TW201839685A - System and method for payment processes - Google Patents

Abstract

A system and a method for payment processes including a first electronic apparatus, a second electronic apparatus, a first server and a second server are provided. The first electronic apparatus selects a first merchandise information among a plurality of merchandise information by sending a first message to the first server. The first server sends a second message containing a payment link to the first electronic apparatus according to the selected merchandise information. The first electronic apparatus sends a third message containing the payment link to the second electronic apparatus according to the second message. The second electronic device connects to a payment page according to the payment link from the third message. Thereafter, the second electronic apparatus processes the payment on the merchandise included in the first merchandise information by accessing the second server.

Description

Trading system and method

The present invention relates to a trading system and method, and more particularly to a trading system and method for trading through a bank and a third party payment institution.

With the continuous development of e-commerce and electronic mobile device product technology, the transaction model between consumers and stores has undergone a breakthrough transformation. Among them, the general public's consumption habits have gradually changed from the previous cash payment, ATM transfer and credit card swiping to the consumption pattern through third-party payment. In addition, as the market for cross-border transactions grows, many stores begin to operate cross-border business models. However, the complicated procedures for cross-border transactions and the development costs of cross-border trading systems still face many challenges. Therefore, how to design and use one The system as a medium between consumers, stores, banks, and third-party payment institutions will be one of the subjects to be studied by those skilled in the art.

The present invention provides a trading system and method for a buyer and seller to complete a sale and purchase transaction through a bank and a third party payment system.

The purchase and sale transaction system of the present invention includes a first electronic device belonging to the seller, a second electronic device belonging to the buyer, a first server belonging to the bank, and a second server belonging to the third party payment institution. The first electronic device transmits the first message to the first server to select the first item information from the plurality of item information. The first server transmits the second message having the payment link to the first electronic device according to the selected first product information. The first electronic device transmits the third message having the payment link to the second electronic device according to the second message. The second electronic device connects to the payment page according to the payment link in the third message to make payment for the goods in the first product information through the second server.

In an embodiment of the present invention, before the first electronic device transmits the first message to the first server to select the first product information from the plurality of product information, the first electronic device transmits the fourth message to the first A server to log in to the seller's account.

In an embodiment of the present invention, before the first electronic device transmits the first message to the first server to select the first product information from the plurality of product information, the first electronic device transmits the fifth message to the first A server to add product information.

In an embodiment of the invention, the first electronic device transmits a sixth message to the first server to modify or delete the commodity information.

In an embodiment of the present invention, after the second electronic device connects to the payment page according to the payment link in the third message to perform payment for the goods in the first product information through the second server, The second server transmits a seventh message to the first server to notify the bank about the information that the buyer has paid, and the first server transmits an eighth message to the first electronic device according to the seventh message to notify the seller that the buyer has paid the information. .

In an embodiment of the invention, the second message includes a form, and the form includes first item information and a payment link.

In an embodiment of the invention, the form is an EXCEL form.

In an embodiment of the invention, the third message includes a webpage page, and the webpage page includes content corresponding to the first product information and a payment link.

In an embodiment of the invention, the third message includes an email, and the email includes a payment link.

In an embodiment of the invention, the third message is transmitted by the communication software.

The present invention proposes a method of buying and selling transactions for trading in a trading system. The sale and purchase transaction system includes a first electronic device belonging to the seller, a second electronic device belonging to the buyer, a first server belonging to the bank, and a second server belonging to the third party payment institution. The method includes: transmitting, by the first electronic device, the first message to the first server to select the first product information from the plurality of product information; and transmitting, by the first server, according to the selected first product information Transmitting the second message to the first electronic device; transmitting, by the first electronic device, the third message having the payment link to the second electronic device according to the second message; and by the second electronic device according to the third message The payment link in the connection is connected to the payment page to make payment for the goods in the first product information through the second server.

In an embodiment of the present invention, before the step of transmitting the first message to the first server by the first electronic device to select the first product information from the plurality of product information, the method further includes: The first electronic device transmits a fourth message to the first server to log in to the seller's account.

In an embodiment of the present invention, before the step of transmitting the first message to the first server by the first electronic device to select the first product information from the plurality of product information, the method further includes: The first electronic device transmits a fifth message to the first server to add product information.

In an embodiment of the invention, the method further includes: transmitting, by the first electronic device, the sixth message to the first server to modify or delete the commodity information.

In an embodiment of the present invention, the step of connecting, by the second electronic device, to the payment page according to the payment link in the third message to make payment for the item in the first item information through the second server is performed. Thereafter, the method further includes: transmitting, by the second server, the seventh message to the first server to notify the bank about the information that the buyer has paid; and transmitting, by the first server, the eighth message to the seventh message according to the seventh message An electronic device to inform the seller of information about the buyer's payment.

In an embodiment of the invention, the second message includes a form, and the form includes first item information and a payment link.

In an embodiment of the invention, the form is an EXCEL form.

In an embodiment of the invention, the third message includes a webpage page, and the webpage page includes content corresponding to the first product information and a payment link.

In an embodiment of the invention, the third message includes an email, and the email includes a payment link.

In an embodiment of the invention, the third message is transmitted by the communication software.

Based on the above, the purchase and sale transaction system of the present invention can use the payment link generated by the server as a transaction medium between the buyer and the seller, and combines the bank with a third-party payment institution to facilitate a convenient transaction mode.

The above described features and advantages of the invention will be apparent from the following description.

DETAILED DESCRIPTION OF THE INVENTION Reference will now be made in detail to the exemplary embodiments embodiments In addition, wherever possible, the same reference numerals in the drawings

1 is a schematic diagram of a trading system according to an embodiment of the invention.

Referring to FIG. 1 , the purchase and sale transaction system 1000 includes a first electronic device 100 , a second electronic device 110 , a first server 120 , and a second server 130 . The first electronic device 100 can communicate with the second electronic device 110 and the first server 120 through the network. The second electronic device 110 can communicate with the first electronic device 100 through a network. The first server 120 can communicate with the first electronic device 100 and the second server 130 via the network, respectively. The second server 130 can communicate with the first server 120 over the network.

In the present exemplary embodiment, the first server 120 is a server between the second server 130 and the first electronic device 100. In other words, the first electronic device 100 and the second server 130 can perform data transmission by the first server 120, wherein the first server 120 is, for example, a server used by the bank to provide online services. The second server 130 is, for example, a third party payment institution, such as the Chinese fast money company. The first electronic device 100 is, for example, an electronic device belonging to a seller (also referred to as a payee), such as a store in Taiwan. The invention allows the seller to establish the product information of the goods sold by the seller on the webpage provided by the bank, and allows the seller to select the goods to be sold and input the corresponding information (for example, the quantity of the goods, the freight, etc.), the bank's A server 120 automatically generates a payment link and transmits it to the seller. The seller can then transfer the collection link to the buyer for payment by the buyer via the third party payment institution. With the services provided by the bank, Taiwanese stores can collect money from overseas Chinese consumers without having to develop their own systems, effectively reducing development costs.

2 is a block diagram of an electronic device in accordance with an embodiment of the invention. It should be noted that, since the first electronic device 100 and the second electronic device 110 in FIG. 1 may have substantially similar components, the first electronic device 100 and the second device are only described herein by the electronic device 200. The components required for the electronic device 110.

Referring to FIG. 2 , the electronic device 200 includes a processing unit 20 , a display unit 22 , a communication unit 24 , and a storage unit 26 . The display unit 22, the communication unit 24, and the storage unit 26 are respectively coupled to the processing unit 20. The electronic mobile device 200 is, for example, an electronic mobile device such as a mobile phone, a tablet computer, or a notebook computer, and is not limited herein.

The processing unit 20 can be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), programmable A controller, an Application Specific Integrated Circuit (ASIC) or other similar component or a combination of the above components.

The display unit 22 can provide a display device that displays a function within the display area of the electronic device 200. The display unit 22 can be a liquid crystal display (LCD), a light-emitting diode (LED), a field emission display (FED), or the like that provides a display function.

The communication unit 24 can support a global system for mobile communication (GSM), a personal handy-phone system (PHS), a code division multiple access (CDMA) system, and a wideband code. Wideband code division multiple access (WCDMA) system, long term evolution (LTE) system, worldwide interoperability for microwave access (WiMAX) system, wireless fidelity (Wi- Fi) System or Bluetooth signal transmission component.

The storage unit 26 can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory or the like. Or a combination of the above elements.

In the present exemplary embodiment, the storage unit 26 of the electronic device 200 stores a plurality of code segments, which are executed by the processing unit 20 after the code segments are installed. For example, the storage unit 26 includes a plurality of modules, and the modules are used to respectively perform operations applied to the electronic device 200 for use in the trading system 1000, wherein each module is composed of one or more code segments. composition. However, the present invention is not limited thereto, and each operation of the electronic device 200 may also be implemented in a manner using other hardware forms.

FIG. 3 is a block diagram of a server according to an embodiment of the invention. It should be noted that since the first server 120 and the second server 130 in FIG. 1 may have substantially similar components, the first server 120 and the second are described herein only by the server 300. The components required by the server 130.

Referring to FIG. 3, the server 300 of the embodiment includes a processing unit 30, a communication unit 32, and a storage unit 34. The communication unit 32 and the storage unit 34 are respectively coupled to the processing unit 30. The processing unit 30, the communication unit 32, and the storage unit 34 may be similar components to the processing unit 20, the communication unit 24, and the storage unit 26, respectively, and are not described herein.

Referring again to FIG. 1, the exemplary embodiment of FIG. 1 can be applied to a situation in which a Taiwanese store (also known as a seller) sells merchandise to a Chinese consumer (also referred to as a buyer) via the Internet. In detail, when the seller wants to sell the product to the buyer via the Internet, in the exemplary embodiment, the seller may first connect to a webpage of the first server 120 and transmit a set of account login information (also referred to as The fourth message is sent to the first server 120 to log in to the account established by the seller at the bank of the first server 120.

For example, FIG. 4 is a schematic diagram of a login page according to an embodiment of the invention. Referring to FIG. 4, the seller can, for example, connect to the first server 120 and obtain a login page 500. The seller can enter the above account login information through the login page 500. The login page 500 includes, for example, a user account information field 510, a verification information field 520, and a login option 530. After the seller fills in the corresponding account login information into the user account information column 510 and the verification information column 520, the login option 530 can be clicked to log in to the seller's account.

After the seller logs in to the account, in the exemplary embodiment, the seller can transmit a message (also referred to as a fifth message) to the first server 120 through the first electronic device 100 to be provided by the first server 120. The page adds information about the product that has not been logged in. In addition, the seller can also transmit a message (also referred to as a sixth message) to the first server 120 through the first electronic device 100 to delete or modify the product information that has been logged into the first server 120. That is, the buyer can add, modify, or delete the merchandise information of the merchandise being sold at the first server 120 of the bank.

Thereafter, when the seller wants to sell the product to the buyer, the seller can transmit a message (also referred to as a first message) to the first server 120 through the first electronic device 100 to be added to the first server 120 from the above. Multiple product information in the selection, and select the product information to be sold (also known as the first product information). Thereafter, the first server 120 transmits the second message with the payment link to the first electronic device according to the first product information selected by the seller.

For example, FIG. 5A and FIG. 5B are schematic diagrams of a merchandise management interface according to an embodiment of the invention. Referring to FIG. 5A, the first server 120 may provide a web page of the product management interface 600 to the first electronic device 100, for example, after the user logs in to the account. For example, the seller can fill in the relevant information in the field 610 in the product management interface 600 to query the number, name or other information of the newly added product information.

For example, the seller can obtain a product information list 650 of the newly added goods through the inquiry of the above-mentioned field 610. Next, referring to FIG. 5B, the seller may, for example, tick (or select) the item information to be sold (ie, the first item information described above) in the field 620, and then click the button 640 to obtain the above-mentioned A payment link corresponding to a product information. In other words, when the seller selects the first item information to be sold and clicks the button 640, the first server 120 can transmit the second message with the payment link, for example, according to the selected first item information. An electronic device 100.

FIG. 6 is a schematic diagram of a form according to an embodiment of the invention. Please refer to FIG. 6. Referring to FIG. 6, in the present exemplary embodiment, the first server 120 may generate the form 700 of FIG. 6 and the second message includes the form 700. The form 700 is, for example, an EXCEL form that includes first item information 710 and a payment link 720 corresponding to the first item information 710. After the first electronic device 100 of the seller receives the second message with the form 700, the seller can obtain the payment link 720 in the form 700, and use the first electronic device 100 to transmit the payment chain according to the second message. The third message of the node 720 is sent to the second electronic device 110 to collect the payment from the buyer. In the exemplary embodiment, the third message includes a link of the seller's webpage page, and the buyer can click the link to connect to the seller's webpage. The web page of the seller may include the content of the first item information and the corresponding collection link 720. For example, the seller may place an image corresponding to the first item information on the web page, and place a hyperlink corresponding to the payment link 720 in the image, or configure the hyperlink of the payment link 720 in the map. Next to the image, for the buyer to click.

In the present exemplary embodiment, the third message is transmitted by the vendor to the second electronic device 110 through the communication software. However, the present invention is not intended to limit the form in which the second electronic device 110 obtains the third message. In another exemplary embodiment, the third message may also include an email having the payment link described above. However, the invention is not intended to limit the form of the third message.

After the third message is received by the second electronic device 110, the buyer can connect to the payment page through the payment link in the third message to make payment for the goods in the first product information through the second server 130.

For example, FIG. 7 is a schematic diagram of a payment page according to an embodiment of the invention. Referring to FIG. 7, the payment page 800 is a webpage in which the buyer can fill in the information required by the buyer for payment, including the payer's name, the card number, and the like, in the buyer information field 810. The product information 820 displays information of the product to be purchased by the buyer (ie, the first product information described above), and the information includes, for example, the product name, the quantity, the amount, and the like. It should be noted that in the present exemplary embodiment, the payment page 800 directed by the payment link is provided by the bank to which the first server 120 belongs, and the payment page 800 can be used to guide to the third-party payment institution. The second server 130 allows the buyer to make a payment through the second server 130 of the third party payment institution. However, the present invention is not limited thereto, and in another embodiment, the payment page 800 may also be directly a payment page provided by the second server 130 of the third party payment institution.

After the buyer connects to the payment page through the payment link in the third message and makes a payment through the second server 130, the second server 130 transmits a message (also referred to as a seventh message) to the first server. 120 to inform the bank about the buyer’s payment. After receiving the seventh message, the first server 110 transmits a message (also referred to as an eighth message) to the first electronic device 100 of the seller according to the seventh message to inform the seller that the buyer has paid the information. . It should be noted, however, that the present invention is not intended to limit the form of the seventh message and the eighth message.

FIG. 8 is a flow chart of a method for buying and selling transactions according to an embodiment of the invention.

Referring to FIG. 8, in step S401, the first electronic device 100 transmits a first message to the first server 120 to select the first product information from the plurality of product information. In step S403, the first server 120 transmits the second message having the payment link to the first electronic device 100 according to the selected first product information. In step S405, the first electronic device 100 transmits a third message having a payment link to the second electronic device 110 according to the second message. In step S407, the second electronic device 110 connects to the payment page according to the payment link in the third message to make payment for the goods in the first product information through the second server 130.

In summary, the transaction trading system of the present invention can be used as a transaction medium between the buyer and the seller, and utilizes the transmission of transaction information between the bank and the third-party payment institution to simplify the flow of the cross-border transaction, and combines the current online payment with the first The advantages of three-party payment. In particular, the sale and purchase transaction system of the present invention can easily allow the seller to build a platform for selling goods to overseas, combine the existing banking system with an overseas third-party payment institution, reduce the development cost of the seller, and conform to the buyer's consumption habits, thereby facilitating A good experience for both buyers and sellers in trading.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and any one of ordinary skill in the art can make some changes and refinements without departing from the spirit and scope of the present invention. The scope of the invention is defined by the scope of the appended claims.

1000‧‧‧ Trading System

100‧‧‧First electronic device

110‧‧‧Second electronic device

120‧‧‧First server

130‧‧‧Second server

200‧‧‧Electronic devices

20, 30‧ ‧ processing unit

22‧‧‧Display unit

24, 32‧‧‧ communication unit

26, 34‧‧‧ storage unit

300‧‧‧Server

500‧‧‧ Login page

510‧‧‧User Account Information Bar

520‧‧‧Verification information bar

530‧‧‧ Login Options

600‧‧‧Commodity management interface

610, 620‧‧‧ fields

640‧‧‧ button

650‧‧‧Product Information List

700‧‧‧Form

710‧‧‧First Product Information

720‧‧‧ collection link

800‧‧‧Payment page

810‧‧‧ Buyer Information Bar

820‧‧‧Product Information

S401‧‧‧ The first electronic device transmits the first message to the first server to select the first product information from the plurality of product information

S403‧‧ The first server transmits the second message having the payment link to the first electronic device according to the selected first product information

S405‧‧ The first electronic device transmits the third message having the payment link to the second electronic device according to the second message

S407‧‧ The step of the second electronic device connecting to the payment page according to the payment link in the third message to make payment for the goods in the first product information through the second server

1 is a schematic diagram of a trading system according to an embodiment of the invention. 2 is a schematic diagram of an electronic device according to an embodiment of the invention. FIG. 3 is a schematic diagram of a server according to an embodiment of the invention. FIG. 4 is a schematic diagram of a login page according to an embodiment of the invention. 5A and 5B are schematic diagrams of a merchandise management interface according to an embodiment of the invention. FIG. 6 is a schematic diagram of a form according to an embodiment of the invention. FIG. 7 is a schematic diagram of a payment page according to an embodiment of the invention. FIG. 8 is a flow chart of a method for buying and selling transactions according to an embodiment of the invention.

Claims (20)

A trading system comprising: a first electronic device belonging to a seller; a second electronic device belonging to a buyer; a first server belonging to a bank; and a second server belonging to a third party payment institution The first electronic device transmits a first message to the first server to select a first item information from the plurality of item information, and the first server has a receipt according to the selected first item information transmission. Transmitting a second message to the first electronic device, the first electronic device transmitting a third message having the payment link to the second electronic device according to the second message, and the second electronic device is The payment link in the third message is connected to a payment page to make payment for the item in the first item information through the second server. The transaction trading system of claim 1, wherein before the first electronic device transmits the first message to the first server to select the first commodity information from the commodity information, The first electronic device transmits a fourth message to the first server to log in to an account of the seller. The transaction trading system of claim 1, wherein before the first electronic device transmits the first message to the first server to select the first commodity information from the commodity information, The first electronic device transmits a fifth message to the first server to add the item information. The transaction trading system of claim 1, wherein the first electronic device transmits a sixth message to the first server to modify or delete the commodity information. The transaction trading system of claim 1, wherein the second electronic device connects to the payment page according to the payment link in the third message to transmit the first server through the second server After the operation of the payment in the commodity information, the second server transmits a seventh message to the first server to notify the bank about the payment of the buyer, and the first server transmits the message according to the seventh message. An eighth message to the first electronic device to notify the seller of information about the buyer having paid. The purchase and sale transaction system of claim 1, wherein the second message comprises a form comprising the first item information and the receipt link. The purchase and sale transaction system as described in claim 6 wherein the form is an EXCEL form. The transaction trading system of claim 1, wherein the third message comprises a webpage page, the webpage page including a content corresponding to the first merchandise information and the payment link. The purchase and sale transaction system of claim 1, wherein the third message comprises an email, the email including the payment link. The purchase and sale transaction system of claim 1, wherein the third message is transmitted by a communication software. A method for buying and selling transactions for a trading system comprising a first electronic device belonging to a seller, a second electronic device belonging to a buyer, a first server belonging to a bank, and belonging to a first a second server of the three-party payment mechanism, the method comprising: transmitting, by the first electronic device, a first message to the first server to select a first item information from the plurality of item information; Transmitting, by the first server, a second message having a payment link to the first electronic device according to the selected first product information; and transmitting, by the first electronic device, the payment link according to the second information a third message to the second electronic device; and connecting, by the second electronic device, the payment link according to the third message to a payment page to transmit the first product through the second server The item in the information is paid for. The method of claim 4, wherein the step of transmitting the first message to the first server by the first electronic device to select the first item information from the item information is The method further includes: transmitting, by the first electronic device, a fourth message to the first server to log in to an account of the seller. The method of claim 4, wherein the step of transmitting the first message to the first server by the first electronic device to select the first item information from the item information is The method further includes: transmitting, by the first electronic device, a fifth message to the first server to add the item information. The method for buying and selling transactions as described in claim 11 further includes: transmitting, by the first electronic device, a sixth message to the first server to modify or delete the commodity information. The method of claim 14, wherein the second electronic device connects to the payment page according to the payment link in the third message to transmit the second server through the second server. After the step of paying for the goods in the first product information, the method further includes: transmitting, by the second server, a seventh message to the first server to notify the bank of information about the payment of the buyer; And transmitting, by the first server, an eighth message to the first electronic device according to the seventh message to notify the seller of information about the payment that the buyer has paid. The method of claim 4, wherein the second message comprises a form comprising the first item information and the payment link. The method of buying and selling transactions as described in claim 16 wherein the form is an EXCEL form. The method of claim 4, wherein the third message comprises a web page comprising a content corresponding to the first item information and the payment link. The method of buying and selling transactions as described in claim 11, wherein the third message comprises an email comprising the payment link. The method for buying and selling transactions as described in claim 11, wherein the third message is transmitted by a communication software.