that whether the consumer terminal 10 uses the first payment barcode 41 or the second payment barcode 51 will be uniformly transmitted to the payment common processing platform 30 for unified processing by the payment common processing platform 30.

Subsequently, as shown in step S4, after the payment common processing platform 30 verifies the first identification information or the second identification information, the transaction information 21 and the first payment barcode 41 are transmitted to the corresponding first financial institution. 40 or transmit the transaction information 21 and the second payment barcode 51 to the corresponding second financial institution 50. The first identification information and the second identification information are identification codes, and the corresponding first financial institution 40 and the second financial institution 50 are respectively connected by the identification codes.

When the consumer terminal 10 uses the first payment barcode 41 for payment, the payment common processing platform 30 uses the first identification information (identification code) of the first payment barcode 41 to find the corresponding first The financial institution 40 further transmits the transaction information 21 and the first payment barcode 41 to the first financial institution 40. Similarly, when the consumer 10 uses the second payment barcode 51 for payment, the payment common processing platform 30 uses the second identification information (identification code) of the second payment barcode 51 to find the corresponding one. The second financial institution 50 further transmits the transaction information 21 and the second payment barcode 51 to the second financial institution 50.

Furthermore, as shown in step S5, the first financial institution 40 verifies the first verification information (including the coded financial institution account or credit card debit information and verification code), and according to the transaction information 21 and the first Payment bar code 41 completes the transaction or the second financial institution 50 verifies the second verification information (including the financial institution account or credit card debit information and verification code that is coded), and according to the transaction information 21 and the second payment bar code 51 After the transaction is completed, the first financial institution 40 or the second financial institution 50 respectively transmits a first transaction result 42 or a second transaction result 52 to the payment common processing platform 30.

When the consumer terminal 10 uses the first payment barcode 41 for payment, the first financial institution 40 verifies the first verification information (including the coded financial institution account or credit card debit information, verification code) and confirms Then, the transaction is completed according to the transaction information 21 and the first payment barcode 41, and the first transaction result 42 is transmitted to the payment common processing platform 30. Similarly, when the consumer 10 uses the second payment barcode 51 for payment, the second financial institution 50 verifies the second verification information (including the coded financial institution account or credit card deduction information, verification code) and After confirmation, the transaction is completed according to the transaction information 21 and the second payment barcode 51, and the second transaction result 52 is transmitted to the payment common processing platform 30.

Finally, as shown in step S6, the payment common processing platform 30 transmits the first transaction result 42 or the second transaction result 52 to the sales terminal 20. When the payment common processing platform 30 receives the first transaction result 42 transmitted by the first financial institution 40, it actively responds and transmits the first transaction result 42 to the sales terminal 20. Similarly, when the payment common processing platform 30 After receiving the second transaction result 52 transmitted by the second financial institution 50, it actively responds to transmitting the second transaction result 52 to the sales end 20, so as to reduce the burden on the sales end 20.

Please refer to FIG. 2, which is a schematic structural diagram of an embodiment of the present invention. As shown in the figure, this creation of a cross-wallet or cross-payment platform payment system includes: the consumer 10; the sales 20 uses the scanning device to capture the first payment barcode 41 of the consumer 10 Or the second payment barcode 51, and one of the first payment barcode 41 and the second payment barcode 51 and the transaction information 21 are transmitted, where the first payment barcode 41 includes the first identification information and The first verification information and the second payment barcode 51 include the second identification information and the second verification information; the payment common processing platform 30 receives and verifies the first identification information or the second identification information, Send the transaction information 21 and the first payment barcode 41 or send the transaction information 21 and the second payment barcode 51; the first financial institution 40 receives and verifies the first verification information, and then, based on the transaction information 21 and The first payment barcode 41 completes the transaction, and transmits the first transaction result 42 to the payment common processing platform 30; and the second financial institution 50, after receiving and verifying the second verification information, according to the transaction information 21 The second payment to complete the transaction bar code 51, and transmits the transaction result 52 to the second common payment processing platform 30.

Wherein, the payment common processing platform 30 receives the first transaction result 42 or the second transaction result 52 of the first financial institution 40 or the second financial institution 50 and transmits it to the sales end 20. The first payment barcode 41 and the second payment barcode 51 are one-time one-dimensional or two-dimensional barcodes, and the first identification information is an identification code and corresponds to the first financial institution 40. Similarly, the first The second identification information is an identification code and corresponds to the second financial institution 50.

The following is a description of the practical application of one embodiment of the creation:

The first financial institution 40 provides the first payment barcode 41 to the consumer 10 after verification, and the second financial institution 50 provides the second payment barcode 51 to the consumer 10 after verification (whether it is the first payment barcode 41 or the second payment) The bar code 51 is a one-time one-dimensional or two-dimensional bar code, and the first financial institution 40 and the second financial institution 50 are different financial institutions. When the consumer 10 uses an electronic device (such as a desktop computer, a notebook computer) , Smartphone, tablet, or other device with input and receive transmission functions) for payment, the consumer 10 can choose to use the first payment barcode 41 or the second payment barcode 51, and the sales terminal 20 can be unified Use the same scanning device to retrieve the first payment barcode 41 or the second payment barcode 51 provided by the toll terminal 10.

After extraction, the sales end 20 further transmits the payment barcode (which is one of the first payment barcode 41 and the second payment barcode 51) and the transaction information 21 to the payment common processing platform 30, where the first payment barcode 41 includes the first Identification information (the identification code given by the first financial institution 40) and first verification information (the coded financial institution account or credit card deduction information and verification code given by the first financial institution 40), the second payment barcode 51 Contains the second identification information (the identification code given by the second financial institution 50) and the second verification information (the coded financial institution account or credit card deduction information and verification code given by the second financial institution 50), and After receiving the payment common processing platform 30, the first identification information or the second identification information is verified, and after verification, the transaction information 21 and the first payment barcode 41 are transmitted to the first financial institution 40 corresponding to the first identification information, or The transaction information 21 and the second payment barcode 51 are transmitted to the second financial institution 50 corresponding to the second identification information.

After the transmission, the first financial institution 40 verifies the first verification information and completes the transaction according to the transaction information 21 and the first payment barcode 41, or the second financial institution 50 verifies the second verification information and verifies the transaction information 21 and the second payment barcode. 51 Complete the transaction. After the transaction is completed, either the first financial institution 40 or the second financial institution 50 will transmit the first transaction result 42 (relative to the first financial institution 40) or the second transaction result 52 (relative to the second financial institution) 50) to the payment common processing platform 30, and the payment common processing platform 30 responds and transmits the first transaction result 42 or the second transaction result 52 to the sales end 20 to reduce the burden on the sales end 20.

And this payment method and payment system can solve the problem that when a store (sale terminal 20) provides a payment option for mobile payment, the store (sale terminal 20) must be developed separately for different mobile payment providers to support different wallets. With the establishment of the payment common processing platform 30, stores (sale end 20) need only use the same scanning device and payment system specifications to scan different payment barcodes, so that wallets can communicate with each other, and after completing transactions, pay The common processing platform 30 will immediately respond to the store (sales side 20) to reduce the burden on the store (sales side 20).

Therefore, this creation is really a novel, progressive, and available for industrial use, and should meet the patent application requirements of China's patent law. No doubt, a new type of patent application is filed in accordance with the law.

However, the above are only the preferred embodiments of this creation, and are not intended to limit the scope of implementation of this creation. For example, all equal changes and modifications of the shape, structure, characteristics and spirit described in the scope of the patent application for this new model Shall be included in the scope of the patent application for this creation.

10‧‧‧ Consumer
20‧‧‧Sales
21‧‧‧Transaction Information
30‧‧‧Payment common processing platform
40‧‧‧First Financial Institution
41‧‧‧First payment barcode
42‧‧‧First transaction result
50‧‧‧Second Financial Institution
51‧‧‧Second payment barcode
52‧‧‧Second transaction result
S1 ~ S6‧‧‧step flow

Figure 1: a flowchart of steps in one embodiment of the present invention; and

Fig. 2: It is a schematic structural diagram of an embodiment of the present invention.

Claims (4)

A cross-wallet or cross-payment platform payment system includes:
A consumer
A sales end uses a scanning device to capture one of the first payment barcode or a second payment barcode of the consumer, and transmits one of the first payment barcode and the second payment barcode and a transaction information. The first payment barcode includes a first identification information and a first verification information, and the second payment barcode includes a second identification information and a second verification information;
A payment common processing platform, after receiving and verifying the first identification information or the second identification information, transmitting the transaction information and the first payment barcode or transmitting the transaction information and the second payment barcode;
A first financial institution, after receiving and verifying the first verification information, completing a transaction according to the transaction information and the first payment barcode, and transmitting a first transaction result to the payment common processing platform; and a second financial institution After receiving and verifying the second verification information, the transaction is completed according to the transaction information and the second payment barcode, and a second transaction result is transmitted to the payment common processing platform;
Wherein, the payment common processing platform receives the first transaction result or the second transaction result of the first financial institution or the second financial institution and transmits it to the sales end. The cross-wallet or cross-payment platform payment system described in item 1 of the scope of patent application, wherein the first payment barcode and the second payment barcode are one-time one-dimensional or two-dimensional barcodes. The cross-wallet or cross-payment platform payment system described in item 1 of the scope of patent application, wherein the first identification information is an identification code and corresponds to the first financial institution. The cross-wallet or cross-payment platform payment system described in item 1 of the scope of patent application, wherein the second identification information is an identification code and corresponds to the second financial institution.