TW201909078A - Device for generating virtual bank account for team buying and method thereof - Google Patents

Abstract

A device for generating a virtual bank account for team buying and a method thereof are provided. By generating a virtual bank account based on a commodity data inputted by an initiator client by a server, providing payment transactions for buyer clients in accordance with the virtual bank account by the server, and transferring an accumulated amount calculated by the payment transactions from the virtual bank account to a target bank account, the system and the method can provide team buyer to input shopping data, and can achieve the effect of making buying initiator and team buyer know status of team buying and payment.

Description

Device for generating transaction virtual account to provide package purchase and method thereof

An apparatus and method for providing an assembly, and in particular to an apparatus for generating a transaction virtual account to provide an acquisition and a method thereof.

In recent years, the way to purchase items has evolved from the purchase of the items required by individuals to the collection mode through online fundraising. As a result of the collection model, many consumers who do not know each other but have the same purchase needs can be quickly recruited. The purchase of large quantities of orders to manufacturers to reduce the amount of purchases, therefore, after the Internet and e-commerce boom, mergers and acquisitions has been a common way of trading goods.

Most of the current acquisition methods are that the main purchaser must publish the purchase information through one or more platforms such as instant messaging software and social networking websites. The group can obtain the purchase information through the instant message or on the social website. The message informs the main purchaser of the goods and quantity to be purchased, and the main purchaser will sort the response instant message or website message into an order, and order the goods to the merchant after the order amount reaches a certain amount or the quantity of the goods reaches a certain amount.

However, the main purchaser needs to sort out the order by instant message or website message, and it is inevitable that there will be a slippage. In addition, the main purchaser also needs to reconcile the account after the transfer with the group member, and it is also prone to reconciliation error. These circumstances may cause disputes between the main purchaser and the group.

In summary, it can be seen that in the prior art, there has been a long-standing problem that the main purchaser needs to organize the purchase order by himself, and therefore it is necessary to propose an improved technical means to solve the problem.

In view of the prior art, there is a problem that the main purchaser needs to organize the purchase order by itself, and the present invention discloses a device for generating a transaction virtual account to provide the purchase and the method thereof, wherein:

The device for generating a transaction virtual account to provide a package purchase includes at least a transmission module for receiving the product data and the destination account transmitted by the main purchase client, and for receiving the transmission by the group client. Shopping data; a virtual account generating module for generating a transaction virtual account, and using the transaction virtual account as the account identification data; the computing module for calculating the shopping of each group client according to the shopping data of each group client Amount; a transaction module for performing payment transactions according to the purchase amount and account identification data of each group client, and adding a corresponding accumulated amount to the transaction virtual account according to the purchase amount after the payment transaction is completed; the transfer module To provide the transfer of the accumulated amount from the transaction virtual account to the destination account.

The method for generating a transaction virtual account to provide a package purchase includes the steps of: the main purchase client provides the input commodity data and the destination account; the server generates the transaction virtual account, and uses the transaction virtual account as the account identification data; The shopping client provides the input shopping data; the server calculates the shopping amount of each group client according to the shopping data of each group client; the server performs the payment transaction according to the shopping amount and the account identification data of each group client. After the payment transaction is completed, the corresponding accumulated amount is added to the transaction virtual account according to the purchase amount; the server provides the transfer amount from the transaction virtual account to the destination account.

The device and method disclosed in the present invention are as above, and the difference between the prior art and the prior art is that the present invention generates a transaction virtual account number according to the commodity data input by the main purchase client through the package purchase server, and provides the group client according to the transaction virtual account number. After the payment transaction, the accumulated amount increased by the payment transaction is transferred to the destination account, so as to solve the problems existing in the prior art, and the technical effect of letting the main purchaser and the group member understand the current acquisition status and payment status can be achieved.

The features and embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, which are sufficient to enable those skilled in the art to fully understand the technical means to which the present invention solves the technical problems, and The achievable effects of the present invention.

The invention can provide a platform for purchasing (purchase or group purchase, etc.), and the group can set the quantity of the goods to be purchased on the platform and complete the payment through the platform, and the main purchaser can directly pay the sales set on the platform. The merchant who purchased the goods, or transfers the payment with the group to the account that the main purchaser can use.

The system operation of the present invention will be described below with reference to the system architecture diagram of the present invention for generating a transaction virtual account number to provide a package purchase. As shown in "FIG. 1", the system of the present invention includes a main purchase client 410, a group client 420, and a purchase server 100.

The main purchase client 410, the group client 420, and the purchase server 100 are all computing devices. The computing device of the present invention may include one or more processors, one or more memory modules, and bus bars and the like that connect different components, including memory modules and processors.

The processor of the computing device can be coupled to the bus. The processor includes a register group or a scratchpad space, and the register bank or scratchpad space may be entirely on the processing wafer, or wholly or partially outside the processing wafer and via a dedicated electrical connection and/or via The bus bar is coupled to the processor. The processor can be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the computing device includes the same or similar processors and is coupled and communicated through the bus.

The processor of the computing device can also be coupled to the chip set. A chipset consists of one or more integrated circuits (ICs) that contain a memory controller and a peripheral input/output (I/O) controller. The chipset typically provides input and memory management functions, as well as providing a plurality of general purpose and/or dedicated registers, timers, etc., wherein the general purpose and/or dedicated registers and timers are coupled to One or more processors of the chipset access or use. In addition, the memory controller and the peripheral input/output controller may be included in one integrated circuit, or may be implemented using two or more integrated circuits.

The processor can access the memory module and the data in the large-capacity storage area through the memory controller. For example, the memory controller can access the data contained in the cache memory or the hard disk drive. The above memory module includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access. Memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The mass storage area described above may include any type of storage device, such as a hard disk drive, a compact disc, a tape drive, a flash drive (flash memory), a solid state disk (SSD), or any other storage device. Wait.

The processor can also communicate with the peripheral device or interface such as the peripheral output device, the peripheral input device, the communication interface, and the GPS receiver through the peripheral output/input bus through the peripheral output/input controller. The peripheral input device can be any type of input device, such as a keyboard, mouse, trackball, trackpad, joystick, etc., and the peripheral output device can be any type of output device, such as a display, printer, and the like. The communication interface can include a wireless communication interface and/or a wired communication interface, and the wireless communication interface can include a wireless local area network such as Wi-Fi, Zigbee, Bluetooth, infrared, near field communication (NFC), mobile communication network, or other wireless data transmission. The interface of the protocol, the wired communication interface can be an Ethernet device, an asynchronous transfer mode (ATM) device, a DSL data machine, a cable (data) data machine, and the like. The processor can periodically poll various peripheral devices and interfaces so that the account opening client can perform data input and output, as well as communicate with another computing device having the components described above.

The busbar of the computing device can include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and / or a bus such as a local bus. Busbars for computing devices include, but are not limited to, side-by-side industry standard architecture (ISA) busses, peripheral component interconnect (PCI) busses, video electronic standards associations (VESA) local busses, and tandem universal sequence busses (USB), Fast Peripheral Component Interconnect (PCI-E) bus, etc.

The primary purchase client 410 can be connected to the acquisition server 100. The main purchase client 410 can transmit data or signals to the acquisition server 100, and can also receive data or signals transmitted by the acquisition server 100. The main purchase client 410 and the purchase server 100 can be connected through a wired or wireless network, and the present invention is not particularly limited.

The main purchase client 410 is responsible for providing the input product data and the destination account, and is responsible for transmitting the input product data and the destination account to the acquisition server 100. The product information may include the name, unit price, description, and the like of the product to be purchased, and the description of the product may include a picture of the product, or may include a link of a web page introducing the product, and the present invention is not particularly limited. The destination account number proposed by the present invention may be a bank account number of a merchant that sells goods, or a bank account number that the main purchaser can use.

The main purchase client 410 can provide an input shipping rule, and the input shipping rule can include one or more rules. For example, the shipping rule can only have a fixed shipping rule of 200 rules, or can include a shipping cost of 8,000 or less and 8,000 to 20,000. Shipping costs 100, more than 20,000 free shipping three rules, but the shipping rules proposed by the present invention are not limited to the above. The main purchase client 410 can provide the input freight rule in a form, but the invention is not limited thereto. In addition, the shipping rule may also include the distribution method when the freight is generated. For example, the main purchaser and the group member divide the freight, or calculate the freight according to the price or quantity ratio purchased by the owner, etc., and the invention has no particular limitation. .

The main purchase client 410 can provide an input transaction threshold and transmit the entered transaction threshold to the acquisition server 100. The transaction threshold may be the upper limit of the quantity that the main purchaser wishes to purchase with the group member, or the lower limit of the amount that the main purchaser wishes to purchase with the group member, and the present invention is not particularly limited.

The main purchase client 410 can also provide the input advance amount, or the advance account number and the advance payment amount, and transmit the entered advance account number and the advance payment amount to the collection server 100. The advance account number is usually a bank account that the main purchaser can use, but the invention is not limited thereto.

The main purchase client 410 may also request the collection server 100 to download the payment status corresponding to each group member, and may display the payment status corresponding to each group member respectively, that is, display the payment, or not pay. Wait for the status to provide the primary purchaser reconciliation.

The group client 420 can be connected to the pooling server 100. The group client 420 can transmit data or signals to the collection server 100, and can also receive data or signals transmitted by the collection server 100. The connection between the group client 420 and the collection server 100 can be connected through a wired or wireless network, and the present invention is not particularly limited.

The group client 420 is responsible for providing input shopping materials and for transferring the entered shopping materials to the collection server 100. In general, the shopping information provided by the group client 420 includes the identification information of the group client 420, the mailing address, the number of goods and commodities to be purchased set by the group client 420, and the group members. A complete or partial bank account number (such as the last five digits of the account number), but the invention is not limited thereto. The identification information of the above-mentioned identity may be the account of the group client 420 logging in to the collection server 100, or may be the identification data established by the collection server 100, and the invention is not particularly limited. In some embodiments, the group client 420 may also provide a specific text and/or symbol and a quantity to be purchased at a corresponding position with the product, or may provide a icon corresponding to the item and click once or You can enter the number of items you want to purchase and the number of items, and you can also read the pre-stored identification data and the shipping address.

It is worth mentioning that in some embodiments, the main purchase client 410 may be one of a plurality of group clients 420. For example, the main purchase client 410 may also provide input shopping materials after providing input merchandise materials, destination account numbers, and shipping rules.

The group client 420 may request the collection server 100 to download all or part of the shopping materials, and provide all or part of the downloaded shopping materials for viewing, and the group client 420 may also request the downloading and accumulation from the purchasing server 100. Amount and provide a view of the cumulative amount downloaded. In general, the group client 420 can simultaneously request to download the shopping materials and the accumulated amount, but the invention is not limited thereto. The accumulated amount is the shopping amount corresponding to the shopping data of the completed payment.

The acquisition server 100 can provide a collection platform. The collection server 100 further includes a transmission module 110 and a processor 120.

The transmission module 110 can provide the collection server 100 to connect with the main purchase client 410 and/or the group client 420, and can also receive the data or signals transmitted by the main purchase client 410 or the group client 420, and The data or signal can be transmitted to the main purchase client 410 or the group client 420.

In more detail, the transmission module 110 is responsible for receiving the product data and the destination account information transmitted by the main purchase client 410, and may also receive the shipping rule, the transaction threshold, and/or the advance account number transmitted by the main purchase client 410. The transfer module 110 is also responsible for receiving the shopping materials transmitted by the group client 420, such as the amount of the advance payment.

Processor 120 can execute specific instructions. After executing the instruction, the processor 120 can cause the collection server 100 to generate the virtual account creation module 121, the calculation module 122, the transaction module 123, and the transfer module 124.

The virtual account creation module 121 is responsible for generating a transaction virtual account number, and using the generated transaction virtual account as the account identification data. The virtual account creation module 121 can also generate a shopping virtual account corresponding to the group client 420, and use the generated shopping virtual account as the account identification data.

In general, the virtual account generation module 121 can be connected to the bank host (not shown) through the transmission module 110 to request the bank host to establish a virtual account, such as a transaction virtual account, or a shopping virtual account, and receive the bank host. The virtual account number is returned, and if the purchase server 100 is a bank host or has the function of establishing a virtual account, the virtual account generation module 121 can also directly generate a virtual account.

The computing module 122 is responsible for receiving, according to the transmission module 110, the product data of the self-purchasing client 410 and the shopping data received from the group client 420, and calculating the shopping amount corresponding to the group client 420 of the delivery shopping data.

The calculation module 122 can also calculate the freight sharing amount corresponding to each of the group client 420 according to the shipping rule of the transmission module 110 receiving the self-purchasing client 410, and can add the calculated shipping amount to the shopping amount.

The transaction module 123 is responsible for performing payment transactions according to the purchase amount calculated by the calculation module 122 and the account identification data generated by the virtual account creation module 121. The payment transaction provided by the transaction module 123 may be a credit card transaction such as online credit card, or a transfer transaction such as online transfer, ATM transfer, or temporary transfer, but the payment transaction proposed by the present invention is not limited to the above.

The transaction module 123 is also responsible for increasing the corresponding accumulated amount in the transaction virtual account generated by the virtual account creation module 121 according to the purchase amount of the payment transaction after the completion of each payment transaction, that is, the transaction module. 123 may add the purchase amount of the completed payment transaction to the accumulated amount in the transaction virtual account generated by the virtual account creation module 121, and replace the original accumulated amount with the added sum to become the new accumulated amount. If the virtual account creation module 121 generates a shopping virtual account corresponding to the group client 420, the transaction module 123 may also add a corresponding amount to the shopping virtual account generated by the virtual account generation module 121, and may The cumulative amount is calculated by summing the amount in each shopping virtual account.

The transaction module 123 can also determine whether the transaction threshold is satisfied after the payment transaction is completed, and can close the shopping virtual account of the uncompleted transaction when the transaction threshold is judged to be satisfied, so that the group can no longer complete the transaction according to the shopping virtual account. . For example, the transaction module 123 may reject the online credit card transaction performed by the group client 420 corresponding to the closed shopping virtual account, that is, the transaction module 1230 may not execute the authorization program or execute the payment program; The group 123 can also reject the online transfer transaction performed by the group client 420 corresponding to the closed shopping virtual account; the transaction module 123 can also cancel the shopping virtual account of the uncompleted transaction through the virtual account creation module 121, so that Transfers such as online transfer, ATM transfer, or counter transfer that are prohibited by the group cannot be completed because the shopping virtual account number does not exist. However, the manner in which the transaction module 123 closes the shopping virtual account is not limited to the above.

The transaction module 123 can also perform the advance payment transaction according to the transaction virtual account number generated by the virtual account creation module 121 and the transmission module 110 receiving the advance amount of the self-purchasing client 410, and can be used according to the pad after the advance transaction is completed. The amount of the amount increases the corresponding cumulative amount in the trading virtual account. Wherein, the above-mentioned advance payment transaction is the same as the payment transaction, and may be a credit card transaction such as online credit card, or a transfer transaction such as online transfer, ATM transfer, or temporary transfer, but the payment transaction proposed by the present invention is not limit.

The transaction module 123 can also transmit the payment status corresponding to each group client 420 to the main purchase client 410 through the transmission module 110. In general, the transaction module 123 can determine the payment status corresponding to the group client 420 according to the transfer identification data. The transfer identification information may be a shopping virtual account number provided by the purchase server 100 and corresponding to the group client 420, or may be a complete or partial part included in the shopping data provided by the group client 420. Bank account. In more detail, the transaction module 123 can determine whether the shopping amount has been increased in the shopping virtual account corresponding to the group client 420. If so, the transaction module 123 can determine that the payment status corresponding to the group client 420 is already Payment, on the other hand, if the purchase amount is not increased in the shopping virtual account corresponding to the group client 420, that is, the amount in the shopping virtual account corresponding to the group client 420 is still zero, the transaction module 123 can judge and follow The payment status corresponding to the group client 420 is unpaid; the transaction module 123 can also determine whether the bank account transferred to the transaction virtual account is consistent with the full or partial bank account number in the shopping data provided by the group client 420. The bank account number, if yes, the transaction module 123 can determine that the payment status corresponding to the group client 420 that matches the bank account number of the input shopping data or the bank account transferred to the transaction virtual account is paid. Otherwise, the transaction module 123 can determine that the payment status corresponding to the group client 420 is unpaid.

The transfer module 124 is responsible for providing a destination account for transferring the accumulated amount in the transaction virtual account generated by the virtual account creation module 121 from the transaction virtual account to the transmission module 110 for receiving the self-purchasing client 410. In general, the transfer module 124 can provide a setting interface for the transfer, thereby providing the primary purchase client 410 to transfer the accumulated amount in the transaction virtual account from the transaction virtual account to the destination account.

In some embodiments, the transfer module 124 may first determine whether the accumulated amount in the transaction virtual account generated by the virtual account creation module 121 reaches the transaction threshold of the transmission module 110 receiving the self-purchasing client 410, and in the transaction virtual When the accumulated amount in the account reaches the transaction threshold, the accumulated amount is transferred from the transaction virtual account to the destination account.

Next, an operational system and method of the present invention will be described with reference to an embodiment, and reference is made to the flowchart of the method for generating a transaction virtual account to provide a package purchase according to the "2A". In this embodiment, the main purchase client 410 and the group client 420 may be a mobile phone, a computer, a tablet, a personal digital assistant, a navigation device, a television, a digital camera, a multimedia player, an e-book reader, a video game instrument, Any of the computing devices, such as an electronic dictionary, a car computer, etc., but the main purchase client 410 and the group client 420 proposed by the present invention are not limited to the above.

When the main purchaser wants to initiate the purchase through the present invention, the product data and the destination account number can be input on the main purchase client 410 (step 211), and the main purchase client 410 can transmit the input product data and the destination account to the set. Purchase server 100. In this embodiment, it is assumed that the main purchaser can operate the main purchase client 410 to connect to the purchase server 100, and operate the main purchase client 410 to input the product information and the purpose in the webpage interface provided by the purchase server 100. Account number, where the destination account is the merchant account of the goods purchased by the main purchaser.

After the transmission module 110 of the collection server 100 receives the product data and the destination account transmitted by the main purchase client 410, the virtual account creation module 121 of the acquisition server 100 can generate a transaction virtual account number and generate the transaction The transaction virtual account number is used as the account identification data (step 215). In this embodiment, it is assumed that the virtual account creation module 121 can connect to the bank host through the transmission module 110, and request the bank host to generate a transaction virtual account number, and receive the transaction virtual account number returned by the bank host.

After the virtual account creation module 121 of the acquisition server 100 generates the transaction virtual account, the group client 420 can provide input shopping information (step 221), and the group client 420 can transfer the input shopping data to the package purchase. Server 100. In this embodiment, it is assumed that the main purchaser also operates the main purchase client 410 to input the shopping information in the webpage interface provided by the purchase server 100, so that the main purchase client 410 also becomes the group client 420. In addition to the main purchase client 410, there are other group operators operating the group client 420 to connect to the collection server 100, and input the shopping materials through the web interface provided by the collection server 100. The shopping data input by the group client 420 includes the last five yards of the bank account that the group can use.

After the transmission module 110 of the collection server 100 receives the shopping data transmitted by the group client 420, the calculation module 122 of the collection server 100 can calculate and transmit according to the shopping data received by the transmission module 110. The shopping amount corresponding to the shopping client 420 of the shopping data (step 225). In this embodiment, if there are two group clients 420 in addition to the main purchase client 410, the calculation module 122 can respectively correspond to the main purchase client 410 and the two group client 420 respectively. The amount of shopping.

After the calculation module 122 of the purchase server 100 calculates the purchase amount corresponding to the group client 420, the transaction module 123 of the purchase server 100 can calculate each group client according to the calculation module 122. The shopping amount of 420 and the account identification data (transaction virtual account number) generated by the virtual account creation module 121 of the acquisition server 100 perform a payment transaction (step 231). In this embodiment, it is assumed that the transaction module 123 can provide a online transfer with the group client 420, and the group client 420 can input the password of the financial card after connecting the card reader inserted into the financial card, so that the transaction module 123 can After the password of the financial card is verified, the bank account number of the group corresponding to the financial card is obtained, and the purchase amount corresponding to the group client 420 can be transferred from the obtained bank account to the transaction virtual account, thereby completing Payment transaction.

After the transaction module 123 of the purchase server 100 completes the payment transaction, the transaction module 123 can accumulate the transaction virtual account generated by the virtual account creation module 121 of the collection server 100 according to the purchase amount of the payment transaction. Increasing the shopping amount in the amount increases the cumulative amount in the transaction virtual account (step 235).

In addition, the computing module 122 of the purchasing server 100 calculates the shopping amount corresponding to the group client 420 for transmitting the shopping data according to the shopping data received by the transmission module 110 of the purchasing server 100 (step 225). Thereafter, the main purchase client 410 can connect to the acquisition server 100 and request the collection server 100 to download the shopping materials of all the group clients 420. After receiving the request of the main purchase client 410, the transaction module 111 of the purchase server 100 can first determine the payment status corresponding to the group client 420, and pass the transmission module. The shipping data of each of the group client 420 received by the transmission module 110 and the corresponding payment status are transmitted back to the main purchase client 410.

After the transaction module 123 of the purchase server 100 increases the purchase amount for the accumulated amount in the transaction virtual account generated by the virtual account creation module 121 of the acquisition server 100 (step 235), the acquisition server 100 The transfer module 124 can transfer the accumulated amount in the transaction virtual account from the transaction virtual account to the transmission module 110 of the acquisition server 100 to receive the destination account of the self-purchasing client 410 (step 260). In this embodiment, if the main purchaser waits for a period of time without a new group purchaser, or has reached the set purchase deadline set by the main purchaser, or the accumulated amount has reached the transaction threshold, the main purchaser can operate the main purchase customer. The terminal 410 is connected to the collection server 100, and starts to transfer through the webpage interface provided by the collection server 100, so that the transfer module 124 transfers the accumulated amount from the transaction virtual account to the bank of the merchant who sells the goods purchased. account number. In this way, the main purchaser and the follower can complete the purchase through the invention.

In the above embodiment, the transfer module 124 of the purchase server 100 transfers the accumulated amount in the transaction virtual account from the transaction virtual account to the destination account of the purchase server 410 (step 260). After that, the calculation module 122 of the acquisition server 100 can determine whether the transaction threshold is satisfied (step 270) as shown in the "Fig. 2B". If the calculation module 122 determines that the transaction threshold is satisfied, the calculation module 122 may not calculate the freight sharing amount, and if the calculation module 122 determines that the transaction threshold is not satisfied, for example, if the accumulated amount in the transaction virtual account does not reach the transaction threshold, then The computing module 122 can calculate the freight sharing amount according to the shipping rule of the purchasing module 110 of the purchasing server 100 (step 280). In this embodiment, if the freight rate defined by the freight rule is equally shared by all the group clients 420, the calculation module 122 may divide the freight rate by three and calculate the freight amount.

In addition, after the transaction module 123 of the purchase server 100 increases the purchase amount for the accumulated amount in the transaction virtual account generated by the virtual account creation module 121 of the acquisition server 100 (step 235), it may be, for example, "2C. In the process of the figure, the main purchase client 410 may provide the primary purchaser to input the advance amount (step 251), and transmit the entered advance amount to the collection server 100. After receiving the amount of the advance payment transmitted by the main purchase client 410, the transmission module 110 of the purchase server 100 can receive the amount of the advance received by the transmission module 110 according to the amount of the advance payment received by the transmission module 110. The transaction virtual account generated by the virtual account creation module 121 of the acquisition server 100 performs an advance transaction (step 255).

After the transaction module 123 of the purchase server 100 completes the advance payment transaction, the transaction module 123 can be in the transaction virtual account generated by the virtual account creation module 121 of the collection server 100 according to the purchase amount of the payment transaction. The accumulated amount increases the shopping amount, so that the accumulated amount in the transaction virtual account is increased (step 257), after which the transfer module 124 of the package server 100 can transfer the accumulated amount in the transaction virtual account from the transaction virtual account to the acquisition. The transmission module 110 of the server 100 receives the destination account of the self-purchasing client 410 (step 260).

Continuing with the second embodiment, the operating system and method of the present invention will be explained. Referring also to the method flow chart of "FIG. 2A".

When the main purchaser wants to initiate the purchase through the present invention, the product data and the destination account number can be input on the main purchase client 410 (step 211), and the main purchase client 410 can transmit the input product data and the destination account to the set. Purchase server 100. In this embodiment, it is assumed that the main purchaser can operate the main purchase client 410 to execute the application, and input the product data and the destination account in the user interface displayed by the application, and complete the product data and the destination account in the main purchaser. After inputting, the main purchase client 410 can be operated, so that the application transmits the input product data and the destination account to the acquisition server 100. Among them, the destination account entered by the main purchaser is the bank account that the purchaser can use.

After the transmission module 110 of the collection server 100 receives the product data and the destination account transmitted by the main purchase client 410, the virtual account creation module 121 of the acquisition server 100 can generate a transaction virtual account as the account identification data. (Step 215).

After the virtual account creation module 121 of the acquisition server 100 generates the transaction virtual account number, the group client 420 can provide input shopping materials (step 221), and can transfer the input shopping materials to the package server 100.

After the transmission module 110 of the collection server 100 receives the shopping data transmitted by the group client 420, the calculation module 122 of the collection server 100 can calculate and transmit according to the shopping data received by the transmission module 110. The shopping amount corresponding to the shopping client 420 of the shopping data (step 225).

Similarly, after the transmission module 110 of the collection server 100 receives the shopping materials transmitted by the group client 420, the virtual account creation module 121 of the collection server 100 can generate the shopping received by the transmission module 110. The shopping virtual account corresponding to the data, and the generated shopping virtual account can be used as the new account identification data.

After the calculation module 122 of the purchase server 100 calculates the purchase amount corresponding to the group client 420, the transaction module 123 of the purchase server 100 can calculate each group client according to the calculation module 122. The shopping amount of 420 and the account identification data (shopping virtual account number) generated by the virtual account creation module 121 of the purchasing server 100 perform a payment transaction (step 231). In this embodiment, it is assumed that the transaction module 123 can provide the online client 420 to swipe the card, and the group client 420 can transmit the credit card information input by the group to the collection server 100, so that the transaction module 123 is based on the set. The credit card data received by the transmission module 110 of the purchase server 100 is connected to the bank host for credit card (authorization) transactions.

After the transaction module 123 of the purchase server 100 completes the payment transaction, the transaction module 123 can be in the transaction virtual account generated by the virtual account creation module 121 of the collection server 100 according to the purchase amount of the payment transaction. The accumulated amount increases the shopping amount (step 235).

Thereafter, the transfer module 124 of the purchase server 100 can transfer the accumulated amount in the transaction virtual account from the transaction virtual account to the transmission module 110 of the acquisition server 100 to receive the destination account of the self-purchasing client 410 (step 260). ). In this embodiment, assuming that the primary purchaser has completed the transaction with the merchant of the purchased commodity, that is, the primary purchaser has paid the merchant, the primary purchaser can operate the primary purchase client 410 to open the application and use the application. The provided user interface setting starts the transfer. After the application transmits the transfer request to the collection server 100, the transfer module 124 of the purchase server 100 can transfer the accumulated amount in the transaction virtual account from the transaction virtual account. To the bank account of the main purchaser.

In the above embodiment, the transfer module 124 of the purchase server 100 transfers the accumulated amount in the transaction virtual account from the transaction virtual account to the destination account of the purchase server 410 (step 260). After that, the transaction module 123 of the purchase server 100 may close the shopping virtual account that has not completed the payment (step 290), so that the group that has not completed the payment cannot complete the payment transaction through the shopping virtual account.

In summary, it can be seen that the difference between the present invention and the prior art is that the collection server generates a transaction virtual account according to the commodity data input by the main purchase client, and provides a payment transaction with the group client according to the transaction virtual account. The technical means of transferring the accumulated amount of the payment exchange to the destination account, by which a technical means can solve the problem that the pre-existing main purchaser needs to organize the purchase order by himself, thereby achieving the main purchaser and the group Learn about the current technical features of the acquisition status and payment status.

Furthermore, the method for generating a transaction virtual account to provide a package purchase can be implemented in hardware, software or a combination of hardware and software, or can be implemented in a centralized manner in a computer system or distributed in different components. The decentralized implementation of interconnected computer systems.

While the embodiments of the present invention have been described above, the above description is not intended to limit the scope of the invention. Any modification of the form and details of the practice of the present invention, which is a matter of ordinary skill in the art to which the present invention pertains, is a patent protection of the present invention. range. The scope of the invention is to be determined by the scope of the appended claims.

100‧‧‧Acquisition Server

110‧‧‧Transmission module

120‧‧‧ processor

121‧‧‧Virtual Account Generation Module

122‧‧‧Computation Module

123‧‧‧Transaction module

124‧‧‧Transfer module

410‧‧‧ main purchase client

420‧‧‧ with the group client

Step 211‧‧‧The main purchase client provides input product information and destination account

Step 215‧‧ ‧ The acquisition server generates the transaction virtual account number as the account identification data

Step 221‧‧‧ Provide input shopping information with the group client

Step 225‧‧‧The purchase server calculates the purchase amount based on the shopping data

Step 231‧‧‧ The collection server performs payment transactions based on the purchase amount and account identification data.

Step 235‧‧ ‧ The acquisition server adds the corresponding accumulated amount to the transaction virtual account according to the purchase amount

Step 251‧‧‧ The main purchase client provides the amount of the input advance

Step 255‧‧ ‧ The acquisition server conducts the advance transaction based on the advance amount and the transaction virtual account number

Step 257‧‧‧The Collecting Server increases the accumulated amount in the trading virtual account according to the amount of the advance payment

Step 260‧‧ The Collecting Server transfers the accumulated amount from the trading virtual account to the destination account

Step 270‧‧ ‧ The acquisition server determines whether the transaction threshold is satisfied

Step 280‧‧ ‧ The acquisition server calculates the freight distribution amount according to the freight rules

Step 290‧‧ ‧ The acquisition server closes other shopping virtual accounts for uncompleted transactions

The first figure is a system architecture diagram of the present invention for generating a transaction virtual account to provide a package purchase. FIG. 2A is a flow chart of a method for generating a transaction virtual account to provide a package purchase according to the present invention. FIG. 2B is a flow chart of an additional method for calculating the freight collection amount proposed by the present invention. 2C is a flow chart of an additional method for the purchaser's advancement proposed by the present invention.

Claims (10)

A device for generating a transaction virtual account to provide a group purchase, the device providing a main purchase client and at least one group client connection, the device at least comprising: a transmission module, configured to receive the transmission by the main purchase client a product data and a destination account, and for receiving each of the shopping materials transmitted by the group client; a virtual account generation module for generating a transaction virtual account and identifying the transaction virtual account as an account a computing module for calculating each shopping amount according to each of the shopping materials; a transaction module for performing payment transactions according to each of the shopping amount and the account identification data, and completing each payment transaction Thereafter, a corresponding one of the accumulated amount is added to the transaction virtual account according to each purchase amount; and a transfer module is configured to provide the accumulated amount from the transaction virtual account to the destination account. The device for generating a transaction virtual account to provide a package purchase, as described in claim 1, wherein the virtual account generation module is further configured to generate a shopping virtual account corresponding to a group client, and use the shopping The virtual account number is used as the account identification data. The device for generating a transaction virtual account to provide a package purchase as described in claim 2, wherein the transmission module is further configured to receive a transaction threshold transmitted by the main purchase client, and the transaction module is further used for After each payment transaction is completed, it is judged that the transaction threshold has been satisfied, and each of the shopping virtual accounts of the uncompleted transaction is closed. The device for generating a transaction virtual account to provide a package purchase as described in claim 1, wherein the transmission module is further configured to receive an advance amount transmitted by the main purchase client, and the transaction module is further used to An advance transaction is made according to the amount of the advance payment and the virtual account of the transaction, and after the advance transaction is completed, the accumulated amount is added to the virtual account of the transaction according to the amount of the advance payment. The device for generating a transaction virtual account to provide a package purchase as described in claim 1, wherein the transmission module is further configured to receive a transaction threshold transmitted by the main purchase client, and the transfer module is further used for judging Whether the accumulated amount reaches the transaction threshold, and when the accumulated amount reaches the transaction threshold, provides the transfer amount from the transaction virtual account to the destination account. A method for generating a transaction virtual account to provide a group purchase, the method comprising at least the following steps: a main purchase client provides input of a product data and a destination account; a server generates a transaction virtual account number, and uses the transaction virtual account as An account identification data; a group client provides input of a shopping data; the server calculates a shopping amount based on the shopping data; the server performs a payment transaction according to the shopping amount and the account identification data, and the payment transaction After completion, the corresponding accumulated amount is added to the transaction virtual account according to the purchase amount; and the server provides the transfer of the accumulated amount from the transaction virtual account to the destination account. The method for generating a transaction virtual account to provide a package purchase according to claim 6 of the patent application, wherein the step of performing the payment transaction according to the purchase amount and the account identification data further includes generating a corresponding to the group client. A shopping virtual account and using the shopping virtual account as a step of identifying the account. The method for generating a transaction virtual account number to provide a group purchase as described in claim 6 of the patent application, wherein the method further comprises the step of the server providing a step of transferring the accumulated amount from the transaction virtual account to the destination account. The main purchase client provides an amount of the advance payment, and the server performs an advance transaction according to the advance amount and the virtual account of the transaction, and after the advance transaction is completed, the virtual account number is based on the advance amount of the transaction. The step of adding this cumulative amount. The method for generating a transaction virtual account number to provide a group purchase as described in claim 6 wherein the method further comprises the server basis after the step of providing the accumulated amount from the transaction virtual account to the destination account. The freight rule transmitted by the main purchase client calculates a freight sharing amount corresponding to each of the group clients. The method for generating a transaction virtual account number to provide a group purchase as described in claim 6 wherein the method provides a judgment before the step of the server providing the accumulated amount from the transaction virtual account to the destination account. Whether the accumulated amount reaches the threshold of the transaction.