TW202117632A - System using QR code to perform agreed payment and method thereof with which users can quickly complete the agreed payment operations online so as to save the counter and checking manpower and speed up the agreement operation - Google Patents

Abstract

Provided are a system using QR code to perform agreed payment and a method thereof, including: generating a dedicated QR code for each user by at least one payment receiving end; using a mobile device to log in a payment application program to select a credit card or payment account of an issuing bank, and scanning the QR code and analyzing the payment information contained in the QR code for being transmitted to a verification platform; verifying the payment information by the verification platform, wherein the payment application program and the credit card or payment account perform an agreement operation if the verification result is correct and, after the agreement operation is completed, the mobile device replies to the verification platform with an agreement result for allowing the verification platform to notify the payment receiving end of the agreement result. Therefore, users can quickly complete the agreed payment operations online, so as to save the counter and checking manpower required for the conventional agreement operation, and improve the efficiency of completing the agreement operation.

Description

System and method for agreed payment by QR code

The present invention relates to a payment mechanism, in particular to a system and method for contract payment by QR code.

In recent years, a wave of mobile communications has emerged around the world, and transactions of various emerging mobile communications devices have emerged one after another, such as inductive transactions through mobile devices (such as Apple Pay, Google Pay, etc.) or by scanning codes (such as Alipay, WeChat, Jiekou Payment, etc.), so that mobile devices are no longer limited to communication purposes. Among them, scanning QR codes is the least restricted by mobile phone hardware and model, and the input cost of each unit is relatively low. You can scan QR codes with smart phones for consumption, payment or transfer.

In China’s mobile payment system, the use of mobile banks, mobile payment companies and electronic payment companies has gradually become popular. Scanning QR codes with mobile phones is also one of the applications. Therefore, it is to save the cost of repeated construction of the financial system and improve the security of QR codes. In addition to peer-to-peer (P2P) transfers and consumer deductions, the application scenarios of QR codes are also crucial to the development of payment scenarios. At present, the application of composite common QR Code to payment methods is already available. Printed QR code application on paper bills, but if you want to agree on deduction and payment, you still need to use a low-efficiency method such as counter or mailing.

The current main method for the public and the receiving terminal to make an agreed deduction is to fill in the agreed authorization letter and mail it back to the business form, and then the business unit forwards the authorization letter to the financial institution where the public opens the account for verification and completes the relevant system settings Reply to the business unit, and then the agreed deduction can be made. At present, although there are already online agreed service operations for chip financial cards, they need to be performed through computers and chip financial card readers, which is relatively inconvenient for the people.

Therefore, the present invention proposes a system and method for agreed payment by QR code, which effectively solves the above-mentioned problems. The specific structure and implementation methods will be described in detail below:

The main purpose of the present invention is to provide a system and method for agreeing to pay by QR code, which encodes the payment information of a business unit in a QR code, so that users can directly agree on credit card or payment online after scanning the QR code. Account number, no need to apply for an agreed account at the counter, which can greatly improve the efficiency of agreed operations.

Another object of the present invention is to provide a system and method for agreeing to pay by QR code, in which different business units can do the agreed operations one by one, and can respectively agree on the credit card or payment account of different issuing banks, which is convenient for users to check personal accounts. Services for control.

In order to achieve the above objective, the present invention provides a system for agreeing payment using QR codes, including: at least one receiving terminal, which generates an exclusive QR code for each user; and an accounting agent bank, assisting the receiving terminal to collect payments. Payment and receipt details; a mobile device, log in to a payment application and select a credit card or payment account of a card issuing bank, scan the QR code and parse the QR code to obtain the plural payment information contained in the QR code; and a verification platform , The signal connects the mobile device and the payment terminal, receives the payment information sent by the mobile device, and verifies whether the payment information is correct, the verification platform replies a verification result to the mobile device, if the verification result If it is correct, the payment application will perform an agreed operation with the credit card or payment account, and the agreed result will be returned to the verification platform, and the verification platform will then notify the payee and the accounting agency of the agreed result.

According to an embodiment of the present invention, the payment application can be an online banking application belonging to the issuing bank or a mobile payment application cooperating with the issuing bank.

According to an embodiment of the present invention, the verification platform is in a cooperative relationship with the issuing bank, the receiving terminal, and the accounting agent to verify whether the name of the receiving terminal included in the payment information is the cooperative relationship. Receiving terminal, and verify whether the payment application used by the mobile device complies with the issuing bank that has a cooperative relationship.

According to the embodiment of the present invention, the payment information includes the name of the receiving terminal, the code of the receiving terminal, the security code, the unique code of the agreed deduction, and so on. The collection terminal can be a water company, a power company, a gas company, a hospital, a school, etc. The unique code for the agreed deduction can be water number, electricity number, gas number, etc.

According to the embodiment of the present invention, after the receiving terminal receives the agreed result notified by the verification platform, it performs related system processing and notifies the user who performed the agreed operation of the agreed result.

According to the embodiment of the present invention, it further includes at least one billing agent bank, which is in a cooperative relationship with the receiving terminal, signals the verification platform and the issuing bank, and the verification platform transmits the agreed result to the bank in batches The accounting agent bank for the accounting agent bank to request deductions from the card-issuing bank in batches.

According to an embodiment of the present invention, after the payment application has agreed upon completion, it will reply with an agreed result to the verification platform, so that the verification platform can notify the receiving terminal and the accounting agent bank of the agreed result.

According to an embodiment of the present invention, the QR code is displayed on the Internet or on a paper bill.

The present invention further includes a method for agreeing to pay by QR code, including the following steps: at least one receiving terminal generates an exclusive QR code for each user; using a mobile device to log in to a payment application, and select one of the issuing banks After the credit card or payment account, scan the QR code and parse out the plural payment information contained in the QR code, and send it to a verification platform; and the verification platform verifies the payment information and responds with a verification result to the action If the verification result is correct on the device, the payment application will perform an agreed operation with the credit card or billing account.

The present invention provides a system and method for agreed payment by QR code, which improves the current situation that when the bill from the receiving end is sent to the user end, the user needs to hold the bill to the payment location to pay the payment every time, or go to a specific website For transfer or remittance, take the utility bill as an example. If the payment is made on the payment website (such as the national payment network), the user needs to enter the water number or electricity number exclusively. If the bill is not around, the water number or electricity number will not be known. What is the account number, and the disadvantage that online payment cannot be made. With the system and method provided by the present invention for agreeing on a credit card or payment account with a QR code, the user only needs to agree on the account once, and then automatically check the account every time a bill comes. The agreed credit card or billing account is automatically deducted, and there is no need to pay in person every time, which saves time and effort. In addition to facilitating online appointments for users, it can also avoid the problem of users being fined for breach of contract due to overdue payments. .

Figure 1 shows the block diagram of the system for agreed payment using QR code of the present invention, which includes at least one payment terminal 10, a mobile device 12, and a verification platform 14. The payment terminal 10 can be used for any payment that needs to be collected. The host or server set up by the institutions, units or enterprises, such as water supply companies, power companies, gas companies, hospitals or schools, etc., will generate an exclusive QR code for each user in accordance with the specifications of the verification platform. The QR code is displayed on the Internet or on a paper bill; an image capture device 122 is provided on the mobile device 12, and at least one payment application 124 is installed in the mobile device 12, and the payment application 124 can be a card issuing The online banking application that the bank belongs to, or the mobile payment application that cooperates with the issuing bank, and the payment application 124 needs to support the QR code specification and be able to decode the content contained in it. In this way, when a mobile device 12 After logging in to the payment application 124 and selecting a credit card or payment account of a card issuing bank, scan the QR code with the image capture device 122 to parse out the plural payment information contained in the QR code; the verification platform 14 is a third party The provided credible intermediary unit has a signal connected to the mobile device 12 and the receiving terminal 10, and after receiving the payment agreement information sent by the mobile device 12, it is verified whether it is correct.

The payment information contained in the QR code includes the name of the receiving terminal 10, the receiving terminal code, the security code, the unique code for the agreed deduction, etc. The unique code can be the water number, the electricity number, and the gas number according to different institutions. Wait. Therefore, after the payment information is parsed and sent to the verification platform 14, the verification platform 14 can know which cooperative receiving terminal 10 is and the unique code of the user based on the payment information.

Please refer to Figure 2 for the flow chart of the method of the present invention using QR code for agreed payment. In step S10, the receiving terminal generates an exclusive QR code for each user, and when the user terminal obtains this QR code, as shown in step S12 As mentioned, the user uses a mobile device 12 to log in to a payment application and selects a credit card or payment account of a card issuing bank, scans the QR code, and parses out the plural payment information contained in the QR code. In this step, if you log in The payment application for is an online banking application belonging to the issuing bank, and the mobile device has been connected to the issuing bank, but if the payment application logged in is a mobile payment application, it has not been connected to the selected issuing bank; steps In S14, the mobile device sends the parsed payment information to a verification platform for verification; in step S16, after the verification platform receives the payment information sent by the mobile device, it verifies whether the payment information is correct, especially whether the information at the receiving end is correct Correct; in steps S18~S20, the verification platform replies a verification result to the mobile device. If the verification result is correct, the payment application starts an appointment with the credit card or billing account, and returns an agreement result to the verification platform. So far, the user has completed the agreed operation of the receiving terminal. Next, in step S22, the verification platform further notifies the receiving end of the agreed result received, for the receiving end to perform related system processing, and notifies the agreed result to the user performing the agreed operation, as described in step S24.

In the present invention, the verification platform serves as a third-party intermediary platform, and it has a cooperative relationship with the issuing bank, the receiving terminal and the accounting agent bank. The use of the accounting agent bank is detailed below. The verification platform is used to verify whether the receiving end data contained in the payment information is a cooperative receiving end. For example, if a certain gas company has not joined the agreed payment system, the verification platform will analyze the payment information in the payment information. After verifying the terminal data, compare the data of the cooperative receiving terminal, you will find that the QR code is incorrect; the verification platform can also verify whether the payment application used by the mobile device matches the issuing bank with the cooperative relationship, assuming that the receiving terminal or The verification platform only has a cooperative relationship with the three banks A, B, and C. If the user scans the QR code with the online banking application of Bank D and sends the payment information to the verification platform, when the verification platform performs the first verification in step S16, Only the receiving end data will be confirmed, but a second verification will be performed in step S22 to confirm whether the agreed result is a cooperative card issuing bank. If it is found that it is not the cooperative party’s issuing bank, it will reply with a failure message, please ask the user Change to the payment account of another bank.

In the present invention, the verification platform 14 acts as a bridge between the payment terminal 10 and the user. The payment terminal 10 only needs to generate a QR code according to the verification platform specifications, and then the verification platform verifies the correctness of the QR code and the payment application 124 agrees The process of credit card or bill payment account number, batch delivery of agreed result files to the accounting agency, etc., does not require the participation of the institution 10 until the final acceptance of the agreed result for system processing and notification to the user.

Figure 3 is a block diagram of another embodiment of the system for agreed payment by QR code of the present invention, which further includes at least one accounting agent bank 16, which is in a cooperative relationship with the receiving terminal 10, and the receiving terminal 10 Entrusted to process the collection and accounting operations. This accounting agent bank 16 signals the verification platform 14 and the issuing bank 18. After the verification platform 14 transmits the user's agreement result to the receiving terminal 10, the verification platform 14 will wait for a period of time. The agreement result is sent to the account agent bank 16 in batches, so that the account agent bank 16 requests deductions from the card issuing bank 18 selected by the user in batches, as shown in step S26 in FIG. 2. The reason for batch transmission is to prevent the account agent bank 16 from debiting without confirming the payment information, which may cause credit card or payment account errors, repeated deductions, or other situations. The account agent bank 16 needs to check the agreed account or The correctness of the agreed credit card.

In summary, the system and method for agreed payment using QR code provided by the present invention allows users to use specific payment applications, such as online banking applications of specific card issuing banks or specific mobile payment providers. The mobile payment application directly scans the QR code, and this QR code is customized for the user at the receiving end. It has a unique code for the agreed deduction. After the payment application parses the payment information in the QR code, it can be The agreed operation of payment is completed in real-time online, so that the payment agreement that was originally time-consuming and labor-intensive, must be applied at the counter, and time-consuming waiting for inspection can be immediately effective through the present invention. For the user, the agreed operation is only You need to take a photo (i.e. capture the QR code) and make an appointment (i.e. set up a credit card or billing account for automatic deduction), you can quickly and conveniently complete the agreement, and you can immediately know the result of the agreement, easy to operate and can improve the overall agreement deduction The efficiency of fund operations.

Only the above are only preferred embodiments of the present invention and are not used to limit the scope of implementation of the present invention. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit of the application scope of the present invention should be included in the patent application scope of the present invention.

10: Receiving terminal 12: mobile device 122: Image capture device 124: Payment App 14: Verification platform 16:Accounting agent bank 18: Issuing bank

Figure 1 is a block diagram of the system for agreed payment using QR code according to the present invention. Figure 2 is a flow chart of the method for agreed payment using QR code according to the present invention. Figure 3 is a block diagram of another embodiment of the system for agreed payment by QR code according to the present invention.

Claims (20)

A system for agreed payment by QR code, including: At least one receiving terminal generates a unique QR code for each user, and the QR code contains plural payment information; A mobile device installed with a payment application. After the user selects a card-issuing bank, a credit card or a payment account in the payment application, the QR code is scanned and the payment information is parsed; and A verification platform, which signals the mobile device and the receiving terminal, receives and verifies whether the payment information parsed by the mobile device is correct, the verification platform replies a verification result to the payment application in the mobile device, if If the verification result is correct, the payment application and the payment account will perform an agreed operation. For the system for agreed payment by QR code as described in claim 1, the payment application can be an online banking application belonging to the issuing bank or a mobile payment application cooperating with the issuing bank. For example, the system for agreeing to pay by QR code as described in claim 1, wherein the verification platform is a cooperative relationship with the issuing bank and the receiving terminal to verify whether the name of the receiving terminal included in the payment information is It is the receiving terminal that has a cooperative relationship, and verifies whether the payment application used by the mobile device conforms to the issuing bank with the cooperative relationship. For the system for agreed payment by QR code as described in claim 1, the payment information includes the name of the receiving terminal, the receiving terminal code, the security code, the unique code for agreed deduction, etc. As described in claim 1, the QR code is used for the agreed payment system, in which the payment terminal can be a water company, an electric power company, a gas company, a hospital, a school, etc. For the system of agreed payment by QR code as described in claim 4, the unique code for the agreed deduction can be water number, electricity number, gas number, etc. For the system for agreeing to pay by QR code as described in claim 1, wherein after the receiving terminal receives the agreed result notified by the verification platform, it performs related system processing and informs the user of the agreed operation of the agreed result. For example, the system for agreeing payment by QR code as described in claim 1, further includes at least one accounting agent bank, which is a cooperative relationship with the receiving terminal, and the signal is connected to the verification platform and the issuing bank, and the verification platform will The agreed result is sent to the accounting agent bank in batches, so that the accounting agent bank can request deductions from the card issuing bank in batches. For example, the system for agreeing to pay by QR code as described in claim 8, wherein after the mobile device replies an agreed result to the verification platform, the verification platform then notifies the receiving terminal and the accounting agent bank of the agreed result . The system for agreed payment by QR code as described in claim 1, wherein the QR code is displayed on the Internet or on a paper bill. A method of agreed payment by QR code, including the following steps: At least one receiving terminal generates a unique QR code for each user; Use a mobile device to log in to a payment application, select a credit card or payment account of a card-issuing bank, scan the QR code and parse the multiple payment information contained in the QR code, and send it to a verification platform; and The verification platform verifies the payment information and replies a verification result to the mobile device. If the verification result is correct, the payment application program performs an agreement operation with the credit card or payment account. For the method of agreed payment by QR code as described in claim 11, the payment application can be an online banking application of the issuing bank or a mobile payment application cooperating with the issuing bank. For example, the method of agreeing to pay by QR code as described in claim 11, wherein the verification platform is a cooperative relationship with the issuing bank and the receiving terminal to verify whether the name of the receiving terminal included in the payment information is It is the receiving terminal that has a cooperative relationship, and verifies whether the payment application used by the mobile device conforms to the issuing bank with the cooperative relationship. For the method of agreed payment by QR code as described in claim 11, the payment information includes the name of the receiving terminal, the receiving terminal code, the security code, and the unique code for the agreed deduction. For the method of agreed payment by QR code as described in claim 11, the payment terminal can be a water company, an electric power company, a gas company, a hospital, a school, etc. For example, in the system of agreed payment by QR code as described in claim 14, the unique code for the agreed deduction can be water number, electricity number, gas number, etc. As described in claim 11, the method of agreeing to pay by QR code also includes that after the receiving end receives the agreed result notified by the verification platform, it performs related system processing and informs the user of the agreed operation of the agreed result . As described in claim 11, the method of agreeing to pay by QR code further includes that the verification platform transmits the agreed result to at least one accounting agent bank in batches, so that the accounting agent bank can send the payment to at least one accounting agent bank in batches. The card issuing bank requires deduction, the account agent bank is a cooperative relationship with the receiving terminal, and the signal connects the verification platform and the card issuing bank. For example, the method for agreeing to pay by QR code as described in claim 18, further includes that the mobile device returns an agreed result to the verification platform, so that the verification platform can notify the receiving terminal and the accounting agent of the agreed result bank. As described in claim 11, the QR code is used for the agreed payment method, wherein the QR code is displayed on the Internet or on a paper bill.

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