TW202009821A - Mobile payment system and payment method thereof including a server unit, a plurality of positioning devices and a plurality of transaction hosts - Google Patents

Abstract

This invention discloses a mobile payment system including a server unit, a plurality of positioning devices and a plurality of transaction hosts; when determining that a received current positioning data calculated by one of the positioning devices falls on a service location, the server unit transmits a user identification data corresponding to the positioning data, a credit card data corresponding to the positioning data and a license plate number data corresponding to the positioning data to the transaction host arranged on the service location so that the transaction host displays the license plate number data. The transaction host selects one of the displayed license plate number data as a target license plate number according to the corresponding operation of an operator and transmits a transaction request containing a transaction amount and the credit card data corresponding to the target license plate number data to a credit card acquiring system.

Description

Mobile payment system and payment method

The invention relates to a payment system, in particular to a mobile payment system, and the invention also relates to a payment method of the foregoing mobile payment system.

In recent years, mobile payment methods have become more and more convenient, and the scope of use has become wider and wider, from convenient supermarkets, general stores, chain hypermarkets and taxis, etc. Mobile payment can be used. Recently, gas stations can also be used according to regulations. Pay by mobile payment.

When using mobile payment at a gas station, consumers must get off the vehicle and bring the mobile device to the transaction host of the toll booth for sensing or scanning to pay. There is still room for improvement in convenience.

Therefore, the object of the present invention is to provide a mobile payment system.

Another object of the present invention is to provide a mobile payment method in which a user can use mobile payment without getting off the bus.

Therefore, the mobile payment system of the present invention is suitable for communicating with a credit card acquiring system. The mobile payment system includes a server unit, multiple positioning devices, and multiple transaction hosts. The server unit stores multiple service locations and multiple User data, each user data includes a user identification data, a credit card data and a license plate number data. The positioning devices are connected to the server unit, each positioning device is adapted to move with a vehicle as its carrier, and can calculate a positioning data indicating its own location, and the positioning data together with the corresponding User identification data is sent to the server unit. The transaction hosts are respectively operated by multiple operators, are connected to the server unit, and are respectively installed at the service locations.

When the server unit determines that the position indicated by the currently received positioning data falls within one of the service locations as a service location of a target location according to the positioning data currently received, the server unit The user identification data corresponding to the received positioning data, the corresponding credit card data and the corresponding license plate number data are transmitted to the transaction host set at the target location.

When the transaction host receives the user identification data, the credit card data and the license plate number data from the server unit, the transaction host displays the license plate number data.

The transaction host selects one of the license plate number data displayed on it as a target license plate number data according to the corresponding operation of the operator.

The transaction host sends a transaction request to the credit card acquiring system according to the corresponding operation of the operator, the transaction request includes a transaction amount, and the credit card data corresponding to the target license plate number data, and the transaction request causes the The credit card acquiring system executes a credit card transaction program corresponding to the transaction amount of the transaction request and the credit card information.

In some implementations, each transaction host is adapted to communicate with a fuel dispenser, and the transaction amount of the transaction request is related to an original transaction amount accepted from the fuel dispenser and indicating a refueling fee.

In some embodiments, each user data stored in the server unit also includes a transaction history record. When the credit card acquiring system completes the credit card transaction procedure, the credit card acquiring system returns a transaction completion notification to the transaction host. When the transaction host receives the transaction completion notification, the transaction host sends a transaction record to the server unit, the transaction record includes the user identification data corresponding to the target license plate number data, a current date and time, and the The transaction amount of the transaction request and the credit card information. When the server unit receives the transaction record, the server unit adds the transaction record to the transaction history record corresponding to the user identification data of the transaction record according to the user identification data of the transaction record.

In some implementation forms, each transaction host stores a plurality of preferential discount calculation principles and a plurality of preferential discount conditions respectively corresponding to the preferential discount calculation principles. Before the transaction host sends the transaction request to the credit card acquiring system, the transaction host determines whether the credit card information corresponding to the target license plate number data meets one of the preferential discount conditions. When the transaction host determines that the credit card information corresponding to the target license plate number data meets one of the preferential discount conditions, the transaction host calculates according to an original consumption amount and the preferential discount calculation principle corresponding to the preferential discount condition The transaction amount. When the transaction host determines that the credit card information corresponding to the target license plate number data does not meet one of the preferential discount conditions, the transaction host uses the original consumption amount as the transaction amount.

The payment method of the mobile payment system of the present invention is suitable for communication with a credit card acquiring system, and the mobile payment system includes a server unit, multiple positioning devices, and multiple transaction hosts. The server unit stores multiple Service locations and multiple user data, each user data includes a user identification data, a credit card data and a license plate number data, each of these positioning devices is suitable for a vehicle as its vehicle And move, and can calculate a positioning data indicating its own location, and send the positioning data together with the corresponding user identification data to the server unit, the transaction hosts are for multiple operators to operate, and Set at the service locations respectively, the method includes: when the server unit judges that the location indicated by the currently received location data falls in one of the service locations as a target according to the location data currently received At the service location of the location, the server unit transmits the user identification data corresponding to the positioning data currently received, the corresponding credit card data and the corresponding license plate number data to the transaction host set at the target location. When the transaction host receives the user identification data, the credit card data and the license plate number data from the server unit, the transaction host displays the license plate number data. The transaction host selects one of the license plate number data displayed on it as a target license plate number data according to the corresponding operation of the operator. The transaction host sends a transaction request to the credit card acquiring system according to the corresponding operation of the operator, the transaction request includes a transaction amount, and the credit card data corresponding to the target license plate number data, and the transaction request causes the The credit card acquiring system executes a credit card transaction program corresponding to the transaction amount of the transaction request and the credit card information.

The function of the present invention is to correspond to the currently received positioning data when the server unit determines that the position indicated by the currently received positioning data falls on the target location according to the currently received positioning data The user identification data, the corresponding credit card data and the corresponding license plate number data are sent to the transaction host set at the target location for the transaction host to display the license plate number data, and the transaction host according to the corresponding The operator's operation selects one of the license plate number data displayed on it as the target license plate number data, and transmits the transaction request containing the transaction amount and the credit card data corresponding to the target license plate number data to the credit card receipt System, so that the owner can complete the transaction without getting off the bus.

Referring to FIG. 1, a first embodiment of the mobile payment system 100 of the present invention is suitable for communicating with a credit card acquiring system 5. The mobile payment system 100 includes a server unit 1, a plurality of positioning devices 2 and a plurality of transaction hosts 3.

The server unit 1 stores multiple service locations B1 and multiple user data B2. Each user data B2 includes a user identification data C1, a credit card data C2, a license plate number data C3 and a transaction history record C4.

The positioning devices 2 are connected to the server unit 1, and each positioning device 2 is adapted to move with a vehicle as a vehicle, and can calculate a positioning data indicating its own location. Each positioning device 2 is a smart phone, a tablet computer or a vehicle-mounted computer with a positioning function, but it is not limited thereto.

The transaction hosts 3 are connected to the server unit 1 and are respectively installed at the service locations B1, and are respectively operated by a plurality of operators. Each transaction host 3 stores a plurality of preferential discount calculation principles D1 and a plurality of preferential discount conditions D2.

1 and 2, the steps of the payment method of the mobile payment system 100 will be described below.

First, as shown in step S01, one of the positioning devices 2 transmits the positioning data and the corresponding user identification data C1 to the server unit 1.

Next, as shown in step S02, the server unit 1 determines whether the position indicated by the currently received positioning data falls in one of the service locations B1 based on the currently received positioning data, if not, Then, the flow ends, if yes, step S03 is executed.

Next, as shown in step S03, when the server unit 1 determines that the location indicated by the currently received positioning data falls on one of the service locations B1 as a target location based on the currently received positioning data At the service location, the server unit 1 transmits the user identification data C1 corresponding to the positioning data currently received, the corresponding credit card data C2 and the corresponding license plate number C3 data to the target set Location of the transaction host 3.

Next, as shown in step S04, when the transaction host 3 receives the user identification data C1, the credit card data C2 and the license plate number C3 data from the server unit 1, the transaction host 3 displays the license plate number C3 .

Next, as shown in step S05, the transaction host 3 selects one of the license plate numbers C3 of the license plate numbers C3 displayed on the transaction host 3 as a target license plate number data according to the corresponding operation of the operator.

Next, as shown in step S06, the transaction host 3 receives an original transaction amount. In this embodiment, the service locations B1 indicate the locations of a plurality of gas stations, and each transaction host 3 is adapted to communicate with a gas dispenser 4 of the service location B1 where it is located. The original transaction amount received by the transaction host 3 comes from the fuel dispenser 4 in communication with it, and the original transaction amount indicates the refueling fee. However, the location to which the present invention is applied is not limited to the gas station, and the parking lot may also be the location to which the present invention is applied.

Next, as shown in step S07, the transaction host 3 determines whether the credit card data C2 corresponding to the target license plate number data meets one of the preferential discount conditions D2. If otherwise, step S08 is executed, the transaction host 3 consumes the original The amount is used as the transaction amount. If yes, step S09 is executed.

Step S09 is that the transaction host 3 calculates the transaction amount according to the original consumption amount and the preferential discount calculation principle D1 corresponding to one of the preferential discount conditions D2.

Next, as shown in step S10, the transaction host 3 transmits a transaction request to the credit card acquiring system 5 according to the corresponding operation of the operator. The transaction request includes a transaction amount and the credit card data C2 corresponding to the target license plate number data. The transaction request causes the credit card acquiring system 5 to execute a credit card transaction program corresponding to the transaction amount of the transaction request and the credit card data C2. After completing the credit card transaction procedure, the credit card acquiring system 5 notifies the transaction host 3 of a transaction completion notification.

Next, as shown in step S11, when the transaction host 3 receives the transaction completion notification returned by the credit card acquiring system 5, the transaction host transmits a transaction record to the server unit 1. The transaction record includes the user identification data C1 corresponding to the target license plate number data, a current date and time, the transaction amount of the transaction request and the credit card data C2.

Next, as shown in step S12, when the server unit 1 receives the transaction record, the server unit 1 adds the transaction record to the user identification of the transaction record based on the user identification data C1 of the transaction record The transaction history record C4 corresponding to the data C1.

In summary, when the mobile payment system 100 of the present invention determines that the location indicated by the currently received positioning data falls in the target location according to the currently received positioning data, Transmit the user identification data C1 corresponding to the positioning data currently received, the corresponding credit card data C2 and the corresponding license plate number data C3 to the transaction host 3 set at the target location for the transaction host 3 to display The license plate number data C3, and the transaction host 3 selects one of the displayed license plate number data C3 as the target license plate number data according to the corresponding operation of the operator, and transmits the transaction amount and the target license plate The transaction request of the credit card data C2 corresponding to the number data is sent to the credit card acquiring system 5, so as to achieve the effect that the owner can complete the transaction without getting off the vehicle, so the purpose of the invention can be achieved.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still classified as This invention covers the patent.

1‧‧‧Server unit 2‧‧‧Locating device 3‧‧‧Transaction host 4‧‧‧Fuel dispenser 5‧‧‧Credit card acquiring system B1‧‧‧Service location B2‧‧‧User data C1‧‧‧ User identification data C2‧‧‧Credit card data C3‧‧‧ License plate number data C4‧‧‧Transaction history record D1‧‧‧Preferential discount calculation principle D2‧‧‧Preferential discount conditions S01~S12‧‧‧Steps

Other features and functions of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a schematic diagram of a hardware connection relationship of an embodiment of the mobile payment system of the present invention; and FIG. 2 is the implementation A flowchart of an example illustrates the steps of the payment method of the mobile payment system.

100‧‧‧Mobile payment system

1‧‧‧Server unit

2‧‧‧Locating device

3‧‧‧ trading host

4‧‧‧Fuel dispenser

5‧‧‧Credit card acquiring system

B1‧‧‧ Service location

B2‧‧‧User information

C1‧‧‧User identification data

C2‧‧‧Credit Card Information

C3‧‧‧ License plate number information

C4‧‧‧ Transaction history

D1‧‧‧Principles of discount calculation

D2‧‧‧Preferential discount conditions

Claims (8)

A mobile payment system suitable for communicating with a credit card acquiring system. The mobile payment system includes: a server unit storing multiple service locations and multiple user data, each user data includes a user identification data, A credit card data and a license plate number data; a plurality of positioning devices connected to the server unit, each positioning device is suitable for moving with a vehicle as its vehicle, and can calculate a positioning data indicating its own location , And send the positioning data together with the corresponding user identification data to the server unit; and a plurality of transaction hosts, which are respectively operated by multiple operators, are connected to the server unit, and are respectively provided in the services Location; when the server unit judges that the location indicated by the currently received positioning data falls in one of the service locations as a service location of a target location according to the location data currently received, the server unit Sending the user identification data corresponding to the positioning data currently received, the corresponding credit card data and the corresponding license plate number data to the transaction host set at the target location; when the transaction host receives from the server The user identification data, the credit card data and the license plate number data of the unit, the transaction host displays the license plate number data; the transaction host selects one of the license plate number data displayed according to the operation of the corresponding operator Target license plate number data; the transaction host sends a transaction request to the credit card acquiring system according to the corresponding operation of the operator, the transaction request includes a transaction amount, and the credit card data corresponding to the target license plate number data, and The transaction request causes the credit card acquiring system to execute a credit card transaction program corresponding to the transaction amount and the credit card information of the transaction request. The mobile payment system as described in claim 1, wherein each transaction host is adapted to communicate with a fuel dispenser, and the transaction amount of the transaction request is related to an original transaction amount accepted from the fuel dispenser and indicating a refueling fee . The mobile payment system according to claim 1, wherein each user data stored in the server unit further includes a transaction history record; when the credit card acquiring system completes the credit card transaction procedure, the credit card acquiring system returns Transmit a transaction completion notification to the transaction host; when the transaction host receives the transaction completion notification, the transaction host sends a transaction record to the server unit, the transaction record includes the user corresponding to the target license plate number data Identification data, a current date and time, and the transaction amount of the transaction request and the credit card information; when the server unit receives the transaction record, the server unit based on the user identification data of the transaction record, the transaction Record the transaction history record corresponding to the user identification data added to the transaction record. The mobile payment system according to claim 1, wherein each transaction host stores a plurality of preferential discount calculation principles and a plurality of preferential discount conditions respectively corresponding to the preferential discount calculation principles; transmitting the transaction request to the transaction host Before giving the credit card acquiring system, the transaction host determines whether the credit card information corresponding to the target license plate number data meets one of the preferential discount conditions; when the transaction host determines that the credit card data corresponding to the target license plate number data conforms to the One of the preferential discount conditions, the transaction host calculates the transaction amount based on an original consumption amount and the preferential discount calculation principle corresponding to the preferential discount condition; when the transaction host determines the corresponding The credit card information does not meet one of these preferential discount conditions, and the transaction host takes the original consumption amount as the transaction amount. A payment method for a mobile payment system. The mobile payment system is suitable for communication with a credit card acquiring system. The mobile payment system includes a server unit, multiple positioning devices, and multiple transaction hosts. The server unit stores multiple Service location and multiple user data, each user data includes a user identification data, a credit card data and a license plate number data, each positioning device is suitable for moving with a vehicle as its vehicle, and can be calculated A positioning data indicating its own location, and sending the positioning data together with the corresponding user identification data to the server unit, the transaction hosts are respectively operated by multiple operators, and are respectively set at the service locations , The method includes: when the server unit determines that the position indicated by the currently received positioning data falls in one of the service locations as a service location of a target location according to the positioning data currently received, the The server unit transmits the user identification data corresponding to the positioning data currently received, the corresponding credit card data and the corresponding license plate number data to the transaction host set at the target location; when the transaction host receives from The user identification data, the credit card data and the license plate number data of the server unit, the transaction host displays the license plate number data; the transaction host displays one of the license plate number data according to the corresponding operation of the operator Selected as a target license plate number data; and the transaction host sends a transaction request to the credit card acquiring system according to the corresponding operation of the operator, the transaction request includes a transaction amount, and the target license plate number data corresponding to the Credit card information, and the transaction request causes the credit card acquiring system to execute a credit card transaction program corresponding to the transaction amount of the transaction request and the credit card information. The payment method of the mobile payment system as described in claim 5, wherein each transaction host is adapted to communicate with a fuel dispenser, and the transaction amount of the transaction request is related to a receipt received from the fuel dispenser and indicating a fuel fee The original transaction amount. The payment method of the mobile payment system according to claim 5, wherein each user data stored in the server unit further includes a transaction history record, and when the credit card acquiring system completes the credit card transaction procedure, the credit card receives The single system returns a transaction completion notification to the transaction host. The method further includes: When the transaction host receives the transaction completion notification, the transaction host transmits a transaction record to the server unit, the transaction record includes the target license plate The user identification data corresponding to the number data, a current date and time, the transaction amount of the transaction request and the credit card information; and when the server unit receives the transaction record, the server unit according to the transaction record The user identification data adds the transaction record to the transaction history record corresponding to the user identification data of the transaction record. The payment method of the mobile payment system according to claim 5, wherein each transaction host stores a plurality of preferential discount calculation principles and a plurality of preferential discount conditions respectively corresponding to the preferential discount calculation principles, the method further includes: Before the transaction host sends the transaction request to the credit card acquiring system, the transaction host determines whether the credit card information corresponding to the target license plate number data meets one of the preferential discount conditions; when the transaction host determines the target license plate number If the credit card information corresponding to the data meets one of the preferential discount conditions, the transaction host calculates the transaction amount based on an original consumption amount and the preferential discount calculation principle corresponding to the preferential discount condition; and when the transaction host It is determined that the credit card information corresponding to the target license plate number data does not meet one of the preferential discount conditions, and the transaction host uses the original consumption amount as the transaction amount.

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