TW202238474A - Payment system with discount payment method recommendation and recommended payment method thereof - Google Patents

Abstract

Disclosed are a payment system with a discount payment method recommendation and a recommended payment method of the payment system. The system includes at least one mobile communication device, a commerce platform cashier management device, and a payment platform management server. After the mobile communication device inputs payment information to the commerce platform cashier management device, the payment platform management server preforms a discount computation and feeds back the computed result to the mobile communication device and provides the best discount payment recommendation to effectively integrate several payment functions and discount information and provide payers more choices and payment convenience, so as to achieve high resource integration and diversified applications.

Description

Payment system with suggested payment method and its proposed payment method

The present invention relates to a payment system with preferential payment method suggestion and its suggested payment method, especially to the technical field of a device system for providing preferential information and suggestions at the user end.

With the rapid development of e-commerce in recent years, mobile payment has become an indispensable part of daily life or business transactions. Therefore, in order to meet the needs of the market, stores must establish various payment channels to meet the needs of the changing market environment; According to the currently known payment system, it includes at least one payment platform device and several point-of-sale devices. The point-of-sale device is equipped with a QR CODE display module and an information transmission module. By scanning the QR code on the point-of-sale device, the consumer After the payment is made by the QR CODE display module, the payment information is transmitted to the payment platform device through the information transmission module, and the payment platform device generates payment information relative to the payment information and sends it back to the consumer to notify the consumer to complete the payment action. It has the effect of simplifying the payment operation, but it corresponds to the diversity of the current consumption environment. Therefore, merchants on the sales side must sign contracts with different third-party payments before they can make payments, and signing contracts with different third-party payments will result in software or hardware differences. The lease fee increases the cost of use at the sales end and causes inconvenience in payment and use, so it is necessary to improve.

In view of the problems of high usage cost and insufficient general convenience of conventional payment devices and payment methods, the present invention completes the payment system with suggested payment methods and suggested payment methods of the present invention.

The main purpose of the present invention is to provide a payment system with suggested preferential payment methods and its proposed payment method. The payment system with suggested preferential payment methods includes: at least one mobile communication device, a merchant platform cashier payment management device and a payment Platform management server device, the mobile communication device is a smart phone, the mobile communication device is equipped with a mobile payment module, a location information detection module and a payment discount notification module, the mobile payment module is set There is a payment method access unit and an information import and payment scanning unit; the merchant platform cashier payment management device is a point-of-sale information system, and the merchant platform cashier payment management device is provided with an information guide unit, and the information guide The unit is equipped with an integrated payment barcode, and its information guidance unit is used for the information import of the mobile payment module of the mobile communication device and the payment scanning unit for reading and linking; the payment platform management server device is a database computer, the The payment platform management server device is provided with an information integration receiving and transmitting module, at least one preferential feedback message storage database module and an information integrating computing module, and the information integrating receiving and transmitting module is provided with a location information judging unit, a payment Type discrimination unit and a preferential information return unit, the preferential feedback information storage database module is provided with a merchant platform preferential information storage unit and a payment platform preferential information storage unit, the aforementioned information integration receiving module and preferential feedback information storage data The library module is connected with the information integration computing module, and its information integration receiving module is connected with the mobile communication device and the cashier payment management device of the merchant platform in a wireless or wired manner to perform information import calculation and feedback of discount and payment information, while the location information The judging unit receives the location information sent by the location information detection module of the mobile communication device for judgment.

Another object of the present invention is to provide a suggested payment method with preferential payment method suggestions. The suggested payment method is performed by the mobile communication device, the merchant platform cashier payment management device and the payment platform management server device. The following steps: offer and payment suggestion Importing steps: the information importing and payment scanning unit of the mobile communication device, the payment information is imported in the information guidance unit of the cashier payment management device on the merchant platform, and the imported information is transmitted to the payment platform management server device; offers and payment suggestions Calculation steps: import the information of the payment platform management server device, and after being judged by the location information judging unit and the payment type judging unit of the information integration receiving and transmitting module, import the judging information into the information integration computing module, and store the preferential feedback information in the database The merchant platform preferential information storage unit of the module and the payment platform preferential information storage unit import the preferential information to the information integration calculation module for integrated calculation; the preferential and payment suggestion feedback steps: the information after the integrated operation is sent back for payment through the preferential message return unit The discount notification module, the payment discount notification module displays the merchant platform and payment platform discount information, and at the same time, the mobile payment module generates the most favorable payment method suggestion after calculation; for the user to choose the mobile payment module.

In a preferred embodiment, the payment method access unit stores mobile payment methods such as GOOGLE PAY, APPLE PAY, Alipay, WeChat payment, LINE PAY, Pi wallet, Jiekou payment, Taiwan PAY or Youyoupay, to provide the user Various payment methods.

In a preferred embodiment, the number of physical credit cards of the payer is further matched, and the mobile communication device is further provided with a credit card information storage module, and the credit card information storage module stores multiple sets of physical credit card information of the payer, and the merchant platform The cash register payment management device is further provided with a credit card swiping unit, and the credit card swiping unit is used for consumers to swipe their cards to pay, and the preferential feedback information storage database module of the payment platform management server device is further provided with a credit card preferential information storage unit, which pays The user holds a physical credit card to import payment information into the information guidance unit of the cash register payment management device on the merchant platform, and the imported information is transmitted to the payment platform management server device, and the position information judgment unit and payment type judgment of the receiving transmission module are received through information integration After the unit is identified, the identification information is imported into the information integration calculation module, and at the same time, the credit card discount information storage unit of the discount feedback information storage database module imports the discount information to the information integration calculation module for integrated calculation. The return unit returns the payment preferential notice module, and the payment preferential notification module displays the credit card preferential information for the user to choose to pay with the most favorable credit card among the multiple payer entity credit cards stored in the credit card information storage module.

After the payment information is imported into the cash register and payment management device on the merchant platform through the mobile communication device, the payment platform management server device performs payment discount calculation, and the calculated result is fed back to the mobile communication device, and can be brought out on the mobile communication device The most favorable payment suggestion effectively integrates multiple payment functions and preferential information, providing payers with more choices and payment convenience, so as to achieve high resource integration and use diversity.

In order to enable your examiners to further understand the structure, features and other purposes of the present invention, the following preferred embodiments are described in detail with accompanying drawings, but the embodiments described in this illustration are for illustration purposes only. It is not the only restriction on the patent application.

Please refer to Figures 1 and 2, which are reference diagrams of the overall device composition state and the payment method access unit composition state of the payment system with preferential payment method suggestions in the present invention, which include:

At least one mobile communication device 10, the mobile communication device 10 is a smart phone, the mobile communication device 10 is provided with a mobile payment module 11, a location information detection module 13 and a payment discount notification module 14, so The mobile payment module 11 is provided with a payment method access unit 110 and an information import and payment scanning unit 111. The payment method access unit 110 stores GOOGLE PAY, APPLE PAY, Alipay, WeChat payment, LINE PAY, Pi wallet , Jiekou Pay, Taiwan PAY or EasyPay and other mobile payment methods;

A merchant platform cashier payment management device 20, the merchant platform cashier payment management device 20 is a point-of-sale information system (POS machine), this merchant platform cashier payment management device 20 is provided with an information guidance unit 21, and the information guide The unit 21 is equipped with an integrated payment barcode, and its information guidance unit 21 is used for the information introduction set by the mobile payment module 11 of the mobile communication device 10 and the payment scanning unit 111 to read and link; and

A payment platform management server device 30, the payment platform management server device 30 is a database computer, the payment platform management server device 30 is provided with an information integration receiving transmission module 31, at least one preferential feedback message storage database module 32 and an information integration computing module 33, the information integration receiving and transmitting module 31 is provided with a position information judging unit 310, a payment type judging unit 311 and a preferential message return unit 312, and the preferential feedback message is stored The database module 32 is provided with a merchant platform preferential information storage unit 321 and a payment platform preferential information storage unit 322, the aforementioned information integration receiving module 31 and preferential feedback information storage database module 32 are connected with the information integration computing module 33, Its information integration receiving module 31 is connected with the mobile communication device 10 and the merchant platform cash register and payment management device 20 in a wireless or wired manner to perform information import calculation and feedback of discount and payment information, and the location information discrimination unit 310 receives the mobile communication device 10 The location information of the location information detection module 13 is judged.

Please refer to Figures 1 and 2, which are reference diagrams of the overall device composition state and payment method access unit composition state of the payment system with preferential payment method suggestions in the present invention. The device 20 and the payment platform management server device 30 are connected and cooperated with each other. After the payment information imported by the merchant platform cash register and payment management device 20, the mobile communication device 10 will perform payment discount calculation by the payment platform management server device 30, and will The result after calculation is fed back to the mobile communication device 10, and the most favorable payment suggestion can be brought out on the mobile communication device 10, effectively integrating multiple payment functions and preferential information, providing payers with more choices and payment convenience, so as to achieve High resource integration and use diversity.

Please refer to FIG. 3 , which is a schematic diagram of the operation flow of the payment system and its payment method with preferential payment method suggestions in the present invention. The suggested payment method is managed by a mobile communication device 10, a merchant platform cashier payment management device 20 and a payment platform. The server device 30 performs the following steps: promotion and payment suggestion importing step 100: the information importing and payment scanning unit 111 of its mobile communication device 10, and the information guiding unit 21 of the merchant platform cashier payment management device 20 conducts payment information importing, And the imported information is transmitted to the payment platform management server device 30; the preferential and payment suggestion calculation step 200: import the information of the payment platform management server device 30, and receive the position information judgment unit 310 and payment type of the transmission module 31 through information integration After the judgment unit 311 judges, the judgment information is imported into the information integration operation module 33, and the merchant platform discount information storage unit 321 and the payment platform discount information storage unit 322 of the discount feedback information storage database module 32 import the discount information into the information integration calculation Module 33 conducts integrated calculations; offers and payment suggestions feedback Step 300: The information after the integrated calculations is sent back to the payment offer notification module 14 through the offer message return unit 312, and the payment offer notification module 14 displays the merchant platform and payment platform offers Information, and at the same time, the mobile payment module 11 generates the most favorable payment method suggestion after calculation; for the user to choose the mobile payment module 11.

With the cooperation of the above-mentioned devices, the payment system with suggested payment methods and suggested payment methods of the present invention can be completed.

Please refer to Figures 4 and 5, which are reference diagrams for the embodiment of the payment system with preferential payment method suggestions of the present invention and the overall device composition and operation process of the physical credit card. The overall composition is the same as that of Figures 1 to 3 of the present invention, except that It further cooperates with the physical credit card of the payer, and the mobile communication device 10 is further provided with a credit card information storage module 12, and the credit card information storage module 12 stores multiple groups of physical credit card information of the payer, and the merchant platform cashier payment management device 20 is further provided with a credit card swiping unit 22, the credit card swiping unit 22 is used for consumers to swipe their cards to pay, and the preferential feedback information storage database module 32 of the payment platform management server device 30 is further provided with a credit card preferential information storage unit 320, It cooperates with the physical credit card to perform the following steps: credit card benefits and payment suggestion import step 100A: the payer uses the physical credit card to import payment information in the information guidance unit of the cashier payment management device on the merchant platform, and the imported information is transmitted to the payment platform management server Calculation Step 100B: Import the information of the payment platform management server device, and after being judged by the location information judging unit and the payment type judging unit of the information integration receiving and transmitting module, import the judging information into the information integration computing module At the same time, the credit card discount information storage unit of the discount feedback information storage database module imports the discount information to the information integration calculation module for integrated calculation; credit card discount and payment suggestion feedback step 100C: the information after the integration operation is sent back through the discount message unit Return the payment discount notification module, and the payment discount notification module will display the credit card discount information for the user to choose to pay with the most favorable credit card among the multiple sets of payer entity credit cards stored in the credit card information storage module; to increase this creation So much practicality.

In summary, the present invention can indeed achieve the above-mentioned functions and purposes, so the present invention should meet the patent application requirements, and the application should be filed according to law.

10:Mobile communication device 11:Mobile payment module 110: payment method access unit 111:Information import and payment scanning unit 12: Credit card information storage module 13: Location information detection module 14: Payment discount notification module 20: Merchant platform cashier payment management device 21:Information guidance unit 22: Credit card swiping unit 30: Payment platform management server device 31:Information integration receiving and transmitting module 310: position information identification unit 311: payment type discrimination unit 312: Preferential message return unit 32: Preferential feedback information storage database module 320: credit card preferential information storage unit 321: Merchant platform preferential information storage unit 322: Payment platform preferential information storage unit 33:Information integration computing module 100: Promotion and payment suggestion import steps 200: Calculation steps for discounts and payment suggestions 300: Feedback steps for discounts and payment suggestions 100A: Credit Card Offers and Payment Suggestions Import Steps 200B: Calculation steps for credit card discounts and payment suggestions 300C: credit card offers and payment suggestion feedback steps

[Figure 1] is a schematic diagram of the overall device composition state of the payment system with preferential payment method suggestions in the present invention. [Fig. 2] is a reference diagram of the composition state of the payment method access unit of the payment system with preferential payment method suggestions in the present invention. [Fig. 3] It is a schematic diagram of the operation flow of the payment system and suggested payment method with preferential payment method suggestion in the present invention. [Fig. 4] It is a reference diagram of the composition state of the embodiment of the payment system with preferential payment method suggestions in conjunction with the physical credit card overall device of the present invention. [Fig. 5] It is a schematic diagram of the operation process of the embodiment of the payment system and the suggested payment method with the suggestion of preferential payment method in conjunction with the entity credit card.

10:Mobile communication device

11:Mobile payment module

110: payment method access unit

111:Information import and payment scanning unit

13: Location information detection module

14: Payment discount notification module

20: Merchant platform cashier payment management device

21:Information guidance unit

30: Payment platform management server device

31:Information integration receiving and transmitting module

310: position information identification unit

311: payment type discrimination unit

312: Preferential message return unit

32: Preferential feedback information storage database module

321: Merchant platform preferential information storage unit

322: Payment platform preferential information storage unit

33:Information integration computing module

Claims (6)

A payment system with preferential payment method suggestions, which includes: At least one mobile communication device, the mobile communication device is a smart phone, the mobile communication device is equipped with a mobile payment module, a location information detection module and a payment preferential notification module, the mobile payment module is set A payment method access unit and an information import and payment scanning unit; A merchant platform cash register payment management device, the merchant platform cash register payment management device is provided with an information guide unit, and the information guide unit is provided with an integrated payment barcode, and the information guide unit is provided by the mobile payment module of the mobile communication device Information import and payment scanning unit for reading link; and A payment platform management server device. The payment platform management server device is a database computer. The payment platform management server device is equipped with an information integration receiving and transmitting module, at least one preferential feedback message storage database module and a An information integration operation module, the information integration receiving and sending module is provided with a position information identification unit, a payment type identification unit and a preferential information return unit, and the preferential feedback information storage database module is provided with a merchant platform preferential information A storage unit and a payment platform preferential information storage unit, the aforementioned information integration receiving module and preferential feedback message storage database module are connected with the information integration computing module, and the information integration receiving module is connected to the mobile communication device in a wireless or wired manner It is connected with the cashier payment management device on the merchant platform to perform information import calculation and feedback of discount and payment information, and the location information judging unit receives the location information of the location information detection module of the mobile communication device for judgment. The payment system with preferential payment method suggestions as described in Claim 1, wherein the merchant platform cashier payment management device is a point-of-sale information system POS machine. The payment system with preferential payment method suggestions as described in claim 1, wherein the payment method access unit stores GOOGLE PAY, APPLE PAY, Alipay, WeChat payment, LINE PAY, Pi wallet, Jiekou payment, Taiwan PAY or EasyPay and other mobile payment methods. The payment system with preferential payment method suggestion as described in claim item 1, wherein, the physical credit card of the payer is further matched, and the mobile communication device is further provided with a credit card information storage module, and the credit card information storage module stores how many Set up the physical credit card information of the payer, and the merchant platform cashier payment management device is further provided with a credit card swiping unit, the credit card swiping unit is used for consumers to pay by swiping the card, and the preferential feedback information storage database module of the payment platform management server device further There is a credit card discount information storage unit, and its information guidance unit is used for the physical credit card to import information through the credit card swiping unit to read the information, and the information integration receiving module is connected to the cashier payment management device on the merchant platform in a wireless or wired manner. Carry out information import calculation and feedback of credit card discount and payment information. A payment method with preferential payment method suggestions, the suggested payment method is to apply the mobile communication device of claim 1, the merchant platform cashier payment management device and the payment platform management server device to perform the following steps: Preferential and payment suggestion importing steps: the information importing and payment scanning unit of the mobile communication device, the information guidance unit of the cashier payment management device on the merchant platform imports payment information, and the imported information is transmitted to the payment platform management server device; Preferential and payment suggestion calculation steps: import the information of the payment platform management server device, and the location information judging unit receives the location information of the location information detection module for judgment, and receives the location information judging unit and payment type of the transmission module through information integration After the identification unit is identified, the identification information is imported into the information integration calculation module, and at the same time, the merchant platform discount information storage unit and the payment platform discount information storage unit of the discount feedback information storage database module import the discount information to the information integration calculation module for integrated calculation ; Promotion and payment suggestion feedback steps: The integrated and calculated information is sent back to the payment promotion notification module through the promotion information return unit, and the payment promotion notification module displays the promotion information of the merchant platform and the payment platform, and at the same time generates calculations in the mobile payment module Finally, the most favorable payment method suggestion. The payment method with preferential payment method suggestion as described in claim item 5, wherein, the physical credit card of the payer is further matched, and the mobile communication device is further provided with a credit card information storage module, and the credit card information storage module stores how many Set the payer entity credit card information, and the merchant platform cashier payment management device is further equipped with a credit card swiping unit, which performs the following steps: Preferential and payment suggestion import steps: the payer uses a physical credit card to import payment information in the information guidance unit of the cashier payment management device on the merchant platform, and the imported information is transmitted to the payment platform management server device; Preferential and payment suggestion calculation steps: Import the information of the payment platform management server device, and the location information judging unit receives the location information of the location information detection module for judgment, and receives the location information judging unit and payment type of the transmission module through information integration After the judgment unit makes the judgment, it imports the judgment information into the information integration computing module, and at the same time, the credit card discount information storage unit of the discount feedback information storage database module imports the discount information to the information integration computing module for integrated computing; Feedback steps for discounts and payment suggestions: The information after integration and calculation is sent back to the payment discount notification module through the discount message return unit, and the payment discount notification module displays credit card discount information for users to choose to store in the credit card information storage module Pay with the most favorable credit card among multiple groups of payer entity credit cards.

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