TWI637336B - System for effecting an electronic transaction and method thereof - Google Patents

Abstract

The present invention provides a system for facilitating electronic transactions, which is adapted to be located at a server end, The method includes: an analysis module; and a transaction transfer module; wherein, for the electronic transaction, the analysis module parses and identifies the action according to an action payment code received from a special store associated with an action payment provider a payment provider; the transaction transfer module will receive transaction information of the electronic transaction from the authorized store, transmit to the mobile payment provider in accordance with the format required by the mobile payment provider, to conduct the transaction, and reply to the mobile payment provider The payment result is transmitted to the special store.

Description

System and method for facilitating electronic transactions

The present invention relates to a system and method for facilitating electronic transactions, and more particularly to an integrated electronic trading platform and method thereof.

In the prior art, if a store wants to cooperate with different mobile payment providers, it must perform integration operations according to different action payment providers. For example, the store's collection device must install the transaction system of each mobile payment provider and need to update from time to time.

Therefore, there is still a need for an electronic transaction system or method that integrates different mobile payment providers and simplifies the collection operations of a special store.

In one aspect, the present invention provides a system for facilitating electronic transactions, which is adapted to be located at a server end, the system comprising an analysis module and a transaction transfer module. Wherein, for the electronic transaction, the parsing module parses and identifies the mobile payment provider according to the action payment code associated with an action payment provider received from the special store; the transaction transfer module will receive the special store The transaction information of the electronic transaction is transmitted to the mobile payment provider in accordance with the format required by the mobile payment provider to conduct the transaction, and the payment result of the mobile payment provider is transmitted to the special store.

In some embodiments of the present invention, the system for facilitating electronic transactions further includes a billing management module that communicates with a billing system for transaction clearing and appropriation.

In some embodiments of the present invention, the system for facilitating electronic transactions further includes a exchange module that converts the amount according to the transaction currency required by the mobile payment provider.

In accordance with the present invention, the mobile payment code includes, but is not limited to, a character code, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof.

In a specific embodiment of the present invention, the transaction information includes information parsed by the action payment code.

In another aspect, the present invention provides a method for facilitating electronic transactions, comprising: for the electronic transaction: an analysis module parses and identifies an action payment code associated with an action payment provider received from a special store The action payment provider; and a transaction transfer module will receive transaction information of the electronic transaction from the special store, transmit to the mobile payment provider in accordance with the format required by the action provider to conduct the transaction, and the action The payment result of the payment by the payment provider is transmitted to the special store.

In some embodiments of the present invention, the method for facilitating electronic transactions further includes the step of: a billing management module communicating with a billing system for transaction clearing and appropriation.

In some embodiments of the present invention, the method for facilitating electronic transactions further includes the step of: converting a money module to convert the amount according to a transaction currency required by the action payment provider.

In accordance with the present invention, the mobile payment code includes, but is not limited to, a character code, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof.

In a specific embodiment of the present invention, the transaction information includes information parsed by the action payment code.

Other objects and advantages of the invention will be set forth in the description which follows. It is to be understood that the foregoing description of the invention and the invention are intended to

All technical and scientific terms used herein have the meaning as commonly understood by one of ordinary skill in the art to which the present invention pertains, unless otherwise indicated.

The term "a" as used herein, unless otherwise specified, refers to the quantity of at least one (one or more).

In one aspect, the present invention provides a system for facilitating electronic transactions, which is adapted to be located at a server end, the system comprising an analysis module and a transaction transfer module. Wherein, for the electronic transaction, the parsing module parses and identifies the mobile payment provider according to the action payment code associated with an action payment provider received from the special store; the transaction transfer module will receive the special store The transaction information of the electronic transaction is transmitted to the mobile payment provider in accordance with the format required by the mobile payment provider to conduct the transaction, and the payment result of the mobile payment provider is transmitted to the special store.

The system for facilitating electronic transaction of the present invention is based on transaction information transmitted by a special store collection device (for example, POS) for authentication and identification, and after the authentication is completed, the transaction is controlled to be transferred to the corresponding action payment according to the transmitted information. The operator carries out subsequent transactions and returns the collection device of the special store according to the execution result.

The "special store" described in this article includes physical special stores and online special stores (including personal device App special stores).

Non-limiting examples of "action payment providers" described herein include: 17Life, Jiekou, Pi, Taixinbao, Alipay, Quick Money, and Tenpay.

In some embodiments of the present invention, the system for facilitating electronic transactions further includes a billing management module that communicates with a billing system for transaction clearing and appropriation. The accounting system can allocate funds to the special stores according to the account information provided by the account management module, or perform reconciliation/liquidation with the e-commerce payment system of each mobile payment provider.

In some embodiments of the present invention, the system for facilitating electronic transactions further includes a exchange module that converts the amount according to the transaction currency required by the mobile payment provider. For example, if the system for facilitating electronic transactions is located in a server of a domestic bank, and if the mobile payment provider is involved in an overseas transaction for Alipay, etc., the exchange module will base the amount of the new Taiwan dollar on the electronic transaction. After the bank converts the transaction currency agreed with the action payment provider, the transaction transfer module transmits the relevant information to the action payment provider for the transaction.

According to the present invention, the mobile payment code includes, but is not limited to, a character code, a one-dimensional barcode, a two-dimensional barcode (for example, a fast response matrix code (QR code)), or a combination thereof. In a preferred embodiment of the invention, the mobile payment code is a two-dimensional barcode. In an example of the present invention, the consumer may choose to use an action payment service of an action payment provider to pay for the purchase payment at a special store, and an action payment code associated with the action payment provider may be used by the consumer. The related App in the personal device is displayed on the screen of the personal device, and then scanned by the payment device at the special store side and transmitted to the server end of the system for facilitating electronic transaction of the present invention. In another example, the mobile payment code can also be provided to a special store in other ways (eg, using Near Field Communication (NFC) technology).

The transaction information includes information required by the action payment provider to conduct a transaction, such as transaction time and transaction amount...etc. In a specific embodiment of the present invention, the transaction information further includes information obtained by parsing the action payment code, for example, user related information of the consumer in the mobile payment provider system.

In another aspect, the invention provides a method for facilitating electronic transactions. For the electronic transaction, the method includes the following steps: an analysis module parses and identifies the mobile payment provider according to an action payment code received from a special store associated with an action payment provider; and a transaction transfer module The transaction information of the electronic transaction received from the special store is transmitted to the mobile payment provider in accordance with the format required by the mobile payment provider to conduct the transaction, and the payment result of the mobile payment provider is transmitted to the special store.

In some embodiments of the present invention, the method for facilitating electronic transactions further includes the step of: a billing management module communicating with a billing system for transaction clearing and appropriation. The accounting system can allocate funds to the special stores according to the account information provided by the account management module, or perform reconciliation/liquidation with the e-commerce payment system of each mobile payment provider.

In some embodiments of the present invention, the method for facilitating electronic transactions further includes the step of: converting a money module to convert the amount according to a transaction currency required by the action payment provider.

In accordance with the present invention, the mobile payment code includes, but is not limited to, a character code, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof.

In a specific embodiment of the present invention, the transaction information includes information parsed by the action payment code.

Specifically, the parsing module, the transaction transfer module, the account management module, and the exchange module can be implemented by programming or software technology.

Referring now for example a particular preferred embodiment of the present invention described systems facilitate electronic transactions in FIG.

As shown in the system architecture diagram of FIG. 1, the system for facilitating electronic transactions of the present invention is adapted to be disposed at a server end 100. The system for facilitating electronic transactions includes a parsing module 10 and a transaction transfer module. The group 20 , a account management module 30, and a exchange module 40 . For the electronic transaction, the parsing module 10 parses and identifies the mobile payment provider 300 according to the action payment code 55 received from the correspondent store 200 associated with an mobile payment provider; the transaction transfer module 20 will receive the transaction information 65 of the electronic transaction and our 200 stores, according to the transmission format of the mobile payment industry needed 300 to 300 of the mobile payment industry to carry out the transaction, the transaction adapter module payment result of 20 300 replies the mobile payment industry The transaction is completed after delivery to the special store 200 . The account management module 30 communicates with a billing system 400 for transaction clearing and funding. If necessary, the exchange module 40 converts the amount of the transaction required by the mobile payment provider 300 (which can be negotiated by the system for facilitating electronic transactions of the present invention and the mobile payment provider 300 ), and then converts the amount. The amount is provided to the transaction transfer module 20 , and the transaction information is added in accordance with the format required by the mobile payment provider 300 , and transmitted to the mobile payment provider 300 for transaction.

The method for facilitating electronic transactions of the present invention can be implemented in conjunction with the system for facilitating electronic transactions of the present invention, as described in more detail below with reference to Figures 1 and 2 .

2 is a flow diagram of a preferred embodiment of a method for facilitating electronic transactions in accordance with the present invention. As shown in FIG. 1-2 , when the consumer makes a purchase at the special store 200 and provides an action payment code 55 associated with an action payment provider for payment, the parsing module 10 can receive the action payment code 55 according to the received from the special store 200 . Parsing and identifying the mobile payment provider 300 (step S210 ); then the transaction transfer module 20 can confirm whether the transaction is an overseas transaction (step S205 ); if so, the exchange module 40 can be required by the action payment provider 300 The transaction currency is converted into a value (step S208 ), and then step 220 is performed . If not, step 220 is directly performed: the transaction transfer module 20 receives the transaction information 65 from the special store 300 , according to the action payment provider 300. The required format is transmitted to the mobile payment provider 300 for transaction; the transaction transfer module 20 transmits the payment result of the mobile payment provider 300 to the special store 200 (step S230 ) and completes the transaction.

100 ‧‧‧Server side

10 ‧‧‧analysis module

20 ‧‧‧Transaction Transfer Module

30 ‧‧‧Accounting Management Module

40 ‧‧‧Exchange Module

55 ‧‧‧ action payment code

65 ‧‧‧Transaction Information

200 ‧ ‧ special store

300 ‧ ‧ action payers

400 ‧‧‧Accounting System

1 shows a system architecture diagram corresponding to a preferred embodiment of the present invention.

Figure 2 shows a flow chart corresponding to a preferred embodiment of the present invention.

no

Claims (10)

A system for facilitating electronic transactions, which is adapted to be disposed at a server end, comprising: an analysis module; and a transaction transfer module; wherein, for the electronic transaction, the analysis module is received according to the special offer An action payment code associated with an action payment provider of the store, parsing and identifying the action payment provider; the transaction transfer module will receive transaction information of the electronic transaction from the special store, according to the action required by the payment provider The format is transmitted to the mobile payment provider for the transaction and the payment result of the action payment provider is transmitted to the special store. The system of claim 1 for facilitating electronic transactions further comprising a billing management module that communicates with a billing system for transaction clearing and appropriation. The system of claim 1 for facilitating electronic transactions further includes a exchange module that converts the amount according to the transaction currency required by the action payment provider. The system of claim 1 for facilitating electronic transactions, wherein the action payment code is a character code, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof. The system of claim 1 for facilitating an electronic transaction, wherein the transaction information includes information obtained by parsing the action payment code. A method for facilitating an electronic transaction, comprising: for the electronic transaction: an analysis module parses and identifies the mobile payment provider based on an action payment code associated with an action payment provider received from a special store; and The transaction transfer module will receive the transaction information of the electronic transaction from the special store, transmit it to the mobile payment provider in accordance with the format required by the action provider to conduct the transaction, and transmit the payment result of the action payment provider. To the special store. The method of claim 6 for facilitating electronic transactions further comprising a billing management module communicating with a billing system for transaction clearing and appropriation. The method of claim 6 for facilitating an electronic transaction further includes a currency exchange module converting the amount according to a transaction currency required by the action payment provider. The method of claim 6 for facilitating an electronic transaction, wherein the action payment code is a character code, a one-dimensional barcode, a two-dimensional barcode, or a combination thereof. The method of claim 6 for facilitating an electronic transaction, wherein the transaction information includes information obtained by parsing the action payment code.