TWI537852B - Consumption payment method and computer program product performing the same - Google Patents

Description

Consumer payment method and computer program product for performing the method

The present invention relates to a consumer payment method for providing a user with a payment action using an electronic device.

With the rapid development of science and technology, human beings have officially entered the era of e-commerce. In the past, the actual transactions of physical currencies have gradually been replaced by new payment mechanisms such as credit cards and stored value cards. Taking credit cards as an example, they can enjoy the consumption of credit cards. Post-consumer payments, with bonus points or cash back, etc., have become the first choice for consumer payment methods other than cash payments.

However, whether it is a credit card or a stored-value card transaction, the card must be carried with you. The risk of being stolen and stolen is easy to take in and out. Therefore, if the payment can be completed through the mobile phone that consumers often need to carry with them, it can be saved. The trouble of carrying cards and the strict design of the verification mechanism can greatly reduce the risk of theft.

The primary object of the present invention is to provide a consumer payment method that allows a user to use a electronic device for payment operations.

Another primary object of the present invention is to provide a computer program product that can perform the above method.

To achieve the above objective, the consumer payment method of the present invention is for providing a user with a payment action by using an electronic device, wherein the electronic device is connected to the consumer deduction system via a network, and the deduction system is Business computer connection. The consumer payment method of the present invention includes the following steps: displaying the authentication code and the transaction code through the screen of the electronic device, so that the merchant computer scans and uploads to the consumer deduction system, and the deduction action is performed after the consumer deduction system verifies, wherein the authentication is performed. The code is used to identify the identity of the user, the transaction code is a one-time valid transaction voucher; and the transaction code displayed is deleted.

The present invention further provides a computer program product for executing a consumer payment method; after the processor of the electronic device loads and executes the computer program product, the consumer payment method of the present invention can be completed.

In order to enable the reviewing committee to better understand the technical contents of the present invention, the preferred embodiments are described below.

First, please refer to FIG. 1, FIG. 2, FIG. 5A, FIG. 5B and FIG. 1 is a schematic diagram showing the usage environment of the consumer payment method of the present invention; FIG. 2 is a schematic diagram showing another implementation structure of the consumer deduction system; FIG. 5A is a diagram showing the authentication code and the transaction code divided into different barcodes, by the electronic device. FIG. 5B is a schematic diagram showing the authentication code and the transaction code in a form of a single bar code displayed on the screen of the electronic device; FIG. 6 is a view showing the user data recorded in the database.

As shown in FIG. 1 , in an embodiment of the present invention, the consumer payment method of the present invention can provide an action of the user U to use the electronic device 90 for payment, wherein the electronic device 90 transmits the network N and the consumer button. The system 1 is connected, the consumer deduction system 1 is connected with a merchant computer P. In the specific embodiment of the present invention, the electronic device 90 is a smart phone, but the invention is not limited thereto. The electronic device 90 can also be a tablet computer, a smart watch or other similar electronic products. In an embodiment of the invention, the electronic device 90 includes a screen 91, a memory 92, and a processor 93. The memory 92 stores the computer program product 921 of the present invention for executing a consumer payment method. When the processor 93 of the electronic device 90 loads and executes the computer program product 921, the electronic device 90 can execute the consumer payment method of the present invention (ie, the steps S1, S2, S12 shown in FIG. 3 or the S1 shown in FIG. 4). , S2, S10, S11 and S14).

In an embodiment of the present invention, the consumer deduction system 1 includes a bar code receiving module 10, a judging module 20, a debit module 30, a notification module 40, a computing module 50, a bar code transmission module 60, and data. Library 70. It should be noted that, in addition to being configurable as a hardware device, a software program, a firmware, or a combination thereof, each of the above modules may also be configured by a circuit loop or other suitable type; and, in addition, each module may be configured in a separate type. It can also be combined with the type configuration. In a preferred embodiment, each module is stored in a software program on a memory, and each module is executed by a processor (not shown) in the consumer deduction system 1 to achieve the functions of the present invention. In addition, the present embodiment is merely illustrative of preferred embodiments of the present invention, and in order to avoid redundancy, all possible combinations of variations are not described in detail. However, those of ordinary skill in the art will appreciate that the various modules or components described above are not necessarily required. In order to implement the invention, other well-known modules or elements of more detail may also be included. Each module or component may be omitted or modified as needed, and no other modules or components may exist between any two modules.

As shown in FIG. 1 , FIG. 5A and FIG. 5B , in an embodiment of the present invention, the barcode receiving module 10 is configured to receive the authentication code Q1 and the transaction code Q2 transmitted by the merchant computer P, wherein the authentication code Q1 and The transaction code Q2 is obtained by scanning the merchant computer P from the electronic device 90 (for example, by scanning through an infrared scanner). The transaction code Q2 is a one-time valid transaction voucher, that is, each transaction code can only be used by the user U once; the transaction code Q2 includes the verification data and the time data, wherein the verification data is provided in advance by the consumption deduction system 1 The time data is the time when the transaction code is displayed on the electronic device 90. The details of the verification data and time data will be described in more detail below, and will not be repeated here. However, it should be noted that the transaction code of the present invention does not necessarily need to include verification data and time data, and the transaction code Q2 can also be composed solely of verification data. At this time, it can be said that the entire transaction code is obtained by the consumer deduction system 1 in advance. which provided. In addition, the authentication code Q1 and the transaction code Q2 may be displayed in the form of different barcodes by the screen 91 of the electronic device 90 for separate scanning by the merchant computer P, as shown in FIG. 5B. In the form of a single bar code, it is displayed by the screen 91 of the electronic device 90 for one scan of the merchant computer P.

In an embodiment of the present invention, the determining module 20 is configured to identify the identity of the user U according to the authentication code Q1, and determine whether the transaction code Q2 is a usable transaction code. Regarding how the judging module 20 recognizes the user's identity based on the authentication code Q1 and how the transaction code Q2 can be used, the following will be described in more detail, and therefore will not be further described herein.

In an embodiment of the present invention, the debit module 30 is configured to receive transaction data transmitted from the merchant computer P, and perform a debit action according to the transaction data. Since the action performed by the deduction module 30 is the same as or similar to the deduction action of the existing credit card, the technical concept has been scattered in many technologies or patent documents, which is not the focus of patentability of the case, and the invention is not limited. In the specific deduction method, there is no more detail here.

In an embodiment of the present invention, the notification module 40 is configured to transmit a checkout message to the merchant computer P to complete the transaction, that is, to transmit the checkout message, to inform the merchant that the computer P has completed the deduction action. The merchant computer P can open an invoice or receipt to the user (consumer) according to the checkout message.

In an embodiment of the present invention, the calculation module 50 is configured to determine, according to the content of the transaction code Q2, whether the number of verification data of the transaction code remaining in the electronic device 90 reaches a preset amount to determine whether to transmit at least one new one. The verification code of the transaction code is sent to the electronic device 90. The specific calculation method of the verification data of the transaction code will be described in more detail below, so no further explanation will be given here.

In an embodiment of the present invention, the barcode transmission module 60 is configured to transmit at least one new transaction code verification when the calculation module 50 determines that the number of verification data of the transaction code remaining in the electronic device 90 is less than a preset amount. The data is sent to the electronic device 90.

As shown in FIG. 1 and FIG. 6, in an embodiment of the present invention, the database 70 is used to record the data of each user U, including the name, the provided authentication code data, the verification data of the transaction code, and the deduction. Account number, etc.

Next, please refer to FIG. 2, which is another architecture diagram of the consumption deduction system. As shown in FIG. 2, in another embodiment of the present invention, the consumer deduction system 1 is not provided with the computing module 50, but is replaced by a request receiving module 80. The request receiving module 80 is configured to receive a transaction code transmission request sent by the electronic device 90, so that the barcode transmission module 60 transmits at least a new transaction code (or verification code of the transaction code) to the electronic device according to the transaction code transmission request. 90. In other words, the difference between the embodiment and the above embodiment is that, in the above embodiment, the transmission of the new transaction code (or the verification data of the transaction code) is actively initiated by the consumer deduction system 1, but in the embodiment. The new transaction code (or the verification data of the transaction code) is transmitted to the electronic device 90 after receiving the transaction code transmission request from the electronic device 90.

Further, please refer to FIG. 1 , FIG. 3 , FIG. 5A , FIG. 5B and FIG. 6 together to understand the execution steps of the consumer payment method of the present invention, wherein FIG. 3 is a flow chart of an embodiment of the consumer payment method of the present invention. Figure.

Step S1: Display the authentication code and the transaction code.

As shown in FIG. 1 , in the embodiment of the present invention, when the user U carries the electronic device 90 to the merchant to purchase the product, the user can input the startup command by operating the electronic device 90 at the time of checkout; After being input, the computer program product 921 controls the screen 91 of the electronic device 90 to display the authentication code Q1 and the transaction code Q2 on the screen 91 (as shown in FIG. 5A), wherein the transaction code Q2 includes verification data and time data. The verification data is provided by the consumer deduction system 1. Therefore, the verification data is recorded in the database 70, and the verification data has a correspondence relationship with the authentication code Q1 (as shown in FIG. 6), and the corresponding relationship is also Recorded in the database 70. The time data is the time when the transaction code Q2 is displayed on the screen 91 of the electronic device 90; for example, the time taken by the user U to the merchant is assumed to be 14:00, and the input of the activation command to cause the screen of the electronic device 90 91 shows that the time of the transaction code Q2 is 14:23, then the transaction code Q2 is displayed, and a part of the data (that is, the time data) is 1423 (for example, the last four codes). In other words, in this embodiment, the transaction The code Q2 content is randomly dynamic and will vary depending on the time point at which the transaction code S2 is displayed. In the specific embodiment of the present invention, the authentication code Q1 and the transaction code Q2 are two-dimensional barcodes, but the invention is not limited thereto, and the authentication code Q1 and the transaction code Q2 may also be QR-code or other types of barcodes. In addition, the authentication code Q1 and the transaction code Q2 may also be displayed by the screen 91 of the electronic device 90 in the form of a single bar code as shown in FIG. 5B, that is, the appearance is a single bar code, but the content includes the authentication code Q1 and the transaction code. Q2. After the electronic device 90 completes step S1, the computer program product 921, the electronic device 90, deletes the verification data of the transaction code Q2 that has been displayed (ie, performs step S2) to prevent reuse by the user U, in other words, the present invention. The transaction code Q2 referred to in the invention is a one-time valid transaction voucher.

Step S3: Scan the authentication code and the transaction code.

Once the user U presents the authentication code Q1 and the transaction code Q2 displayed on the screen 91 of the electronic device 90, the merchant computer P can scan and obtain the displayed authentication code Q1 and transaction code Q2 under the operation of the checkout staff. For example, the authentication code Q1 and the transaction code Q2 are scanned by an infrared scanner. Once the merchant computer P obtains the authentication code Q1 and the transaction code Q2, the acquired bar code data and the transaction data consumed by the user U are transmitted to the consumer deduction system 1 through the network N (ie, step S4 is performed). .

Step S5: receiving the authentication code, the transaction code, and the transaction data.

After the authentication code Q1, the transaction code Q2, and the transaction data are uploaded to the consumer deduction system 1, the barcode receiving module 10 of the consumer deduction system 1 can receive the authentication code Q1 and the transaction code obtained by the merchant computer P scanning. Q2, the deduction module 30 of the deduction system 1 also receives the transaction data.

Step S6: Identify the identity of the user according to the authentication code, and determine whether the transaction code is a usable transaction code.

After receiving the authentication code Q1 and the transaction code Q2, the determination module 20 then parses the authentication code Q1 and the transaction code Q2, and identifies the identity of the user U according to the content of the authentication code Q1, and determines whether the transaction code Q2 is usable. Transaction code.

In a specific implementation, the user U must first apply to the consumer deduction system 1 provider before enjoying the service of the consumer payment method of the present invention. Before the application, the user U must first use the electronic device 90 held by the user to download the computer program product 921 provided by the operator, and access the application portal provided by the network N. After the user U provides the specific information to the provider through the website, the consumer deduction system 1 transmits the verification code of the specific authentication code Q1 and the plurality of transaction codes S2 to the electronic device 90. The authentication code Q1 obtained by each user U is different, and is used as a system identification identity. For example, as shown in FIG. 6, the authentication code Q1 of the user U named Alex is abcde..., therefore, when the content of the authentication code Q1 received by the consumer deduction system 1 is abcde..., it can be checked by The manner of the table determines the identity of the user U.

In addition, the verification data transmitted by the deduction system 1 to the transaction code S2 of the electronic device 90 is stored in the electronic device 90, and the verification data and the authentication code Q1 have a corresponding relationship. The verification data is combined with the time data indicating the time point at which the user U displays the transaction code Q2, that is, the complete transaction code Q2 displayed on the screen 91. For example, as shown in FIG. 6, the user U named Alex has the verification data of 147964; if it is shown that the time of the transaction code Q2 is 14:52, the content of the complete transaction code Q2 is 1497640452 (that is, displayed in Transaction code Q2 on screen 91).

Therefore, after the merchant computer P scans and uploads the transaction code Q2 to the consumer deduction system 1, the judging module 20 of the deduction system 1 will conform to the correspondence between the verification data of the transaction code Q2 and the authentication code Q1. And whether the time when the transaction code Q2 is received and the time indicated by the time data are greater than a preset time difference, to determine whether the transaction code Q2 is a usable transaction code. Taking the example shown in FIG. 6 as an example, it is assumed that the content of the authentication code Q1 received by the consumer deduction system 1 is nba..., but the received transaction code Q2 is verified by the consumption deduction system 1 and Non-147964 is not 236473, 336672, and 547231, and does not meet the corresponding relationship. At this time, it is determined that the received transaction code Q2 is an unusable transaction code. Moreover, if the transaction code Q2 is received, the verification data is 147964, which is in accordance with the corresponding relationship, but the time point indicated by the received time data (assumed to be 1523) and the consumption deduction system 1 receive the transaction code Q2. The time point (assumed to be 16:30) is too long to exceed the preset time difference (for example, more than one hour), and the transaction code Q2 is also determined to be an unusable transaction code.

Step S7: Perform a deduction action according to the transaction data.

Once the judging module 20 judges that the user U is a system member and the transaction code Q2 is also a usable transaction code, the deduction module 30 of the deduction system 1 starts to perform the deduction action according to the obtained transaction data. . On the other hand, if it is judged that the user U is not a system member, or the transaction code Q2 used is an unusable transaction code, the consumer deduction system 1 will return a rejection deduction message to the merchant computer P to inform the merchant computer P. This user U cannot use the services of this system. Since the specific deduction action is the same as or similar to the current credit card deduction action, and the present invention is not limited to the specific manner of deduction, it will not be repeated here. However, it should be noted that, in the specific implementation, the transaction data is not necessarily transmitted simultaneously with the authentication code Q1 and the transaction code Q2, and may be transmitted later or earlier than the authentication code Q1 and the transaction code Q2, such as later than the authentication code. When Q1 and transaction code Q2 are transmitted, the system can return the rejection of the debit message to the merchant computer P when the authentication code Q1 or the transaction code Q2 is unqualified, and the transaction data will not be uploaded to the consumer deduction system 1 at this time. .

Step S8: Transfer the checkout message.

After verifying and completing the deduction action, the notification module 40 of the consumer deduction system 1 transmits a checkout message to the merchant computer P, so that the merchant computer P can complete the transaction after receiving the checkout message (ie, Step S9) is performed.

Step S10: determining whether the number of verification data of the transaction code remaining in the electronic device is greater than a preset number.

In the embodiment of the present invention, since the consumption deduction system 1 transmits the verification data of the plurality of transaction codes Q2 to the electronic device 90 at a time, the verification data of the transaction code Q2 is deleted every time the transaction is completed, therefore, In the embodiment of the present invention, the calculation module 50 of the consumer deduction system 1 determines the number of verification data of the transaction code Q2 remaining in the electronic device 90 according to the content of the verification data of the transaction code Q2 after each transaction is completed. Whether it is up to the preset number, thereby determining whether to transmit the verification data of the new transaction code to the electronic device 90. Specifically, each part of the verification data of the plurality of transaction codes provided by the consumer deduction system 1 may be numbered; it is assumed that the last code data of the plurality of verification data transmitted to the electronic device 90 for the first time are respectively For the 1~7, the verification data of the transaction code Q2 is used in order from the smallest to the largest according to the last code data. Therefore, when the transaction code of the transaction code S2 received by the consumer deduction system 1 is 5, The calculation module 50 of the consumer deduction system 1 can determine that the verification data of the transaction code remaining in the electronic device 90 is two (7-5=2). It should be noted that the calculation of the number of verification data of the transaction code Q2 of the present invention is not limited to the above method, and may also be in other ways; for example, according to the authentication code Q1 and the transaction code Q2 The number of times received, for example, a new transaction code is transmitted once every seven times of fixed reception.

Step S11: transmitting the verification data of the new transaction code.

In step S10, if it is determined that the number of verification data of the transaction code Q2 remaining in the electronic device 90 is less than the preset number (for example, when there are less than 2), if the electronic device 90 has the connection network N, the consumption is performed. The barcode transmission module 60 of the debit system 1 transmits the verification data of the new transaction code to the electronic device 90 through the network N.

Step S12: Receive verification data of the new transaction code.

When the consumer debit system 1 transmits the verification data of the new transaction code to the electronic device 90, the computer program product 921 of the electronic device 90 receives the verification data of the new transaction code and causes the electronic device 90 to store the verification data in the memory 92. in.

It should be noted that the transaction code Q2 does not need to include the verification data and the time data, and the transaction code Q2 can also be composed of the verification data separately. At this time, the verification data of the transaction code Q2 is equal to the transaction code Q2.

Finally, please refer to FIG. 4 for a flow chart of steps of another embodiment of the consumer payment method of the present invention, and please refer to FIG. 2, FIG. 5A, FIG. 5B and FIG.

As shown in FIG. 4, another embodiment of the consumer payment method of the present invention includes the steps shown in FIG. 4, wherein steps S1 to S9 are the same as steps S1 to S9 described above, and thus are not described herein. The difference between this embodiment and the above embodiment is that after the computer program product 921 controls the electronic device 90 to delete the verification data of the transaction code Q2, the computer program product 921 will detect and verify the transaction code remaining in the electronic device 90. The number of materials is such that once the remaining amount is less than the preset amount or the verification data has no transaction code, the computer program product 921 controls the electronic device 90 to issue a transaction code transmission request to the consumer deduction system 1 to request consumption. The debit system 1 provides verification data of the new transaction code (i.e., step S11 shown in Fig. 4 is performed).

After the transaction code transmission request is transmitted to the consumer deduction system 1, the request receiving module 80 receives the transaction code transmission request, and transmits the verification data of the plurality of new transaction codes to the electronic device 90 according to the transaction code transmission request (ie, executes Steps S12 to S14) shown in Fig. 4 .

To sum up, the present invention, regardless of its purpose, means and efficacy, shows its distinctive features of the prior art. You are requested to review the examination and express the patent as soon as possible. It should be noted that the various embodiments described above are merely illustrative for ease of explanation, and the scope of the invention is intended to be limited by the scope of the claims.

1‧‧‧Consumer deduction system
10‧‧‧Barcode receiving module
20‧‧‧Judgement module
30‧‧‧Deduction module
40‧‧‧Notification module
50‧‧‧Computation Module
60‧‧‧ barcode transmission module
70‧‧‧Database
80‧‧‧Request receiving module
90‧‧‧Electronic devices
91‧‧‧ screen
92‧‧‧ memory
921‧‧‧Computer Program Products
93‧‧‧Processor
P‧‧‧Business Computer
N‧‧‧Network
U‧‧‧Users
Q1‧‧‧Certificate
Q2‧‧‧ transaction code

1 is a schematic diagram showing the usage environment of the consumer payment method of the present invention. 2 is a block diagram showing another implementation of a consumer chargeback system. 3 is a flow chart showing the steps of an embodiment of the consumer payment method of the present invention. 4 is a flow chart showing the steps of another embodiment of the consumer payment method of the present invention. FIG. 5A is a schematic diagram showing the authentication code and the transaction code being divided into different barcodes and displayed by the screen of the electronic device. FIG. 5B is a schematic diagram showing the authentication code and the transaction code displayed in a single bar code when displayed on the screen of the electronic device. Figure 6 shows the user data recorded in the database.

1‧‧‧Consumer deduction system

10‧‧‧Barcode receiving module

20‧‧‧Judgement module

30‧‧‧Deduction module

40‧‧‧Notification module

50‧‧‧Computation Module

60‧‧‧ barcode transmission module

70‧‧‧Database

90‧‧‧Electronic devices

91‧‧‧ screen

92‧‧‧ memory

921‧‧‧Computer Program Products

93‧‧‧Processor

P‧‧‧Business Computer

N‧‧‧Network

U‧‧‧Users

Claims (6)

A consumer payment method for providing a user with an electronic device for performing a payment action. The electronic device is connected to a consumer deduction system via a network, and the consumer deduction system is connected to a merchant computer. The electronic device includes a processor and a screen, and the consumer payment method includes the following steps: the processor displays an authentication code and a transaction code through the screen for the merchant computer to scan and upload to the consumer deduction system. After the verification by the consumer deduction system, a deduction action is performed, wherein the authentication code is used to identify the identity of the user, and the transaction code is a one-time valid transaction voucher, and includes a verification data and a time data. The time data is the time when the transaction code is displayed on the screen; and the processor deletes the displayed transaction code. The consumer payment method of claim 1, wherein after the transaction code is deleted, the consumer payment method further comprises the step of: receiving, by the processor, at least one new transaction code transmitted by the consumption deduction system . The consumer payment method of claim 2, wherein when the number of transaction codes remaining in the electronic device does not reach a predetermined number, the consumer payment method further comprises the step of: receiving, by the processor, the consumer The at least one new transaction code transmitted by the system. The consumer payment method of claim 2, further comprising the steps of: determining, by the processor, whether the number of transaction codes remaining in the electronic device reaches a predetermined number to determine whether to transmit a request for transmitting the transaction code Deduct the system for the consumption. The consumer payment method of claim 1, wherein the authentication code and the verification data are provided by the consumer deduction system. A computer program product for executing a consumer payment method, after a processor loads and executes the computer program product, the consumer payment method as claimed in any one of claims 1 to 5 can be completed.