TW202407612A - Group buying payment management method and system capable of ensuring that the group buying can be launched smoothly - Google Patents

Abstract

A group buying payment management method includes the following steps: an initiator end electronic device providing a group buying list to an online banking server, in which the group buying list includes a total payable amount of a buyer of a group buying item, a preset payment period and a payment collecting account number; the initiator end electronic device further transmitting a payment notice to a buyer end electronic device of the buyer, so that the buyer makes payment according to the payment notice, and the online banking server will receive at least one payment information related to the payment collecting account, in which the at least one payment information includes a payment account and a payment amount; and when the preset payment period expires, the online banking server determining that one of the buyers has not yet paid based on the total payable amount of the buyer in the group buying list and the at least one payment information, and sending an unfinished buyer payment notification to the initiator end electronic device.

Description

Group purchase payment management method and system

The present invention relates to a group purchase method, in particular to a group purchase payment management method.

The current group buying tools are mainly used to record group buying items, billing methods and payment information. However, when one of the purchasers of a group buying joint venture forgets to pay within the payment period, the group buying cannot be started smoothly. Therefore, it is necessary to develop a group purchase payment management method to assist the group purchase owner to automatically notify or remind the purchaser of the group purchase joint venture to complete the payment within the payment period to ensure that the group purchase can be launched smoothly.

Therefore, the purpose of the present invention is to provide a group purchase payment management method and a group purchase payment management system that implements the method.

Therefore, a group purchase payment management system of the present invention can communicate with multiple purchaser electronic devices corresponding to multiple purchasers through the network, and includes a group purchaser's group owner electronic device and a network that can communicate through the network. The online bank server implements a group purchase payment management method of the present invention by managing the payment status of the purchaser; wherein, the group main electronic device provides a group purchase list to the online bank server, and the group purchase list includes a group purchase item The total amount payable by a buyer, a preset payment period and a payment account corresponding to the group purchase item; and the group main electronic device sends a payment notification to the purchasing electronic device of each buyer, so that each The purchaser made payment according to the payment notice. The payment notice included the name of the group purchaser, the group purchase item, an amount payable, the payment account number and the default payment period, and the online banking server will complete the payment on at least one purchase date. After a person makes a payment, he or she receives at least one payment information related to the payment account, and the at least one payment information includes a payment account and a payment amount; when the default payment period expires, the online banking server Based on the total amount payable by the purchaser and the at least one payment information in the group purchase list, when it is determined that one of the purchasers has not yet paid, a purchaser's uncompleted payment notification is sent to the group host electronic device.

In some implementations of the present invention, the group's main electronic device executes an application installed therein, and the application automatically obtains and displays an address book stored in the group's main electronic device for use. The group purchaser selects the purchasers, and the application automatically obtains a personal information and a communication information of each selected purchaser from the address book, and will include the personal information and the payable amount of each purchaser. The purchase information of the amount is included in the group purchase list; and the application of the group main electronic device sends the payment notification to the purchasing electronic device of each purchaser based on the communication information of each purchaser.

In some implementations of the present invention, the application program also automatically obtains at least one bank account number of each purchaser from a third-party service provider server based on the personal information of each selected purchaser, and sends the The at least one bank account number and the communication information of each purchaser are included in the purchase information of each purchaser in the group purchase list, and then the group purchase list is provided to the online banking server; and the online banking server According to the at least one bank account number in the purchase information of each purchaser in the group purchase list and the payment account included in the at least one payment information related to the collection account, the check found that some of the purchasers have not yet When making payment, the online banking server also sends a reminder payment notification to the purchasing-end electronic device of the buyer who has not yet paid based on the communication data of the buyer who has not yet paid, and the online banking server sends a payment reminder to the purchaser's electronic device. The purchaser's uncompleted payment notice on the group owner's electronic device also includes a list of purchasers who have not yet paid.

In some implementations of the present invention, the group main electronic device is connected to the online banking server by logging into a website provided by the online banking server, and inputting the group purchase item on the website, The total amount payable by the purchaser of the group purchase item, the preset payment period and the payment account corresponding to the group purchase item are used to generate the group purchase list and provide the group purchase list to the online banking server; and the group owner The terminal electronic device sends the payment notification to the purchasing terminal electronic device of each buyer based on the input communication data of each buyer.

In some embodiments of the present invention, the above-mentioned main electronic device of the group also automatically obtains at least one bank account number of each purchaser from a third-party service provider server based on the personal information of each purchaser. and include the personal information, the amount payable, the at least one bank account number and the communication information of each purchaser in the purchase information of each purchaser in the group purchase list, and then provide the group purchase list to the online bank server; and the online banking server checks the payment account based on the at least one bank account in the purchase information of each purchaser in the group purchase list and the at least one payment information related to the payment account. When it is found that one of the purchasers has not yet paid, the online banking server also sends a reminder payment notification to the purchaser's electronic device of the purchaser who has not yet paid based on the communication data of the purchaser who has not yet paid, And the purchaser's uncompleted payment notification sent by the online banking server to the group's main electronic device also includes a list of purchasers who have not yet paid.

In some implementations of the present invention, when the online banking server determines that all purchasers have paid within the preset payment period, it sends a purchaser completed payment notification to the group's main electronic device.

In some embodiments of the present invention, the group main electronic device can also send a group purchase cancellation notice related to the group purchase item to the online banking server and the purchasing end electronic devices, and the online banking server After receiving the group purchase cancellation notice, the server returns the payment amount to the payment account based on the payment account and the payment amount included in the at least one payment information.

The effect of the present invention is to provide the group purchase list to the online banking server through the group owner electronic device, so that the online banking server can make the total amount payable to the buyer and the at least one payment based on the group purchase list. information, that is, it can determine whether any of the purchasers has not paid within the preset period, and timely send the purchaser's uncompleted payment notice to the group owner's electronic device to assist the group purchase owner in reminding the purchasers of the group purchase joint venture that The payment is completed within the payment period; and the online banking server can further check the payment account based on the at least one bank account of each purchaser in the group purchase list and the at least one payment information related to the collection account. When it is discovered that one of the purchasers has not paid within the preset period, a payment reminder notification is promptly sent to the purchase-end electronic device of the purchaser who has not yet paid, so as to remind the purchaser who has not yet paid to pay as soon as possible. Assist group buying owners to successfully start a group before the group buying period expires.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are designated with the same numbering.

Referring to Figure 1, it is an embodiment of the group purchase payment management system of the present invention, which can communicate with multiple purchaser electronic devices 1 corresponding to multiple purchasers through a network (such as the Internet) (Figure 1 shows purchaser A The purchasing-end electronic device A owned by buyer B communicates with the purchasing-end electronic device B owned by buyer B to manage the payment status of the buyer. The group purchase payment management system 100 of this embodiment mainly includes a The online banking server 2 and a group owner electronic device 3 belonging to a group purchaser (group purchaser) can communicate with the online banking server 2 through a network (such as the Internet) to perform the following: The group purchase payment management process shown in Figure 2.

First, before proceeding with the group purchase payment management process shown in Figure 2, the group purchaser sets up a group purchase project that requires fundraising, such as group purchase of a certain commodity or certain commodities, group purchase of a certain travel itinerary, subscription to a certain or certain entities or websites. Information media, etc., and after inviting a sufficient number of buyers (or joint venturers, such as the above-mentioned buyer A and buyer B), these buyers (buyer A and buyer B) are required to pay in advance , after the group buying owner collects the full amount, the group buying owner will pay the operator that provides the group buying item within the group buying period.

Therefore, in order to receive the payment due from all purchasers (such as purchaser A and purchaser B) within the group purchase period, if the group purchase terminal electronic device 3 used by the group purchase owner is a smart phone, the group purchase owner can order the group purchase terminal The electronic device 3 executes an application program (mobile APP) pre-installed in it, causing it to execute step S1 shown in Figure 2, and provides a group purchase list to the online banking server 2. The group purchase list includes the above-mentioned group purchase items. The total amount payable by a buyer, a preset payment term and a collection account corresponding to the group purchase item, where the preset payment term can be but is not limited to, for example, the first 2 days or the first 3 days of the group purchase term mentioned above Etc., the collection account is provided by the financial operator and the online banking server 2 can query the fund out/in (remittance) record of the collection account.

Specifically, the application will automatically obtain and display an address book stored in the group's main electronic device 3, such as but not limited to a phone address book, a chat address book of instant messaging software (such as Line), Email address book, etc., for the group purchaser to select the purchasers to whom payment notifications are to be sent from the above-mentioned address book, and the application will automatically obtain the selected purchasers from the address book A personal information (such as a name) and a communication information (such as a phone number, an instant messaging account (such as a Line account) or an email address), and will include the personal information of each purchaser and a purchase information of an amount payable included in the group purchase list, and then the group purchase list is sent to the online banking server 2.

At the same time, as shown in step S2 of FIG. 2 , the application of the group main electronic device 3 uses the communication information of each purchaser (such as a phone number, an instant messaging account (such as a Line account), or an email address). For example, SMS, instant messaging (such as Line) or email sends a payment notification to the purchasing electronic device 1 of each purchaser, such as purchasing electronic device A and purchasing electronic device B in FIG. 2, wherein the payment notification Contains the name of the group purchase owner, the group purchase item, the amount payable, the payment account number and the preset payment period; thereby, purchaser A and purchaser B can perform a payment operation based on the payment notification received, and the The payment operation is, for example, through bank transfer, ATM transfer, online bank transfer, third-party payment... and other existing transfer services that can make payments to the payment account to complete the payment action.

Therefore, assuming that buyer A has completed the payment within the preset payment period according to the payment notice received, but buyer B has not paid as scheduled, then in step S3 of Figure 2, the online banking server 3 will A piece of payment information (from buyer A) related to the payment account is received within the preset payment period, and the payment information includes a payment account and a payment amount. Then, when the preset payment period expires, in step S4 of Figure 2, the online banking server 3 will determine whether the payment amount is still due based on the total amount payable by the buyer in the group purchase list and the received payment information. Someone did not pay within the default payment period. For example, within the default payment period, the online banking server 3 only received one payment information (from buyer A), and determined that the payment information contained the When the payment amount is less than the total amount payable by the buyer, it is determined that someone has not paid within the preset payment period, and step S5 shown in Figure 2 is executed to send a notice that the buyer has not completed the payment to the group's main electronic device. 3, the application on the electronic device 3 of the group owner will display or output in a prompt manner the purchaser's uncompleted payment notice for the group purchaser to read, in order to remind the group purchaser to inquire or track the purchaser who has not yet paid. This will assist the group buying owner in reminding the purchaser of the group buying joint venture to complete the payment within the payment deadline to ensure that the group buying can be started smoothly.

In addition, as shown in Figure 1, in a variation of this embodiment, the group host electronic device 3 can also communicate with a third-party service provider (Third-party Service Providers, TSP for short) through the Internet. A third-party service provider's server 4 is connected. Therefore, if the buyers (such as buyer A, buyer B) have used the services provided by the third-party service provider's server 4 (such as transfer, remittance, inquiry, etc.) personal account funds in various banks, etc.), and the account numbers of the purchasers (such as purchaser A, purchaser B) in each bank are left (recorded) in the third-party service provider server 4 and personal contact information (such as mobile phone number, email address, etc.), and the purchasers (purchaser A, purchaser B) agree to the third-party service provider server 4 to query and provide their accounts in various banks When the account is given to another party (such as a group purchaser) who has needs or is preset by the purchaser, in the above step S1, the application can also be based on the selected purchaser (purchaser A, purchaser B) The personal information (such as name) of the third-party service provider automatically requests at least one bank account number of each purchaser (purchaser A, purchaser B) from the third-party service provider server 4, and the at least one bank account number of each purchaser is A bank account number and the communication information are included in the purchase information of each purchaser (purchaser A, purchaser B) in the group purchase list, and then the group purchase list is provided to the online banking server 2.

Thereby, in step S4, the online banking server 4 can use the at least one bank account number and the payment method in the purchase information of each purchaser (purchaser A, purchaser B) in the group purchase list. The payment account included in the payment information related to the account is checked to see if the purchasers have paid, and when it is found that purchaser A has paid, but purchaser B has not paid within the default payment period, as shown in the figure In step S6 of 2, the online banking server 2 will also send a payment reminder notification to the purchasing-end electronic device B of the buyer B based on the communication data of the unpaid buyer B, so that the purchasing-end electronic device B displays The payment reminder notice reminds buyer B to pay as soon as possible. It is worth mentioning that the payment reminder notice can again include the content of the payment notice (namely, the group purchaser (name), the group purchase item, the amount payable, and the receipt account) and the group purchase period. Moreover, in step S5, the buyer's unfinished payment notification sent by the online banking server 2 to the group's main electronic device 3 also includes a list of buyers who have not yet paid, that is, buyer B. With this, the group buying owner does not need to check or track the unpaid buyers by themselves, and can remind the unpaid buyers to pay as soon as possible to ensure that the group buying can be started smoothly before the group buying period expires.

In addition, in step S4, when the online banking server 2 determines that it is no, that is, the total amount of the payment amount included in all the payment information received within the default payment period is equal to the total amount payable by the purchaser. When the amount is determined, it is determined that all purchasers have paid, and step S7 is executed to send a notice that the purchasers have completed payment to the group's main electronic device 3. In this way, when the group purchase owner sees that the purchaser has completed the payment notification, he can withdraw a total group purchase amount from the collection account to pay for the group purchase item and complete the group purchase payment operation. The total group purchase amount may be the sum of the payment amounts of the purchasers excluding the group purchaser (i.e., the total amount payable by the purchaser), or it may be the amount including the group purchaser ( That is, the total amount payable by the purchaser plus the payment amount payable by the group purchaser).

In addition, when the group main electronic device 3 is a personal computer, laptop or desktop computer that does not have the above-mentioned application installed, in the above step S1, the group main electronic device 3 can log in to the network. A website provided by the bank server 2, input the group purchase item, the total amount payable by the purchaser of the group purchase item, the default payment period and the payment account corresponding to the group purchase item to generate the group purchase list and provide The group purchase list is given to the online banking server 2; and in the above step S2, the group owner electronic device 3 can input the communication information (such as phone number, instant messaging information) of each purchaser according to the group purchase owner. Account (such as Line account) or email address), a payment notification is sent to the purchasing electronic device 1 of each purchaser through, for example, SMS, instant messaging (such as Line) or email. Thereby, the online banking server 2 can continue to execute the above-mentioned steps S3 to S5 and S7.

And in the above-mentioned implementation mode of the change, in step S1, the group main electronic device 3 can also based on the input personal information (such as name) of each purchaser (purchaser A, purchaser B), Automatically request the at least one bank account number of each purchaser (purchaser A, purchaser B) from the connected third-party service provider server 4, and provide the at least one bank account number and The communication information is included in the purchase information of each purchaser (Purchaser A, Purchaser B) in the group purchase list, and then the group purchase list is provided to the online banking server 2; thereby, the group owner electronically After the device 3 sends the payment notification to each of the purchasing electronic devices 1 in step S2, the online banking server 2 can continue to execute the above-mentioned steps S3 to S7.

Furthermore, when the group purchase owner cancels the group purchase item, the group purchase owner can send a group purchase cancellation notice related to the group purchase item to the online banking server 2 and each purchaser through the group owner electronic device 3. After each purchaser's electronic device 1 and the online banking server 2 receives the group purchase cancellation notice, the payment will be returned based on the payment account number and payment amount included in the payment information of each purchaser who has paid. The amount will be credited to the payment account.

To sum up, the above embodiment provides the group purchase list to the online banking server 2 through the group main electronic device 3, so that the online banking server 2 can calculate the total amount payable by the buyer based on the group purchase list. and the at least one payment information, when it is determined that one of the purchasers has not paid within the preset period, a notice of uncompleted payment of the purchaser is sent to the group owner electronic device 3 to assist the group purchaser in reminding the group purchase joint venture purchase The person completes the payment within the payment period; and the online banking server 2 can further make the payment based on the at least one bank account of each purchaser in the group purchase list and the at least one payment information related to the payment account. account, and if it is found that one of the buyers has not paid within the preset period, a reminder payment notification will be sent to the electronic purchase terminal of the buyer who has not yet paid based on the communication information of the buyer who has not yet paid. The device is used to remind the purchaser who has not yet paid to pay as soon as possible to ensure that the group purchase can be successfully opened before the expiration of the group purchase period, thereby truly achieving the effect and purpose of the present invention.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of this invention.

100:Group purchase payment management system 1: Purchase-side electronic device A, purchase-side electronic device B 2: Internet banking server 3: Group host electronic device 4: Third-party service provider server S1~S7: steps

Other features and effects of the present invention will be clearly shown in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram of the main hardware devices included in an embodiment of the group purchase payment management system of the present invention; and Figure 2 is a main flow chart of an embodiment of the group purchase payment management method of the present invention.

1: Purchase-side electronic device A, purchase-side electronic device B

2: Internet banking server

3: Group host electronic device

4: Third-party service provider server

S1~S7: steps

Claims (14)

A group purchase payment management method is applied between a group purchaser's group owner electronic device that can communicate through the Internet, an online banking server, and multiple purchaser electronic devices corresponding to multiple purchasers to manage purchases. The person's payment status; the method includes: (A) The group main electronic device provides a group purchase list to the online banking server. The group purchase list includes the total amount payable by a purchaser of a group purchase item, a preset payment period and a receipt corresponding to the group purchase item. payment account number; (B) The group owner electronic device sends a payment notice to the purchaser electronic device of each purchaser, allowing each purchaser to make payment according to the payment notice. The payment notice includes the name of the group purchaser, the group purchase item, An amount payable, the payment account and the default payment period, and the online banking server will receive at least one payment information related to the payment account after at least one purchaser makes the payment, and the at least one payment information Contains a payment account number and a payment amount; and (C) When the preset payment period expires, the online banking server determines that one of the purchasers has not paid based on the total amount payable by the purchaser in the group purchase list and the at least one payment information, Send a purchaser's unfinished payment notification to the group's main electronic device. The group purchase payment management method described in claim 1, wherein the group owner's electronic device executes an application installed therein, so that in step (A), the application automatically obtains and displays the information stored in the group owner's electronic device. An address book in the terminal electronic device for the group purchaser to select the purchasers, and the application automatically obtains a personal information and a communication information of each selected purchaser from the address book, and will include The personal information of each purchaser and the purchase information of the amount payable are included in the group purchase list; and in step (B), the application of the group host electronic device is based on the communication information of each purchaser. Send the payment notification to the purchasing electronic device of each purchaser. For the group purchase payment management method described in claim 2, in step (A), the application also automatically obtains each purchase from a third-party service provider server based on the personal information of each selected purchaser. At least one bank account of each person, including the at least one bank account and the communication information of each purchaser in the purchase information of each purchaser in the group purchase list, and then providing the group purchase list to the online banking server server; and in step (C), the online banking server includes the at least one bank account number and the at least one payment information related to the payment account in the purchase information of each purchaser in the group purchase list. When the payment account of the buyer is found to have not yet paid, the online banking server will also send a payment reminder notification to the buyer who has not yet paid based on the communication information of the buyer who has not yet paid. The buyer's electronic device, and the buyer's unfinished payment notification sent by the online banking server to the group's main electronic device also includes a list of buyers who have not yet paid. For the group purchase payment management method described in claim 1, in step (A), the group host electronic device is connected to the online banking server by logging into a website provided by the online banking server, And input the group purchase item, the total amount payable by the purchaser of the group purchase item, the preset payment period and the payment account number corresponding to the group purchase item on the website to generate the group purchase list and provide the group purchase list to the website bank server; and in step (B), the main electronic device of the group sends the payment notification to the purchasing electronic device of each purchaser based on the input communication information of each purchaser. For the group purchase payment management method described in claim 4, in step (A), the group host electronic device also automatically obtains each purchase from a third-party service provider server based on the personal information of each purchaser. At least one bank account of each person, and include the personal information, the amount payable, the at least one bank account and the communication information of each purchaser in the purchase information of each purchaser in the group purchase list, and then provide the The group purchase list is given to the online banking server; and in step (C), the online banking server uses the at least one bank account number and the payment account number in the purchase information of each purchaser in the group purchase list. When the payment account included in the at least one payment information is found to be unpaid by one of the buyers, the online banking server also sends a payment reminder notification based on the communication data of the unpaid buyer. to the purchaser's electronic device that has not yet paid, and the purchaser's uncompleted payment notification sent by the online banking server to the group's main electronic device also includes a list of buyers who have not yet paid. For the group purchase payment management method described in request item 1, in step (C), when the online banking server determines that all purchasers have paid within the default payment period, it sends a purchaser completed payment notification. Give the regiment the main electronic device. The group purchase payment management method described in any one of claims 1 to 6, wherein the group owner electronic device can also send a group purchase cancellation notice related to the group purchase item to the online banking server and the purchase terminals electronic device, and after receiving the group purchase cancellation notice, the online banking server returns the payment amount to the payment account based on the payment account and the payment amount included in the at least one payment information. A group purchase payment management system that can communicate with multiple purchaser electronic devices corresponding to multiple purchasers through the Internet to manage the payment status of these purchasers, and includes: an online banking server; and A group master electronic device belongs to a group purchaser and can communicate with the online banking server through the Internet; wherein The group main electronic device provides a group purchase list to the online banking server. The group purchase list includes a total amount payable by a purchaser of a group purchase item, a preset payment period, and a collection account corresponding to the group purchase item, and Send a payment notice to the purchase-end electronic device of each purchaser, so that each purchaser makes payment according to the payment notice. The payment notice includes the group purchaser, the group purchase item, a payable amount, the payment account number and the Default payment terms; The online banking server will receive at least one payment information related to the payment account after at least one purchaser makes a payment. The at least one payment information includes a payment account and a payment amount, and the online banking server When the preset payment period expires, based on the total amount payable by the purchaser in the group purchase list and the at least one payment information, if it is determined that one of the purchasers has yet to pay, a notice of unfinished payment of the purchaser is sent to The main electronic device of the group. The group purchase payment management system as described in request item 8, wherein the group main electronic device executes an application installed therein, and the application automatically obtains and displays a communication stored in the group main electronic device Directory for the group purchaser to select the purchasers, and the application automatically obtains a personal information and a communication information of each selected purchaser from the address book, and will include the personal information of each purchaser. The information and the purchase information of the amount payable are included in the group purchase list; and the application of the group main electronic device sends the payment notification to the purchasing electronic device of each purchaser based on the communication information of each purchaser. device. The group purchase payment management system as described in claim 9, wherein the application also automatically obtains at least one bank account of each purchaser from a third-party service provider server based on the personal information of each purchaser selected. account, and include the at least one bank account number and the communication information of each purchaser in the purchase information of each purchaser in the group purchase list, and then provide the group purchase list to the online banking server; and the network The bank server checks and finds the purchasers based on the at least one bank account in the purchase information of each purchaser in the group purchase list and the payment account included in the at least one payment information related to the collection account. When there is still one person who has not paid, the online banking server also sends a reminder payment notification to the purchasing electronic device of the buyer who has not yet paid based on the communication data of the buyer who has not yet paid, and the online banking server The purchaser's unfinished payment notification sent by the computer to the group's main electronic device also includes a list of purchasers who have not yet paid. The group purchase payment management system as described in request item 8, wherein the group owner electronic device is connected to the online banking server by logging into a website provided by the online banking server, and inputting information on the website The group purchase item, the total amount payable by the purchaser of the group purchase item, the preset payment term and the payment account corresponding to the group purchase item, to generate the group purchase list and provide the group purchase list to the online banking server; And the main electronic device of the group sends the payment notification to the purchasing electronic device of each purchaser based on the input communication data of each purchaser. The group purchase payment management system as described in claim 11, wherein the group host electronic device also automatically obtains at least one bank account of each purchaser from a third-party service provider server based on the personal information of each purchaser. account, and include the personal information, the amount payable, the at least one bank account number and the communication information of each purchaser in the purchase information of each purchaser in the group purchase list, and then provide the group purchase list to the website and the online banking server includes the payment account based on the at least one bank account in the purchase information of each purchaser in the group purchase list and the at least one payment information related to the payment account. When the verification finds that one of the purchasers has not yet paid, the online banking server will also send a payment reminder notification to the purchaser's electronic mailbox based on the communication data of the purchaser who has not yet paid. device, and the purchaser's uncompleted payment notification sent by the online banking server to the group's main electronic device also includes a list of purchasers who have not yet paid. The group purchase payment management system as described in request item 8, wherein when the online banking server determines that all purchasers have paid within the preset payment period, it sends a purchaser completed payment notification to the group owner. electronic devices. The group purchase payment management system as described in any one of request items 8 to 13, wherein the group owner electronic device can also send a group purchase cancellation notice related to the group purchase item to the online banking server and the purchase terminals. electronic device, and after receiving the group purchase cancellation notice, the online banking server returns the payment amount to the payment account based on the payment account and the payment amount included in the at least one payment information.

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