TW202115642A - Integrated mobile payment system and method - Google Patents

Abstract

The present invention relates to an integrated mobile payment system and method. The present invention includes providing multiple mobile payment modes by a plurality of mobile payment providers. The multiple mobile payment modes provided by the aforesaid plurality of mobile payment providers then be integrated by a server to generate an integrated barcode. After a receiving side receives and displays the integrated barcode at checkout, a payment side reads the integrated barcode by using a code scanner to display the multiple mobile payment modes, and then selects one of the displayed multiple mobile payment modes. Then, the selected mobile payment mode outputs a payment instruction, and a bank side executes a payment after receiving the payment instruction. By integrating the multiple mobile payment modes at the receiving side, the procedures for login, authentication, etc. when the payment side performs a mobile payment are reduced, thereby improving the cashier and payment efficiency.

Description

Integrated mobile payment system and method

The present invention relates to an integrated mobile payment system and method, and particularly refers to the invention of the payment terminal scanning the integrated bar code of the receiving terminal to obtain different mobile payment modes for selection, so as to perform mobile payment.

The Republic of China Patent Announcement No. I485636 "Using integrated barcode processing control method for payment information in systems and mobile devices" mainly discloses a system that can control servers and mobile devices and conduct transactions by integrating barcodes, which is used in the system The control method of integrated barcode processing payment information includes the following steps: the mobile device downloads the application used to generate the integrated barcode; the mobile device receives the unique identification code from the payment gateway server; if the user login information is valid, the mobile device sends the unique identification If the unique identification code is valid, the mobile device displays a list of multiple payment methods corresponding to the integrated barcode; the mobile device sends the information of the specific payment method to the payment gateway server; the mobile device receives the corresponding payment method Integrate bar code data; mobile devices can pay for the first item at the first point of sale by integrating the bar code, and can also pay for the second item at the second point of sale.

The previous technology is to integrate multiple payment methods into the application in the mobile phone. The integration action is on the payer, not the receiver. As a result, the payer must download the application, verify the user’s login information, verify the payment method, and integrate the payment. Ways and other steps, and a considerable amount of pre-work is required.

In order to solve the inconvenience of conventional mobile payment in setting and use, the present invention proposes an integrated mobile payment system, including:

Multiple mobile payment providers respectively provide a mobile payment mode; a server terminal, which is connected to the aforementioned mobile payment provider by signals, is used to integrate multiple mobile payment modes of the aforementioned mobile payment provider to provide an integrated barcode; Terminal, the signal is connected to the server terminal to receive and display the integrated barcode; one payment terminal has a code scanner to read the integrated barcode to display the above mobile payment mode, and the payment terminal selects one of the actions The payment mode is used to output a payment instruction through the mobile payment mode; a bank terminal, a signal connecting the mobile payment provider and the payment terminal, is used to receive the payment instruction and execute the payment.

The present invention further proposes an integrated mobile payment method, including:

A mobile payment mode is provided by multiple mobile payment providers; a server integrates the multiple mobile payment modes of the aforementioned mobile payment providers to provide an integrated barcode; a receiving terminal receives the integrated barcode and completes The integrated bar code is displayed during payment; a payment terminal uses a code scanner to read the integrated bar code to display the above mobile payment mode, then select one of the mobile payment modes, and output a payment instruction through the mobile payment mode; The bank receives the payment instruction and executes the payment.

Furthermore, the payment terminal is a cash register system.

Furthermore, the payment terminal is a handheld mobile device or smart watch.

Furthermore, the above-mentioned mobile payment modes include Taiwan PAY, LINE PAY, APPLE PAY, GOOGLE PAY, SAMSUNG PAY, Jiekou Payment, Pi wallet payment, OuPay, Alipay and WeChat Pay.

Further, the integrated barcode is a QR code.

According to the above technical features, the following effects can be achieved:

1. The user can select the mobile payment method he wants to use by scanning the integrated barcode on the receiving terminal with a handheld mobile device or smart watch.

2. Use integrated barcodes to integrate multiple payment methods to improve the inconvenience of payment by the payer, such as credit card machines, inductive credit card machines, and barcodes for various mobile payments.

Based on the above technical features, the main effects of the integrated mobile payment system and method of the present invention will be clearly presented in the following embodiments.

Referring to the first figure, the mobile payment system of this embodiment includes:

Multiple mobile payment providers (1) are provided by mobile payment service providers. A server (2), the signal is connected to the aforementioned mobile payment provider (1). A receiving terminal (3), the signal is connected to the server terminal (2), and the receiving terminal (3) is generally a cash register system of a store. A payment terminal (4) has a code scanner (41) that can read an integrated barcode (A) provided by the payment terminal (3), and the integrated barcode (A) preferably uses a QR code , And the payment terminal (4) uses a handheld mobile device or a smart watch, for example. A bank terminal (5), a signal connecting the mobile payment provider (1) and the payment terminal (4), the bank terminal (5) provides the payment terminal (4) mobile banking services, and supports the mobile payment provider (1) Mobile payment services provided.

As shown in Figures 1 to 3, the above multiple mobile payment providers (1) will provide a mobile payment mode (6), such as Taiwan PAY, LINE PAY, APPLE PAY, GOOGLE PAY, SAMSUNG PAY, Jiekou Payment, Pi wallet payment, OuPay, Alipay and WeChat payment and other payment modes. These mobile payment modes (6) will be integrated by the server (2) to provide the integrated barcode (A ), and the receiving terminal (3) will receive the integrated barcode (A). When the user goes to the store to consume and purchase products for checkout, the receiving terminal (3), for example, uses a two-dimensional barcode to confirm the payment amount, and then the integrated barcode (A) will be displayed on a screen, and the user will then hold it by hand The barcode scanner (41) of the payment terminal (4), such as a mobile device or smart watch, reads the integrated barcode (A), and the integrated barcode (A) links the above mobile payment mode (6), these actions The payment mode (6) will be displayed on the payment terminal (4) for the user to choose, and when the user selects one of the mobile payment modes (6), a payment will be output through the selected mobile payment mode (6) Order to the bank terminal (5), the bank terminal (5) will verify the identity and authority of the payment terminal (4) after receiving the payment instruction. When the verification is successful, the payment will be executed and the mobile payment provider (1) ) After the payment is confirmed, the receiving terminal (3) will be notified through the server (2) to complete the consumption.

And by integrating multiple mobile payment modes in the receiving terminal (3), the registration and authentication procedures when the payment terminal (4) uses mobile payment can be reduced, so as to improve the efficiency of cashier and payment. The use of the integrated barcode (A) to link different mobile payment modes can improve the payment terminal (3) that previously had to provide a variety of devices, such as credit card machines, sensory credit card machines, barcodes for various mobile payments, etc. for payment by the payer Inconvenience.

Based on the description of the above embodiments, when one can fully understand the operation and use of the present invention and the effects of the present invention, but the above embodiments are only the preferred embodiments of the present invention, and the implementation of the present invention cannot be limited by this. The scope, that is, simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the description of the invention, are all within the scope of the present invention.

(1): Mobile payment supply side (2): Server (3): Receiving terminal (4): Payment terminal (41): Barcode scanner (5): Bank side (6): Mobile payment model (A): Integrated barcode

[The first figure] is a schematic diagram of the mobile payment system of the present invention.

[The second figure] is a flowchart of the mobile payment method of the present invention.

[The third figure] is a schematic diagram of the payment terminal scanning the integrated barcode to display different mobile payment modes for selection when the present invention is implemented.

(1): Mobile payment supply side

(2): Server

(3): Receiving terminal

(4): Payment terminal

(41): Barcode scanner

(5): Bank side

(A): Integrated barcode

Claims (6)

An integrated mobile payment system, including: Multiple mobile payment providers provide a mobile payment mode; A server terminal, a signal connected to the aforementioned mobile payment provider, used to integrate multiple mobile payment modes of the aforementioned mobile payment provider, and provide an integrated barcode; A receiving terminal, the signal is connected to the server terminal to receive and display the integrated barcode; A payment terminal has a code scanner for reading the integrated barcode to display the above mobile payment mode, the payment terminal selects one of the mobile payment modes, and outputs a payment instruction through the mobile payment mode; A bank terminal, a signal connecting the mobile payment provider and the payment terminal, is used to receive the payment instruction and execute the payment. Such as the integrated mobile payment system described in item 1 of the scope of patent application, wherein the payment terminal is a cash register system. Such as the integrated mobile payment system described in item 1 of the scope of patent application, wherein the payment terminal is a handheld mobile device or a smart watch. For example, the integrated mobile payment system described in item 1 of the scope of patent application, in which the above mobile payment modes include Taiwan PAY, LINE PAY, APPLE PAY, GOOGLE PAY, SAMSUNG PAY, Jiekou Payment, Pi wallet payment, Oupay, Alipay And WeChat Pay. The integrated mobile payment system described in item 1 of the scope of patent application, wherein the integrated barcode is a QR code. An integrated mobile payment method, including: Multiple mobile payment providers respectively provide a mobile payment mode; A server integrates multiple mobile payment modes of the aforementioned mobile payment provider to provide an integrated barcode; A receiving terminal receives the integrated barcode and displays the integrated barcode during checkout; A payment terminal uses a code scanner to read the integrated barcode to display the above mobile payment mode, then select one of the mobile payment modes, and output a payment instruction through the mobile payment mode; A bank receives the payment instruction and executes the payment.

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