TW201913479A - Payment method and integrated payment system - Google Patents

Abstract

The present invention discloses a payment method, which is applied to an integrated payment system. The payment method comprises the following steps: a first consumer device displaying a trade code; a second merchant device reading and accessing the trade code, and generating a trade data; the second merchant device transmitting the trade code and the trade data to a second payment platform server; the second payment platform server determining whether the trade code having a first payment platform identification code or not; in the case of the trade code having a first payment platform identification code, the second payment platform server transmitting the trade code and the trade data to a first payment platform server; and the first payment platform server executing a transaction processing task. The payment method of the present invention could solve the problem of the members from the different the third party payment platform cannot transact to each other.

Description

Payment method and integrated payment system

The present invention relates to a payment method and system, and more particularly to a payment method and system that can integrate multiple third-party payment platforms.

With the rapid development of e-commerce, the current consumer trading model has gradually shifted from cash payment to electronic payment. In recent years, as the performance of smart phones has increased, the payment for payment by smart phones has become more and more popular, replacing the payment previously paid by cash or physical card (such as credit card, stored value card, or financial card). the way. Although the existing payment methods are diverse and convenient, they also make consumers and sellers more concerned about the security of transactions.

In order to provide a safe and trustworthy trading environment for both consumers and sellers, there is a third-party payment (Third-Party Payment) online trading platform, hereinafter referred to as a third-party payment platform. Generally speaking, the payment method for the financial conversion between the buyer and the seller through the online trading platform is a third party payment. With the popularity of mobile payments, the number of third-party payment platforms is increasing.

However, third-party payment platforms are limited to use in situations where both consumers and merchants are members. In other words, when making a transaction payment, both the consumer and the merchant must join the same third-party payment platform, and the third-party payment platform can be used to pay the payment or collect the payment. For example, if the consumer is a member of the A (third party) payment platform and the merchant is a member of the B (third party) payment platform, the consumer is not able to make payments using third party payment.

As the number of third-party payment platforms has increased dramatically, a payment method or system is needed to integrate multiple third-party payment platforms.

In view of the above problems, the main object of the present invention is to provide a payment method and an integrated payment system. The first consumer device displays a transaction code, and the second store device reads the transaction code and directly transmits the transaction code to the second. a payment platform server, and the second payment platform server may determine whether the transaction code has a first payment platform identifier, and if so, transmit to the first payment platform server for transaction processing to resolve the different third party payment Members of the platform are unable to trade.

To achieve the above objective, the present invention provides a payment method for an integrated payment system including a first payment platform server, a second store device, and a second payment platform server. The first payment platform server is connected to the at least one first consumer device via the network. The payment method includes the following steps: the first consumer device displays a transaction code; the second store device reads the transaction code from the first consumer device and generates a transaction data; and the second store device transmits the transaction code and the transaction data to a second payment platform server; the second payment platform server receives the transaction code and the transaction data; the second payment platform server determines whether the transaction code has a first payment platform identification code; and when the transaction code has the first payment platform identification code Transmitting the transaction code and the transaction data to the first payment platform server; and the first payment platform server executing a transaction processing operation according to the transaction code and the transaction data.

To achieve the above object, the present invention further provides an integrated payment system connected to at least one first consumer device via a network. The integrated payment system includes a first payment platform server, a second store device, and a second payment platform server. The first payment platform server includes a first transmission module and a first processing module. The first transmission module is connected to the first consumer device and the financial center server. The second store-side device reads a transaction code from the first consumer device and generates a transaction data. The second payment platform server includes a second transmission module and a second processing module. The second transmission module is connected to the second store device and the first payment platform server via the network, and the second transmission module receives the transaction code and the transaction data from the second store device. The second processing module determines whether the transaction code has a first payment platform identification code. When the transaction code has the first payment platform identifier, the second transmission module transmits the transaction code and the transaction data to the first payment platform server, and the first payment platform server executes a transaction processing operation according to the transaction code and the transaction data.

In one embodiment of the invention, the first payment platform server transmits the transaction code to the first consumer device.

In one embodiment of the invention, the first payment platform server transmits a transaction code generation application to the first consumer device, and the first consumer device executes the transaction code generation application to generate the transaction code.

In an embodiment of the present invention, the payment method further includes the steps of: the first payment platform server obtaining a consumer member data from the first consumer device, and generating a corresponding member number according to the consumer member data, the transaction code is further Includes member number.

In an embodiment of the invention, the transaction data includes a store code of one of the second store-side devices, and a transaction amount.

In one embodiment of the invention, the store code is generated by the second payment platform server in accordance with a contract store profile of the second store side device.

According to the payment method and the integrated payment system of the present invention, the first store device displays a transaction code, and the second store device reads the transaction code and directly transmits the transaction code to the second payment platform server. The second payment platform server can determine whether the transaction code has the first payment platform identifier, and if so, transmit to the first payment platform server for transaction processing. Therefore, even if the first consumer device and the second store device are respectively members of the first payment platform and the second payment platform, that is, members who are not the same third-party payment platform, the first consumer device may also be in the second store. The end device makes payment to reach the members of different third-party payment platforms, and the effect of the transaction can also be performed.

In order to enable the reviewing committee to better understand the technical contents of the present invention, the preferred embodiments are described below.

FIG. 1 is a schematic diagram of a usage environment of an embodiment of an integrated payment system according to the present invention. Please refer to FIG. 1 first. The integrated payment system P of the embodiment can integrate a plurality of third-party payment platforms, and the third-party payment platform using the integrated payment system P of the embodiment is a special payment platform. For example, the following embodiments are exemplified by integrating two third-party payment platforms, and are respectively referred to as a first payment platform and a second payment platform, and the first payment platform and the second payment platform are mutually exclusive payment. platform. In addition, the server providing the third-party payment operation interface is referred to as the first payment platform server 1 and the second payment platform server 2, respectively. In other words, the first payment platform server 1 and the second payment platform server 2 can provide a third-party payment operation interface through the network, and the consumer terminal and the store terminal can operate the electronic device having the communication function to become the first payment. Member of the platform or the second payment platform. It should be noted that, in order to clearly explain the problem to be solved by the present invention, the present embodiment excludes the situation in which members of the first payment platform and the second payment platform are simultaneously added.

The electronic device operated by the members of the first payment platform and the second payment platform may be an electronic device having a computer software, such as a smart phone, a PDA, a tablet computer (PAD), a personal computer, etc., and the invention is not limited thereto. In addition, for the electronic device operated by the members of the first payment platform and the second payment platform, the present embodiment is distinguished by "first" and "second", for example, the consumption of the first payment platform. The electronic device operated by the member is referred to as the first consumer device 10, and the electronic device operated by the store member of the first payment platform is referred to as the first store device (not shown); the consumer of the second payment platform The electronic device operated by the end member is referred to as a second consumer device (not shown), and the electronic device operated by the store member of the second payment platform is referred to as a second store device 20. Similarly, in order to clearly illustrate the technical features of the present invention, the following embodiments take the first consumer device 10 and the second store device 20 as examples.

The first payment platform server 1 of the present embodiment includes a first transmission module 11, a first processing module 12, and a first memory module 13, and the first processing module 12 and the first transmission module 11 and the first A memory module 13. The first transmission module 11 is communicatively coupled to the first consumer device 10 and the financial center server 9, that is, connected to the first consumer device 10 and the financial center server 9 via the network for data transmission. The manner in which the first payment platform server 1 and its data transmission with the first consumer device 10 and the financial center server 9 are different according to the hardware architecture of each other, specifically, Transmission data technology such as Ethernet, 3G, Wi-Fi or 4G LTE. Preferably, the first payment platform server 1 can be connected to the financial center server 9 via a virtual private network (VPN). The financial center server 9 of this embodiment includes a bank, or other network server that can act as a financial institution for payment.

Similarly, the second payment platform server 2 includes a second transmission module 21, a second processing module 22, and a second memory module 23. The second processing module 22 and the second transmission module 21 are respectively The second memory module 23 is connected to the second store-side device 20 and the first payment platform server 1 via the second transmission module 21 for data transmission, and the data transmission can be referred to as the first The description of the payment platform server 1 will not be described here. In other embodiments, the second store device 20 can also be connected to the second payment platform server 2 by the store server. The present invention is not limited, and the following embodiment is the second payment platform server 2. Directly with the second payment platform server 2 as an example. In addition, the second payment platform server 2 can also be connected to the financial center server 9 through a virtual private network, which is not limited in this embodiment.

The payment method of the present embodiment is applied to the integrated payment system P, and the integrated payment system P includes the server and the store device of each payment platform, that is, includes the first payment platform server 1 and the second store device 22 And a second payment platform server 2. 2 is a flow chart of an embodiment of a payment method according to the present invention, and please refer to FIG. 1 and FIG. 2 simultaneously to understand the present invention.

Step S10: The first payment platform server 1 obtains a consumer member profile from the first consumer device 10.

The first consumer device 10 in this embodiment is an example of a smart phone. The first consumer device 10 can download a payment application (Application, App) provided by the first payment platform, so that the consumer can operate. The first consumer device 10 transmits the consumer member information to the first payment platform server 1 to apply for membership of the first payment platform.

Moreover, the first payment platform server 1 receives the consumer member data through the first transmission module 11, and the first processing module 12 can generate a corresponding member number according to the consumer member information, and the member number and its corresponding The consumer member information, such as the basic identity information such as the name and the mobile phone number, and the payment data, the credit card number, and the like are stored in the first memory module 13. As shown in FIG. 3, FIG. 3 is a schematic diagram of a list of consumer member profiles stored in the first memory module shown in FIG. Moreover, the first memory module 13 of the embodiment is a non-transitory computer readable storage medium, including but not limited to a flash memory, a optical disc, or a magnetic disc. In addition, the members of the consumer who are registered as the first payment platform are different according to the regulations of each payment platform, and are not the focus of the present invention, and will not be further described herein.

Step S11: The first consumer device 10 displays a transaction code.

After the first consumer device 10 is registered as a member, the first payment platform server 1 can transmit the transaction code to the first consumer device 10. When the consumer wants to pay, the transaction code can be displayed by the first consumer device 10 for reading by the second store device 20. The transaction code can be displayed in the form of a one-dimensional barcode or a two-dimensional barcode (QR code). The invention is not limited, and the transaction code contains the source information of the payment platform, that is, the information from the first payment platform.

Specifically, when the consumer has a payment request, the first payment device may first transmit a payment request to the first payment platform server 1. Then, the first processing module 12 can generate a transaction code for use in the payment and transmit to the first consumer device 10 through the first transmission module 11. Alternatively, the first payment platform server 1 can transmit a transaction code generating application to the first consumer device 10, that is, the first consumer device 10 downloads the transaction code generating application from the first payment platform server 1. Or the aforementioned payment tool application contains the transaction code generation application, and the present invention is not limited. When the consumer has a payment request, the transaction code generation application can be executed by the first consumer device 10 to generate a dynamic barcode, that is, a transaction code, for use in the payment.

In this embodiment, the transaction code includes a first payment platform identifier and a member number, wherein the first payment platform identifier is the source information of the first payment platform, and the first payment platform identifier of the embodiment is a number. 123" indicates the field of the transaction code as shown in FIG. 3A. Of course, in the integrated payment system P, the transaction codes provided by different payment platform servers have different payment platform identification codes. For example, the second payment platform server 2 can also provide a transaction code, which includes the second payment platform. Identifier.

In the subsequent step, after the first payment platform server 1 or the second payment platform server 2 receives the transaction code, the source of the transaction code can be known by determining the payment platform identification code of the transaction code. For example, if the transaction code includes the first payment platform identifier (number "123"), the source of the transaction code is known as the first payment platform server 1, that is, the member of the first payment platform, and the other Details are further explained below. The member number enables the first payment platform server 1 to obtain the member information of the requesting payer, and the other details are further explained later.

As shown in FIG. 3A, the transaction code of this embodiment also includes the transaction time, so the payment is requested at different times, and the transaction code is of course different. Therefore, the transaction code of this embodiment is a dynamic transaction code to avoid the situation of being stolen. It should be noted that FIG. 3A is only an example, and the transaction time and the transaction code only display the date, and of course, the time of the transaction (hour/minute/second). In other embodiments, the transaction time in the transaction code may be replaced by the serial number, and multiple transaction codes may be provided to the first consumer device 10 at a time, and the transaction code may be automatically deleted or discarded after use, so that each transaction code is The present invention is not limited to different numbers.

Step S12: The second store-side device 20 reads the transaction code from the first consumer device 10 and generates a transaction data.

As described in step S11, when the consumer wants to pay, the transaction code can be displayed by the first consumer device 10, so that the second store device 20 can read the transaction code to generate a transaction data. The transaction data includes a store code of the second store-side device 20, and a transaction amount.

Specifically, the merchant can also transmit a store member profile through the second store-side device 20, thereby registering as a member of the second payment platform. The second transmission module 21 of the second payment platform server 2 obtains the store member data from the second store device 20, and the second processing module 22 generates the store code according to the store member data.

Step S13: The second store-side device 20 transmits the transaction code and the transaction data to the second payment platform server 2.

Since the second store-side device 20 is a store-side member of the second payment platform, the second store-side device 20 transmits the transaction code and the transaction data to the second payment platform server 2, as in the operation of the general third-party payment system.

Step S14: The second payment platform server 2 determines whether the transaction code has the first payment platform identification code.

Step S15: When the transaction code has the first payment platform server 1 identification code, the transaction code and the transaction data are transmitted to the first payment platform server 1.

In this embodiment, the second transmission module 21 receives the transaction code and transaction data (including the store code and the transaction amount) from the second store device 20, and the second processing module 22 determines whether the source of the transaction code is Provided by the first payment platform server 1. In this embodiment, the second processing module 22 can know the source of the transaction code by determining whether the transaction code has the first payment platform identification code. For example, if the transaction code received by the second transmission module 21 is " 123- A001-170315" (the third line of the transaction code field shown in FIG. 3), the second processing module 22 determines the transaction code " 123 ". -A001-170315" has the first payment platform identification code "123", and further knows that the source of the transaction code " 123- A001-170315" is the first payment platform server 1. Next, proceeding to step S15, the transaction code and the transaction data are transmitted to the first payment platform server 1, and the transaction processing operation is executed by the same.

The integrated payment system P of the present embodiment is described by taking two payment platforms, a first payment platform and a second payment platform as an example. Therefore, if the second processing module 22 determines that the transaction code does not have the first payment platform identifier, it is known that the source of the transaction code is not the first payment platform server 1, and should be the second payment platform server 2, It is then determined whether there is a second payment platform identifier. If the source is determined to be the second payment platform server 2, then the member of the second payment platform can directly execute the transaction processing job by the second payment platform server 2. Of course, the second processing module 22 can also first determine whether there is a second payment platform identifier. If so, the second payment platform server 2 directly executes the transaction processing operation; if not, proceeds to the foregoing step S14 to determine whether the transaction code has the first payment platform identification code. In other words, step S14 is one of a plurality of steps for determining the source of the transaction code.

In other embodiments, if the integrated payment system is composed of multiple (two or more) payment platforms, the transaction codes provided by different payment platform servers have different payment platform identification codes. In operation, it can be judged whether it is a member of its own, that is, whether it has its own payment platform identification code, and if not, it is determined in turn whether it is a member of other special payment platform.

Step S16: The first payment platform server 1 executes a transaction processing operation according to the transaction code and the transaction data.

The first payment platform server 1 receives the transaction code and the transaction data through the first transmission module 11, and executes the transaction processing operation by the first processing module 12. First, the transaction code includes the member number, and the first processing module 12 can obtain the corresponding consumer member information from the first memory module 13, and further know the payment method of the member, and obtain the transaction amount from the transaction data, and The store code that should be paid. Taking credit card payment as an example, the first payment platform server 1 can transmit an authorization request to the server of the issuing bank, that is, the financial center server 9 of the embodiment, wherein the authorization request includes the transaction data, including the transaction amount, and the payable amount. Store code, etc. The financial center server 9 confirms whether or not the authorization is based on the consumer member information and the transaction amount, and transmits the authorization result to the first payment platform server 1. If the authorization is approved, the information of the authorization success is transmitted to the first payment platform server 1, and the transaction amount is allocated to the corresponding store on the appointed date; if the authorization is rejected, the information of the authorization failure is transmitted to the first payment platform server 1 . Of course, if it is a stored value payment method, the deduction can be made directly without authorization by the financial center server 9.

Step S17: The first payment platform server 1 transmits a transaction result information to the second payment platform server 2 and the first consumer device 10.

The first payment platform server 1 transmits the transaction result information to the second payment platform server 2 and the first consumer device 10 according to the authorization result. For example, if the authorization is successful, the transaction result information of the “transaction completed” is transmitted, and if the authorization fails, the message is transmitted. "Transaction failed" transaction result information. Therefore, the first consumer device 10 can know whether the payment is successful.

Next, step S18: the second payment platform server 2 receives the transaction result information and transmits it to the second store device 20; and step S19: the second store device 20 receives the transaction result information. Therefore, the second store-side device 20 can also know whether the payment is successful through the transaction result information sent by the second payment platform server 2.

Therefore, even if the first consumer device 10 and the second store device 20 are members of the first payment platform and the second payment platform, respectively, that are not members of the same third-party payment platform, the first consumer device 10 can still be The second store side device 20 pays, and the second store side device 20 also transmits the transaction code and transaction data to the second payment platform server 2 (step S13). Regardless of whether the consumer device is a member of the first payment platform or the second payment platform, the second store device 20 performs the same operation mode (step S13), so the second store device 20 does not need to add other devices or software. Members who can support other payment platforms (such as the first consumer device 10 of the present embodiment) can make payments.

Moreover, it is determined by the second payment platform server 2 whether the transaction code is provided by the first payment platform server 1 (step S14), and if so, the transaction code and the transaction data are transmitted to the first payment platform server 1 (step S15), the first payment platform server 1 performs a transaction processing operation; if not, the second payment platform server 2 directly performs a transaction processing operation. Therefore, the second payment platform server 2 does not need to obtain the data of all members of the first platform from the first payment platform server 1, and can learn that the server is from the first payment platform server 1 through the design of the transaction code. And the transaction data can be transmitted to the first payment platform server 1. In other words, the first payment platform server and the second payment platform server do not need to provide their own member information, and can also protect the privacy of consumers.

In summary, according to the payment method and the integrated payment system of the present invention, the first store device displays a transaction code, and the second store device reads the transaction code and directly transmits the transaction code to the second payment platform server. The second payment platform server can determine whether the transaction code has the first payment platform identifier, and if so, transmit to the first payment platform server for transaction processing. Therefore, even if the first consumer device and the second store device are respectively members of the first payment platform and the second payment platform, that is, members who are not the same third-party payment platform, the first consumer device may also be in the second store. The end device makes payment to reach the members of different third-party payment platforms, and the effect of the transaction can also be performed.

It should be noted that the above is only an embodiment, and is not limited to the embodiment. For example, those who do not depart from the basic structure of the present invention should be bound by the scope of the patent, and the scope of the patent application shall prevail.

1‧‧‧First payment platform server

10‧‧‧First consumer device

11‧‧‧First transmission module

12‧‧‧First Processing Module

13‧‧‧First Memory Module

2‧‧‧Second payment platform server

20‧‧‧Second store device

21‧‧‧Second transmission module

22‧‧‧Second processing module

23‧‧‧Second memory module

9‧‧‧Financial Center Server

P‧‧‧Integrated Payment System

S10～S19‧‧‧Steps

FIG. 1 is a schematic diagram of a usage environment of an embodiment of an integrated payment system according to the present invention. 2 is a flow chart showing an embodiment of a payment method of the present invention. 3 is a schematic diagram of a list of consumer member profiles stored in the first memory module shown in FIG. 1.

Claims (12)

A payment method is applied to an integrated payment system, including a first payment platform server, a second store device, and a second payment platform server, the first payment platform being through the network and at least one first The payment device includes the following steps: the first consumer device displays a transaction code; the second store device reads the transaction code from the first consumer device, and generates a transaction data; The second store device transmits the transaction code and the transaction data to the second payment platform server; the second payment platform server receives the transaction code and the transaction data; and the second payment platform server determines whether the transaction code has a first payment platform identification code; when the transaction code has the first payment platform identification code, transmitting the transaction code and the transaction data to the first payment platform server; and the first payment platform server is based on the transaction The code and the transaction data perform a transaction processing operation. The payment method of claim 1, wherein the first payment platform server transmits the transaction code to the first consumer device. The payment method of claim 1, wherein the first payment platform server transmits a transaction code generating application to the first consumer device, and the first consumer device executes the transaction code generating application To generate the transaction code. For example, the payment method described in claim 1 further includes the following steps: the first payment platform server obtains a consumer member data from the first consumer device, and generates a correspondence according to the consumer member data. Member number, the transaction code also includes the member number. The payment method of claim 4, wherein the transaction material includes a store code of the second store-side device, and a transaction amount. The payment method of claim 4, wherein the store code is generated by the second payment platform server according to a contract store data of the second store device. An integrated payment system is connected to at least one first consumer device through a network. The integrated payment system includes: a first payment platform server, including a first transmission module and a first processing module, Coupled with each other, the first transmission module is connected to the first consumer device; a second store device reads a transaction code from the first consumer device, and generates a transaction data; and a second payment The platform server includes a second transmission module and a second processing module, and the second transmission module is connected to the second store device and the first payment platform server via a network, the second transmission mode The group receives the transaction code and the transaction data from the second store device, and the second processing module determines whether the transaction code has a first payment platform identification code, and the transaction code has the first payment when the transaction code is the transaction code a platform identification code, the second transmission module transmits the transaction code and the transaction data to the first payment platform server, and the first payment platform server executes a transaction according to the transaction code and the transaction data. Process the job. The integrated payment system of claim 7, wherein the first consumer device receives the transaction code from the first payment platform server. The integrated payment system of claim 7, wherein the first payment platform server transmits a transaction code generating application to the first consumer device, and the execution of the transaction code generating application generates the Transaction code. The integrated payment system of claim 7, wherein the first transmission module of the first payment platform server obtains a consumer member profile from the first consumer device, the first processing module A corresponding member number is generated according to the consumer member information, and the transaction code further includes the member number. The integrated payment system of claim 10, wherein the transaction material comprises a store code of the second store-side device, and a transaction amount. The integrated payment system of claim 11, wherein the store code is generated by the second payment platform server according to a contract store data of the second store device.