TW201843631A - Payment system and payment method - Google Patents

Abstract

A payment system is provided. User can pay the bill according to the barcode showing on the screen of handheld terminal device by the payment system. The payment system includes a barcode generating module and a payment processing module. The barcode generating module receives a barcode generating request with a payment information. Then, the barcode generating module encodes the payment information from the barcode generating request to generate the barcode corresponding to the bill. The barcode generating module sends the barcode to the handheld terminal. The payer would obtain the payment information by scanning the barcode. Then, the payment processing unit would receive the payment information and receiving notification from the payer. The payment would confirm the payment result according to the payment information and receiving notification, and send the payment result back to the payer. A payment method corresponding to the payment system is also provided.

Description

Collection system and collection method

The disclosure relates to a collection system and a collection method.

With the increasing popularity of e-commerce and electronic mobile device products, the payment model of consumers and stores is gradually oriented to paperless, high convenience and high security. In the existing model, due to the widening of the business, users pay more to pay the fees. However, the user must bring the paper bill to the supermarket, so if the user forgets to bring the bill, or if he wants to pay the over-the-counter payment, he will not be able to pay the fee successfully. On the other hand, more and more people use the mechanism of online payment. Online payment requires more credit card or transfer account information, which increases the risk of data entry errors and data leakage, and reduces the convenience of user payment. In addition, when using the online payment mechanism, the store needs to develop its own online payment platform, which increases the development cost. Therefore, how to design a good payment mechanism to achieve paperless operation and improve the convenience and safety of consumers and stores is one of the subjects studied by those skilled in the art.

The disclosure provides a collection system and a collection method to improve transaction convenience and security between consumers and stores.

In an embodiment of the present disclosure, the collection system is configured to display a barcode on a handheld terminal device to collect bills. The collection system includes a barcode generation module and a accounting processing module. The barcode generation module receives the barcode generation request from the corresponding bill of the handheld terminal device, and encodes according to the barcode generation request to generate the barcode and transmit the barcode to the handheld terminal device. The barcode includes the payment information corresponding to the bill, so that the payment unit obtains the payment information when scanning the barcode displayed on the handheld terminal device. The account processing module receives and confirms the payment result based on the payment notification and payment information from the payment unit, and returns the payment result to the payment unit.

In an embodiment of the present disclosure, the payment method is for displaying a barcode on a handheld terminal device to collect a bill. The payment method includes the step of receiving a barcode generation request from a corresponding bill of the handheld terminal device. Encoding according to the barcode generation request to generate a barcode and returning the barcode to the handheld terminal device, wherein the barcode includes payment information corresponding to the bill, so that the payment unit obtains the payment information when scanning the barcode displayed on the handheld terminal device; The receipt result is confirmed based on the payment notification and payment information from the payment unit, and the payment result is returned to the payment unit.

Based on the above, the payment system and the payment method of the present disclosure generate a request according to the barcode of the user, and generate a barcode of the corresponding account in the handheld terminal device. In this way, the user can go to the supermarket to pay at any time without being bound by the paper bill. The user can also scan the 2D barcode of the corresponding account to debit the bank's financial card account directly. Thereby, the convenience and safety of the user's operation are improved.

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

FIG. 1 is a structural diagram of a collection system according to an embodiment of the present disclosure. Referring to FIG. 1 , in the embodiment, the collection system 100 is an integrated platform, and the collection terminal 5 can input the accounting information through the collection system 100 and collect the payment from the user by using the collection system 100 as a medium. . The user can connect to the collection system 100 through the user's handheld terminal device 10 or a third party collection mechanism 20 to make a payment. In this embodiment, the payment terminal 5 can be any merchant that needs to collect money, for example, a power company, a water company, a retail store. The user's handheld terminal device 10 can be a mobile phone, a tablet computer, a notebook computer, or the like. The third-party collection agency 20 is a super-business, bank counter, and the like.

The collection system 100 has at least a barcode generation module 110 and a ledger processing module 120. The barcode generation module 110 encodes the barcode type indicated by the barcode generation request and the payment information to generate a one-dimensional barcode or a two-dimensional barcode. Payment information includes payment amount, collection account, etc. The account processing module 120 will confirm the payment result according to the payment notification and the payment information of the payment unit, and return the payment result to the payment unit. The barcode generation module 110 and the accounting processing module 120 are implemented in a wafer, and the barcode generation module 110 and the accounting processing module 120 can be packaged on the same wafer or different wafers. In addition, the barcode generation module 110 and the accounting processing module 120 may also be circuits in the processor. The processor can be a Central Processing Unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), and can be programmed. Controller, Application Specific Integrated Circuit (ASIC) or other similar components or a combination of the above.

In addition, this embodiment has a bill generation module 130 and a payment notification module 140. The bill generation module 130 is configured to receive the billing information uploaded from the cashier 5 and generate a bill according to the billing style designed by the billing information and the bill. The payment notification module 140 can transmit the payment reminder to the user's handheld terminal device according to the preset interval of the payment deadline date on the bill. For example, the preset interval of this embodiment is three days. Three days before the bill payment deadline, the payment notification module 140 transmits a payment reminder to the user's handheld terminal device 10 based on the personal information in the payment information. Alternatively, the payment notification module 140 can also push the payment reminder to the user's handheld terminal device 10 according to the application installed and logged in by the user. The disclosure is not limited thereto. The bill generation module 130 and the billing notification module 140 can be implemented as a circuit of a chip or a processor, and the disclosure is not limited thereto.

The collection system of the present disclosure has a storage device (not shown) and a communication module (not shown). The storage device can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, hard disk ( Hard Disk Drive (HDD), solid state drive (SSD) or similar components or a combination of the above.

In the disclosure, the barcode generation module 110, the account processing module 120, the bill generation module 130, and the payment notification module 140 are all communicated with the handheld terminal device 10 and the third party collection mechanism 20 through the communication module. communication. The communication module is implemented by a communication chip, which can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), and code multiple capture (Code). Division Multiple Access (CDMA) system, 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 components.

Please refer to FIG. 2. FIG. 2 discloses a cash flow diagram of the first embodiment of the present disclosure. In this embodiment, the barcode is a one-dimensional barcode. And, the one-dimensional barcode includes the amount corresponding to the bill and the virtual account number. Therefore, the barcode generation module 110 only needs to generate a one-dimensional barcode, and can go to the third-party collection agency 20 for payment and payment. When the user wants to go to the third-party payment institution 20 to make a payment, first, in step S201, the payer sends a barcode generating request to the collection system 100 via the handheld terminal device 10. Next, in step S203, the collection system 100 performs encoding according to the barcode generation request, and in step S205, the collection system 100 generates a barcode according to the bill barcode generation request and transmits the barcode to the handheld terminal device 10. In step S207, the user can display the barcode on the handheld terminal device 10. Moreover, the user can go to the third party collection institution 20, and in step S209, the third party collection mechanism 20 scans the barcode through a barcode scanner (for example, an infrared scanner) and collects the money. In step S211, the third-party payment institution 20 issues a payment notification and payment information to notify the collection system 100 of the accounts collected by the third-party agency 20. In step S213, the collection system 100 confirms the payment result based on the payment notification and the payment information, and in step S215, the collection system 100 transmits the collection result to the third-party collection mechanism 20.

Please refer to FIG. 3. FIG. 3 is a flow chart of the collection according to the second embodiment of the present disclosure. In this embodiment, the barcode is a two-dimensional barcode. Specifically, the user can go to the bank to apply for the function of opening the cloud financial card and bill collection. After the application is completed, the user can pay through the 2D barcode. In this embodiment, the information recorded by the two-dimensional barcode includes the user's bank financial card and account information. When the user scans the 2D barcode, the user can debit the financial card account according to the account information. The advantage of using 2D barcodes is that when users pay online, they no longer need to input additional information on financial cards and credit cards to improve the convenience of users. Not only that, because the confidentiality of financial card accounts is lower than credit card information. Therefore, when paying online with 2D barcodes, the risk of data theft can also be reduced.

In step S301, the payer sends a bar code generation request to the collection system 100 via the handheld terminal device 10. Next, in step S303, the collection system 100 performs encoding according to the barcode generation request, and in step S305, the collection system 100 generates a barcode according to the bill barcode generation request and transmits the barcode to the handheld terminal device 10. In step S307, the user can display and scan the barcode on the handheld terminal device 10. The barcode information is enabled by scanning. Therefore, in step S309, the handheld terminal device 10 causes the handheld terminal device to issue a payment notification and payment information to the collection system 100 by scanning the barcode. In step S311, the payment system 100 debits the user's financial card account according to the payment notification and the payment information, and confirms whether the deduction is successful. If the deduction is successful, in step S313, the collection system 100 transmits a message indicating that the payment result is successful to the user. On the other hand, if the deduction fails, in step S313, the payment system 100 confirms to the user that the payment result has failed. In step S315, the handheld terminal device 10 accepts the payment result notification from the payment system 100.

Please refer to FIG. 4. FIG. 4 is a flow chart of generating a barcode according to accounting information in an embodiment of the disclosure. First, in step S401, the payment terminal 5 transmits the accounting information to the collection system 100 to establish an outstanding payment in the collection system 100. In step S403, the payment system 100 generates a bill based on the accounting information from the payment terminal 5 and the bill sample selected or corresponding by the payment terminal 5. Further, in step S405, the collection system 100 transmits a payment reminder to the handheld terminal device 10 before the preset interval of the bill payment deadline date. In step S407, the user accepts the payment reminder and clicks the barcode in the payment reminder to generate a link. When the barcode generation link is enabled, in step S409, the handheld terminal device 10 transmits a barcode generation request to the collection system 100, and in step S411, the collection system 100 performs encoding according to the barcode generation request to generate a barcode. With the setting of the collection system 100, the collection terminal 5 can directly set, manage and track the accounts directly to the collection system 100. Based on this, the cashier 5 does not need to set up a collection system. Therefore, the development cost of the collection terminal 5 in the collection system can be greatly reduced.

In summary, the payment system and the payment method of the present disclosure generate a barcode corresponding to the account in the handheld terminal device according to the user's barcode generation request. In this way, the user can go to the supermarket to pay at any time without being bound by the paper bill. In addition, the user can also scan the 2D barcode of the corresponding account to debit the bank's financial card account directly. Thereby, the convenience and safety of the user's operation are improved.

The present disclosure has been disclosed in the above embodiments, but it is not intended to limit the invention, and those skilled in the art can make some modifications and refinements without departing from the spirit and scope of the invention. The scope of protection of this disclosure is subject to the definition of the scope of the appended claims.

5‧‧‧ receiving end

10‧‧‧Handheld terminal devices

20‧‧‧ Third-party collection agencies

100‧‧‧ collection system

110‧‧‧ barcode generation module

120‧‧‧Accounting Processing Module

130‧‧‧ Billing Generation Module

140‧‧‧Payment Notification Module

S201~S215, S301~S315, S401~S411‧‧‧ steps

FIG. 1 is a structural diagram of a collection system according to an embodiment of the present disclosure. FIG. 2 is a flow chart showing the collection of the first embodiment of the present disclosure. FIG. 3 is a flow chart showing the collection of the second embodiment of the present disclosure. 4 is a flow chart of generating a barcode according to accounting information in an embodiment of the disclosure.

Claims (10)

A collection system for displaying a barcode on a handheld terminal device for collecting bills, comprising: a barcode generation module, receiving a barcode generation request corresponding to the bill from the handheld terminal device, and generating a request according to the barcode Encoding to generate the barcode and returning the barcode to the handheld terminal device, wherein the barcode includes payment information corresponding to the bill, so that the payment unit obtains the payment information when scanning the barcode displayed on the handheld terminal device; And the account processing module receives and receives the payment result according to the payment notification from the payment unit and the payment information, and returns the payment result to the payment unit. For example, in the collection system described in claim 1, when the barcode generation request is used to generate a one-dimensional barcode, the accounting processing module generates a virtual account according to the barcode generation request, and the payment information includes the virtual information. Account number, the account processing module receives and confirms the payment result according to the payment notification and the payment information from the payment unit, and eliminates the account payment according to the virtual account number, wherein the payment unit is a third party Collection agency. The collection system of claim 1, wherein when the barcode generation request is for generating a two-dimensional barcode, the payment information includes a bank account of the payment unit, and the accounting processing module receives and relies on The payment notice of the payment unit and the payment information are deducted from the bank account, wherein the payment unit is a user, and when the accounting processing module debits the bank account successfully, the accounting processing module The account of the bill is eliminated, and the result of the receipt is returned to success to the paying unit. For example, the collection system described in claim 1 further includes: a bill generation module that receives billing information from the payee end and generates the bill based on the billing information. The collection system of claim 1, further comprising: a payment notification module, wherein the payment notification module transmits a payment reminder to the handheld terminal device before the preset interval of the payment deadline of the bill, The payment reminder includes a barcode generation link, and when the barcode generation link is enabled, the barcode generation request is transmitted by the handheld terminal device to the barcode generation module. A payment method for displaying a barcode on a handheld terminal device for collecting bills, comprising: receiving a barcode generation request corresponding to a bill from the handheld terminal device; and encoding according to the barcode generation request to generate the barcode And transmitting the barcode to the handheld terminal device, wherein the barcode includes payment information corresponding to the bill, so that the payment unit obtains the payment information when scanning the barcode displayed on the handheld terminal device; The payment unit's receipt notice and the payment information confirm the collection result, and return the collection result to the payment unit. For example, in the method for collecting payment according to item 6 of the patent application, when the barcode generation request is used to generate a one-dimensional barcode, a virtual account is generated according to the barcode generation request, and the payment information includes the virtual account, and is received and The payment notification from the payment unit and the payment information confirm the payment result, and the account of the bill is eliminated according to the virtual account number, wherein the payment unit is a third-party collection agency. The method for collecting payment according to claim 6, wherein when the barcode generation request is for generating a two-dimensional barcode, receiving and receiving the payment notification and the payment information from the payment unit to the bank account The deduction is made, wherein the payment unit is the user, and the payment information includes the bank account of the payment unit. When the debit payment is successful in the bank account, the account of the payment is cancelled, and the payment result is returned as success. To the payment unit. For example, the method for collecting payment described in claim 6 further includes: receiving accounting information from the receiving end, and generating the bill based on the accounting information. The method for collecting payment as described in claim 6 further includes: transmitting a payment reminder to the handheld terminal device before the preset interval of the payment deadline of the bill, wherein the payment reminder includes a barcode generation link, When the bar code generation link is enabled, the bar code is transmitted to generate a request to the bar code generation module.