TW201909062A - Electronic payment systems and message putting methods using the same - Google Patents

Abstract

An electronic payment system is provided with a communication device, a storage device, and a controller. The communication device provides a network connection to the Internet, and a first electronic computing device and a second electronic computing device on the Internet. The storage device stores machine-readable instructions or program code. The controller is operatively coupled to the communication device and the storage device, and is configured to load and execute the instructions or program code to perform a message putting method to send a putting-on message comprising the following steps: receiving and recording transaction information after each mobile communication device completes an electronic payment transaction, generating consumption preference records according to the transaction information, determining at least one first consumption preference record according to demand information and the consumption preference records, and transmitting the putting-on message to a first mobile communication device corresponding to the first consumption preference record via the communication device.

Description

 Electronic payment system and its message delivery method  

The present invention is mainly related to an electronic transaction service, and particularly relates to a message delivery method for performing message delivery via a social network of an electronic transaction platform.

With the rapid development of e-commerce and communication technology in recent years, electronic payment has gradually been widely adopted by the public. In general, electronic payment refers to the parties to electronic transactions, including consumers, manufacturers, and financial institutions, using safe electronic The means of payment, the payment of money or the flow of funds through the Internet.

Compared with the traditional payment method, electronic payment has the following characteristics. First, the traditional payment method is to complete payment by physical entities such as cash flow, transfer of bills, and exchanges of banks. Electronic payment uses communication and encryption technology to complete information transmission through digital streaming. Various payment methods are paid in a digitally digitized manner.

Second, the working environment for electronic payments is based on an open environment (ie, the Internet), while traditional payment methods operate in a relatively closed environment.

Third, electronic payment has the advantages of convenience, speed, efficiency, and economy. As long as the user has a mobile communication device with Internet access function, the payment process can be completed in a short time without going out, and the cost is much lower than that. Traditional payment methods.

In e-commerce, sellers can set up a proprietary e-commerce platform on the Internet and interface with electronic payment payment methods for users to use as e-commerce payment options. However, the technical difficulty of this method and The cost is relatively high; alternatively, the seller can use the functions provided by a specific e-commerce platform (such as auction network, shopping mall) to realize the demand for its merchandise, and the e-commerce platform can be used to mediate the payment of electronic payment. In this way, however, since the content and option settings are limited to the e-commerce platform used, for example, the sales information is preset to be fully public, so it is less flexible in terms of user experience.

In order to attract customers to the door, sellers, such as merchants, often use shopping discounts, such as issuing discount coupons to consumers, in order to encourage consumers to come to the store to consume, and to achieve the purpose of product promotion, thereby increasing consumer willingness to consume. However, the existing methods of placing messages are indiscriminate, and they are a bit of a mess, regardless of whether the buyer has any interest in the offer, they will receive the message, except that the buyer is not free to choose the information he is interested in. On the contrary, it may ignore the really useful information because of receiving too many spam messages, and even produce bad reviews, resulting in anti-propaganda effects. In addition, for the seller, the seller may need to spend a lot of marketing expenses, but in fact does not increase the consumer's willingness to consume, can not achieve the set goals, and no other substantial benefits.

An embodiment of the present invention provides an electronic payment system including a communication device, a storage device, and a controller. The above communication device is used to provide a plurality of consumer preference records of a plurality of mobile communication devices connected to the Internet and the Internet. The storage device is configured to store a plurality of computer readable commands or code and a plurality of consumer preference records. The controller is coupled to the storage device and the storage device for loading and executing the command or code from the storage device to perform a message delivery method to transmit a delivery message: each of the mobile communication devices completes a delivery message After the electronic payment transaction, receiving and recording a transaction information, generating the consumption preference record according to the transaction information and storing the consumption preference record in the storage device, and determining at least one first consumption preference record according to a demand information and the consumption preference record. And transmitting, by the communication device, the delivery message to the first mobile communication device corresponding to one of the at least one first consumption preference record.

Another embodiment of the present invention provides a message delivery method for an electronic payment transaction, which is applicable to an electronic payment transaction system connected to the Internet. The message delivery method includes the following steps: After completing an electronic payment transaction, the Internet receives and records a transaction information from the mobile communication device; generates a consumption preference record according to the transaction information and stores the consumption preference record in the storage device; and according to a demand information and the consumption preference Recording, determining at least one first consumption preference record; and transmitting a delivery message to the first mobile communication device corresponding to one of the at least one first consumption preference record via the Internet.

With regard to other additional features and advantages of the present invention, those skilled in the art can make a slight difference in the electronic payment transaction system and related information delivery method disclosed in the implementation method of the present invention without departing from the spirit and scope of the present invention. Changed and retouched.

100‧‧‧E-commerce environment

10, 20‧‧‧ mobile communication devices

30‧‧‧Electronic payment system

31‧‧‧Communication device

32‧‧‧ Controller

33‧‧‧Storage device

40‧‧‧Internet

50‧‧‧Wireless access point

60‧‧‧Telecom network

110‧‧‧User interface module

120‧‧‧Data Analysis Module

130‧‧‧Message Delivery Module

140‧‧‧Checkout Module

S402~S408‧‧‧Step number

S502~S506‧‧‧Step number

S602~S606‧‧‧Step number

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a schematic illustration of an electronic commerce environment in accordance with an embodiment of the present invention.

2 is a schematic diagram of a hardware architecture of an electronic payment system according to an embodiment of the invention.

FIG. 3 is a schematic diagram of a software architecture for an electronic payment system according to an embodiment of the invention.

4 is a flow chart of a method for delivering a message for an electronic payment transaction according to an embodiment of the invention.

Figure 5 is a flow chart of a method for delivering a message for an electronic payment transaction according to another embodiment of the present invention.

Figure 6 is a flow chart of a method for delivering a message for an electronic payment transaction according to still another embodiment of the present invention.

This section describes the best mode for carrying out the application, and is intended to illustrate the spirit of the application and not to limit the scope of the application. It should be understood that the following embodiments may be via software, hardware, firmware, or any of the above. Combined to achieve.

The invention provides an electronic payment system and a message delivery method thereof, which can automatically collect the consumption data of each electronic payment transaction, analyze the actual consumption preferences of the consumer through data statistics, big data analysis, and according to the buyer demand, the seller demand or According to consumer preferences, the community communication service through the electronic payment platform delivers messages that are in line with consumer preferences, such as promotional information, discounted prices, etc., prompting consumers to re-consume after receiving the message, which can greatly increase consumer willingness to consume and increase The real benefits of advertising and the seller's revenue, to achieve the purpose of accurate marketing.

1 is a schematic diagram of an e-commerce environment according to an embodiment of the invention. The e-commerce environment 100 includes one or more mobile communication devices 10, one or more mobile communication devices 20, an electronic payment system 30, an internetwork 40, a wireless access point 50, and a telecommunications network 60, wherein one or more The mobile communication device 10 is used by a buyer, such as a consumer, and is connected to the Internet 40 via a wireless access point 50, and one or more mobile communication devices 20 are used by sellers, such as merchants, and through Telecommunications network 60 is connected to Internet 40. By connecting to the Internet 40, the mobile communication device 10, 20 can conduct merchandise transactions, funds flow or message delivery via the electronic payment system 30.

For example, the mobile communication devices 10 and 20 can be individually a computing device with a network communication function, such as a notebook computer, a desktop computer, a smart phone, or a tablet computer, as long as it can support wireless access. Point 50 and/or wireless technology used by telecommunications network 60.

The electronic payment system 30 is mainly responsible for providing a platform for the buyer and the seller to conduct electronic commerce by means of electronic payment, and the electronic payment system 30 performs gold flow processing of the electronic payment. The electronic payment system 30 forms a community network for all buyers and sellers, and provides a community communication service for the electronic payment platform, so that buyers and sellers can communicate outside the electronic transaction through the platform.

The wireless access point 50 can establish a wireless local area network to provide wireless communication services to the mobile using short-range wireless technologies, such as: Wireless Fidelity (WiFi) technology, Bluetooth technology, Zigbee technology, and the like. Communication device 10. The wireless access point 50 can be connected to the wired area network through an Ethernet cable, and then connected to the Internet 40 through a wired area network, and its functions are usually used for receiving, temporarily storing, and transmitting for mobile. The data flow of the communication device 10. In general, if the short-range wireless technology used by the wireless access point 50 is wireless fidelity technology, it has an average of 20 meters (in the presence of obstacles, such as walls, stairwells, elevators, etc.) to 100. The range of meters (in open spaces) varies.

The telecommunication network 60 can be a Global System for Mobile communications (GSM), a General Packet Radio Service (GPRS) system, and an Enhanced Data Rates for Global Evolution (EDGE) system. Wideband Code Division Multiple Access (WCDMA) system, Code Division Multiple Access 2000 (CDMA-2000) system, time-sharing synchronous code division multiplexing access ( Time Division-Synchronous Code Division Multiple Access (TD-SCDMA) system, Worldwide Interoperability for Microwave Access (WiMAX) system, Long Term Evolution (LTE) system, and time-sharing long-term evolution (Time- Division LTE, TD-LTE system, etc., depending on the wireless technology used. It is primarily responsible for establishing a wireless wide area network to provide wireless communication services to the mobile communication device 20.

2 is a schematic diagram of a hardware architecture of an electronic payment system according to an embodiment of the invention. The electronic payment system 30 includes at least a communication device 31, a controller 32, and a storage device 33.

The communication device 31 is for providing connection to the Internet 40, and is reconnectable to the mobile communication device 10, 20 and the financial institution server (not shown) via the Internet 40. The communication device 31 can provide a wired or wireless network connection according to at least one specific communication technology, such as an Ethernet network, a wireless local area network, or a wireless wide area network. For example, the communication device 31 can include an Ethernet network card with wired network capabilities, or a combination of radio frequency devices, baseband devices, and antennas for wireless network functions.

The controller 32 can be a general-purpose processor, a microprocessor (Micro Control Unit (MCU), an application processor (AP), or a digital signal processor (DSP), etc., which can include various circuits. Logic is used to provide data processing and computing functions, to control the operation of communication device 31 to provide network connectivity, and to read or store data from storage device 33. In particular, the controller 32 is for coordinating the operation of the communication device 31 and the storage device 33 to perform the message delivery method for electronic payment transactions of the present invention.

It will be understood by those skilled in the art that the circuit logic in controller 32 can typically include a plurality of transistors for controlling the operation of the circuit logic to provide the desired functionality and operation. Furthermore, the specific structure of the transistor and the connection relationship between them are usually determined by the compiler. For example, the Register Transfer Language (RTL) compiler can be operated by the processor and will be a similar combination language. The code's script is compiled into the form required to design or manufacture the circuit logic.

The storage device 33 is a non-transitory computer readable storage medium, such as a random access memory (RAM), a flash memory, or a hard disk, a compact disk, or the like. Any combination for storing instruction sets, application and/or protocol code, etc. In particular, storage device 33 also stores a set of instructions or code for the method of the present application, which is loaded and executed by controller 32. The storage device 33 may further include a database (not shown) for storing various materials, such as related transaction information of each electronic payment transaction, history of electronic payment transactions, other consumption related information, and the like.

It is to be understood that the elements shown in FIG. 2 are only used to provide an illustrative example and are not intended to limit the scope of the invention. For example, the electronic payment system 30 can also include one or more buttons, a keyboard, a mouse, a touch pad, a video lens, a microphone, a display screen (eg, a liquid crystal display, a light emitting diode display, or an electronic paper display, etc.) ), and/or speakers, etc., to interact with the user as a human interface.

FIG. 3 is a schematic diagram of a software architecture of an electronic payment system according to an embodiment of the invention. In this embodiment, the software architecture for implementing the cloud service exception includes: a user interface module 110, a data analysis module 120, a message delivery module 130, and a checkout module 140. The above software module can be composed of a code and loaded and executed by a processor to implement the electronic payment transaction method of the present invention.

The user interface module 110 is primarily responsible for providing the user interface as an external interface to the electronic payment system 30. For example, the user interface can be a webpage or a mobile APP interface. Through the user interface, the seller can specify the electronic payment system 30 with information about the goods to be sold, including: product type, product name, and selling price. In addition, through the user interface, buyers can browse product information and guide buyers into the electronic payment payment process.

The data analysis module 120 is mainly responsible for collecting relevant transaction information of each electronic payment transaction, and using the collected transaction information for data analysis, analyzing various consumer information items, generating consumer preference records of each consumer, and analyzing the consumer preferences. The records are stored in a database. Thereafter, the data analysis module 120 can find a suitable buyer or seller from the database according to the consumption preference record for subsequent message delivery processing.

The message delivery module 130 is mainly responsible for transmitting the corresponding message to the buyer or seller found by the data analysis module 120 for message delivery. The corresponding messages may include the content provided by the merchant, such as: advertising messages, promotional messages such as promotions, discounts, event messages, etc., or merchant messages that the buyer wants to know, such as those merchants offering discounts or activities, etc. News. In one embodiment, the message delivery module 130 sends the message through an instant messaging message of the social network of the electronic payment platform.

The checkout module 140 is primarily responsible for payment operations for electronic payments. That is, when the buyer connects to the electronic payment system 30 to view the merchandise and decides to conduct the transaction, the checkout module 140 provides options for various trading tools and performs a background flow program associated with the checkout action, such as : Communication with financial institutions for security confirmation and financial flow. For example, trading tools include: third-party payment accounts (such as: Oufubao account), credit cards, financial account remittances, and super-commercial collections.

In addition, after completing the payment operation of the electronic payment, the checkout module 140 may notify the data analysis module 120 to perform the collection operation of the transaction data and notify the seller through the user interface module 110 that the buyer has completed the payment.

4 is a flow chart of a message delivery method for an electronic payment transaction according to an embodiment of the invention.

First, after each electronic payment transaction is completed, the electronic payment system 30 receives/collects and records the transaction information of the transaction (step S402), wherein the personal information of the information consumer (eg, gender, age, and place of residence, etc.) is processed. Etc.) and transaction details such as the transaction is the purchase, purchase item, consumption amount, consumption time, consumption location and so on.

Next, the electronic payment system 30 generates a consumption preference record and stores the consumption preference record in the database of the storage device 33 according to the transaction information (step S404), wherein the consumption preference record includes a consumer information and information of a consumer product. The above consumer information includes at least one of the following: a gender profile, an age profile, and a place of residence. The information of the above consumer goods includes at least one of the following: a merchant data, a product type, a product name, a consumption amount, a consumption place, and a consumption time. That is to say, the electronic payment system 30 can know its consumption preference according to the consumption preference record corresponding to each consumer.

Thereafter, the electronic payment system 30 can determine at least one first consumption preference record based on a demand information and all consumption preference records (step S404). Specifically, the demand information may be a buyer's demand information sent by the mobile communication device 10 according to the consumption information that the buyer wants to obtain, and a seller (such as a merchant) transmits the mobile communication device 20 according to the set target group target. The sent seller demand information or the electronic payment system 30 automatically generates the demand information according to the consumer preference record corresponding to each consumer stored in the database. In an embodiment, the demand information includes at least one of the following: a gender data, an age data, a residence information, a merchant data, a product type, a product name, a consumption amount, a consumption location, and a consumption time. .

After the electronic payment system 30 determines at least one first consumption preference record, the electronic payment system 30 can transmit a delivery message to the mobile communication device corresponding to the at least one first consumption preference record (step S408). Specifically, the electronic payment system 30 can send a delivery message through an instant messaging message of the social payment platform of the electronic payment platform. The above-mentioned delivery message may be a seller's slogan, a promotional product catalogue message, a discount or an event message, and the like.

In an embodiment, the electronic payment system 30 can automatically generate the above-mentioned demand information according to the consumption preference record indicating the consumer preference in the database, and determine, according to the content of the demand information, from all the consumption preference records of the database. The one or more first consumption preference records of the demand information are combined, and the delivery message is transmitted to the consumer of the first consumption preference record through the communication device. For example, the electronic payment system 30 can know that the buyer A often purchases the B product according to the purchase preference record of the buyer A, and when the merchant C1 with the new B product puts the product on the electronic payment platform or the original transaction. When the merchant C2 of the B product has a promotion, the electronic payment system 30 can automatically generate the demand information including the product name "B product", and according to the demand information, determine the purchase preference record of the buyer A as the first consumption preference record. After that, the corresponding delivery message, for example, the merchant C1 with the new B product or the promotion message of the merchant C2 can be transmitted to the mobile communication device 10 corresponding to the first consumption preference record, and the buyer A can The mobile communication device 10 knows the above-mentioned delivery message. Since the posted message is based on the interest of the buyer A, there is a greater chance that the buyer A will receive the message and then consume it again, which can make the object of the message more accurate and achieve the purpose of accurate delivery.

In another embodiment, the demand information may be a seller's demand information, and the seller may generate the seller's demand information according to the sales or promotion demand setting target, and transmit the seller's demand information and the message to be delivered through the mobile communication device 20 to The electronic payment system 30 enables the electronic payment system 30 to receive the seller demand information and the delivery message from a merchant through the communication device 31 and execute the above-described message delivery method of the present invention.

FIG. 5 is a flow chart of a method for delivering a message of an electronic payment transaction according to another embodiment of the present invention.

First, in step S502, the electronic payment system 30 can receive the seller demand information and the delivery message from a merchant through the communication device 31. Among them, the seller's demand information sets the relevant information of the seller's sales or promotion demand. In an embodiment, the seller demand information includes at least one of the following: a gender data, an age data, a residence information, a product type, a product name, a consumption amount, a consumption location, and a consumption time, and the like. However, the invention is not limited thereto.

Next, in step S504, the electronic payment system 30 determines a set of mediation consumption preference records from the database according to the seller demand information. For example, if the seller's demand information of the seller C3 is "a customer that has been consumed in the past month", the electronic payment system 30 can determine the compliance according to the merchant data and the consumption time data in the consumption preference record of the database. A set of match-up consumer preference records for which the consumption time is less than one month of the current time and the merchant data is the seller C3.

After determining the above-mentioned mediation consumption preference record, in step S506, the electronic payment system 30 transmits the delivery message provided by the seller C3 through the communication device 31 (for example, a 10% discount electronic coupon or a discount of 20% within 5 days) Transferred to the mobile communication device 10 corresponding to the mediation consumption preference record. The buyer A can know the delivery message via his mobile communication device 10. In this way, all the buyers who have consumed in the store of the seller C3 in the last month can receive the delivery message provided by the seller C3, and the seller C3 can transmit the relevant preferential information to the appropriate buyer according to the set target, avoiding the random gun. Playing birds can increase the chances of buyers re-consuming after receiving the message and increase the actual benefits of the advertisement.

In another embodiment, the demand information may be a buyer demand information, and the buyer may generate the buyer demand information according to the wish list and transmit the buyer demand information to the electronic payment system 30 through the mobile communication device 10, The electronic payment system 30 can receive the buyer demand information from the mobile communication device through the communication device 31, and determine at least one seller record of the match buyer demand information from the database according to the buyer demand information, and then determine according to the determined At least one seller record determines the delivery message to perform the above message delivery method of the present invention.

Figure 6 is a flow chart showing a method for delivering a message of an electronic payment transaction according to another embodiment of the present invention.

First, in step S602, the electronic payment system 30 can receive the above buyer demand information sent by a buyer of a mobile communication device 10 via the communication device 31. The buyer demand information may indicate a buyer's wish list, such as merchant information and preferential information for the product type D (such as shoes), or the merchant information of the product type D near the buyer's location. And its preferential information. In an embodiment, the buyer demand information includes at least one of the following: a product type, a product name, a consumption location, a consumption amount, and the like, but the invention is not limited thereto.

Next, in step S604, the electronic payment system 30 determines a set of matching seller records from the database based on the buyer demand information. For example, if the buyer's demand information of the buyer A is "the merchant information providing the above-mentioned product type D discount near the buyer's location", the electronic payment system 30 may be based on the database including the merchant information and the product type. The seller records a set of matching seller records that match the "product type is D" and the "business location is close to the buyer's current GPS location."

After determining the seller record of the above match, in step S606, the electronic payment system 30 finds the delivery message provided by the match seller record, such as the product offer message, and delivers the delivery provided by the match seller record through the communication device 31. The message is transmitted to the mobile communication device 10. The buyer who issues the buyer's demand information can learn the above-mentioned posting message via his mobile communication device 10. In this way, the buyer can receive the merchant information that provides the above-mentioned product type D discount near his location. Since the delivery of the message is based on the buyer’s real needs, the buyer can reduce the chances of receiving a large number of irrelevant messages, and there is a greater chance that the buyer will receive the message and then consume it again, which will make the message more For the sake of accuracy, the purpose of accurate delivery.

The present invention has been described above with reference to various embodiments, which are intended to be illustrative only and not to limit the scope of the invention, and those skilled in the art can make a few changes without departing from the spirit and scope of the invention. With retouching. The above-described embodiments are not intended to limit the scope of the invention, and the scope of the invention is defined by the scope of the appended claims.

Claims (16)

 An electronic payment system comprising: a communication device for providing a plurality of mobile communication devices connected to the Internet and the Internet; and a storage device for storing a plurality of instructions or codes and a plurality of consumptions readable by the computer a preference record; and a controller coupled to the communication device and the storage device for loading and executing the command or code from the storage device to perform the following message delivery method to transmit a delivery message: for each of the mobiles After completing the electronic payment transaction, the communication device receives and records a transaction information, generates the consumption preference record according to the transaction information, and stores the consumption preference record in the storage device, and determines at least one according to the demand information and the consumption preference record. And a consumption preference record, and transmitting, by the communication device, the delivery message to the first mobile communication device corresponding to one of the at least one first consumption preference record.    The electronic payment system of claim 1, wherein the demand information includes a seller demand information and the message delivery method further comprises: receiving, by the communication device, the seller demand information and the delivery message from a merchant.    The electronic payment system of claim 1, wherein the demand information includes a buyer demand information and the message delivery method further comprises: receiving, by the communication device, a second mobile communication device from the mobile communication device The buyer demand information; determining at least one seller record according to the buyer demand information; determining the delivery message according to the at least one seller record; and transmitting the delivery message to the second mobile communication device via the communication device.    The electronic payment system of claim 1, wherein the method for delivering the message further comprises: generating the demand information according to the consumption preference record.    The electronic payment system of claim 1, wherein the consumer preference record comprises a consumer information and information about a consumer product.    The electronic payment system of claim 5, wherein the consumer information comprises at least one of the following: a gender profile, an age profile, and a place of residence information.    The electronic payment system of claim 5, wherein the information of the consumer goods comprises at least one of the following: a merchant profile, a merchandise type, a merchandise name, a consumption amount, a consumption location, and a consumption time.    The electronic payment system of claim 1, wherein the demand information includes at least one of the following: a gender data, an age data, a residence information, a merchant data, a product type, a product name, and a The amount of consumption, a place of consumption, and a time of consumption.    A message delivery method for an electronic payment transaction, suitable for an electronic payment transaction system connected to the Internet, comprising: after each mobile communication device completes an electronic payment transaction via the Internet, from the mobile communication device Receiving and recording a transaction information; generating a consumption preference record according to the transaction information and storing the consumption preference record in the storage device; determining at least one first consumption preference record according to a demand information and the consumption preference record; and The way transmits a delivery message to the first mobile communication device corresponding to one of the at least one first consumption preference record.    The information delivery method of claim 9, wherein the demand information includes a seller demand information and the message delivery method further comprises: receiving the seller demand information and the delivery message from a merchant via the Internet.    The information delivery method of claim 9, wherein the demand information includes a buyer demand information and the message delivery method further comprises: receiving, by the internet, a second mobile communication device from the mobile communication device. The buyer demand information; determining at least one seller record according to the buyer demand information; determining the delivery message according to the at least one seller record; and transmitting the delivery message to the second mobile communication device via the Internet.    The method for delivering a message according to claim 9 of the patent application further includes: generating the above demand information according to the consumption preference record.    The method for delivering a message according to claim 9, wherein the consumer preference record includes a consumer information and information about a consumer product.    The method for delivering a message according to claim 13 wherein the consumer information comprises at least one of the following: a gender data, an age data, and a residence information.    The information delivery method of claim 13, wherein the information of the consumer goods comprises at least one of the following: a merchant data, a product type, a product name, a consumption amount, a consumption location, and a consumption time.    The method for delivering a message according to claim 9 , wherein the demand information includes at least one of the following: a gender data, an age data, a residence information, a merchant data, a product type, a product name, and a The amount of consumption, a place of consumption, and a time of consumption.