TWI639122B - Payment verification system and payment verification method - Google Patents

Abstract

A payment verification system includes a cash register device, a host device, and a transaction management device. The cash register device is used to scan barcodes to generate transaction data. The host device is connected to the cash register device and used to receive transaction data. The transaction management device is connected to the host device and used to receive the transaction data sent by the host device and judge the validity of the transaction data. When the transaction management device determines that the transaction data is valid, the transaction management device sends the transaction detail data to the host device to enable the host device to send the transaction detail data to the cash register device for display. When the transaction management device determines that the transaction data is invalid, the transaction management device sends an invalid message to the host device to enable the host device to send the invalid message to the cash register device for display.

Description

Payment verification system and payment verification method

The present disclosure is a payment verification technology, and particularly relates to a payment verification system and payment verification method.

In modern life, people often receive paper payment notices that are sent regularly for applying for various services. However, during the period from the printing of the payment notice to the receipt of the payment by the public, the payment may be erroneous due to changes in the payment content and payment through other channels.

One aspect of the present disclosure is to provide a payment verification system, which includes a cash register device, a host device, and a transaction management device. The cash register device is used to scan barcodes to generate transaction data. The host device is connected to the cash register device and used to receive transaction data. The transaction management device is connected to the host device and used to receive the transaction data sent by the host device and judge the validity of the transaction data. When the transaction management device judges that the transaction data is valid, the transaction management device sends the transaction details to the host device to enable the host device to send the transaction details to the cash register Displayed on the device. When the transaction management device determines that the transaction data is invalid, the transaction management device sends an invalid message to the host device to enable the host device to send the invalid message to the cash register device for display.

In one embodiment of the present disclosure, the cash register device is further used to send a payment completion message to the host device. The host device is further used to send a payment completion message to the transaction management device. The transaction management device is further used to record the transaction result of the transaction data according to the payment completion message and send the transaction result to the host device so that the host device transmits the transaction result to the cash register device for display.

In an embodiment of the present disclosure, the transaction management device further includes a server and a core management unit. The server is connected to the host device and used to receive the transaction data sent by the host device. The core management unit is used to judge the validity of transaction information.

In one embodiment of the present disclosure, the barcode is generated by the mobile device through the application program.

In an embodiment of the present disclosure, data is transmitted between the host device and the transaction management device via a dedicated line of point of sale (POS) system.

Another aspect of the present disclosure is to provide a payment verification method, which includes the following steps. Through the cash register, scan the barcode to generate transaction data. Through the host device, connect to the cash register device and receive transaction data. Through the transaction management device, the transaction data sent by the host device is received and the validity of the transaction data is judged. Through the transaction management device, when the transaction data is judged to be valid, the transaction details are sent to the host device to enable the host device to send the transaction details to the cash register for display. Through the transaction management device, when judging the transaction When the data is invalid, an invalid message is sent to the host device to enable the host device to send the invalid message to the cash register device for display.

In one embodiment of the present disclosure, the payment completion message is sent to the host device through the cash register device. Through the host device, send the payment completion message to the transaction management device. Through the transaction management device, record the transaction result of the transaction data according to the payment completion message and send the transaction result to the host device to enable the host device to send the transaction result to the cash register device for display.

In an embodiment of the present disclosure, the transaction management device further includes a server and a core management unit. The payment verification method further includes the following steps. Through the server, connect to the host device and receive the transaction data sent by the host device. Through the core management unit, judge the validity of transaction information.

In an embodiment of the present disclosure, a barcode is generated by an application program through a mobile device.

In summary, the present disclosure can instantly check whether the transaction data is valid from the moment the user pays to the merchant to avoid the wrong payment. After the payment is completed, the transaction result in the transaction management device of the payment unit will also be updated in real time, and the transaction result will be returned to the host device of the super merchant in the same format, and then sent to the cash register device, so the clerk can confirm the cash register device display Inform the user of the transaction result.

The above description will be described in detail in the following embodiments, and the technical solutions of the present disclosure will be further explained.

In order to make the above and other objects, features, advantages and embodiments of the disclosure more obvious and understandable, the attached symbols are described as follows:

100‧‧‧Payment verification system

110‧‧‧Cash register

120‧‧‧Host device

130‧‧‧Transaction management device

200‧‧‧Payment verification system

230‧‧‧Transaction management device

231‧‧‧Server

232‧‧‧Core management unit

240‧‧‧Mobile device

300‧‧‧Payment verification method

S302 ~ S312‧‧‧Step

In order to make the above and other purposes, features and advantages of this disclosure The point and the embodiment can be more obvious and understandable. The attached drawings are explained as follows: FIG. 1 is a schematic diagram illustrating a payment verification system of an embodiment of the disclosure; FIG. 2 is a payment verification of an embodiment of the disclosure A schematic diagram of the system; FIG. 3 is a flowchart illustrating a payment verification method according to an embodiment of the disclosure; and FIGS. 4A-4D are schematic diagrams illustrating an application program according to an embodiment of the disclosure.

The following disclosure provides many different embodiments or illustrations to implement the features of the present invention. This disclosure may repeatedly refer to numerical symbols and / or letters in different illustrations. These repetitions are for simplicity and explanation, and do not specify the relationship between different embodiments and / or configurations in the following discussion.

In the embodiment and the scope of applying for a patent, unless there is a special limitation on articles in the text, "a" and "the" may refer to a single one or plural ones. It will be further understood that the terms "comprising," "including," "having," and similar words used herein indicate the features, regions, integers, steps, operations, elements, and / or components described therein, but do not exclude One or more other features, regions, integers, steps, operations, elements, components, and / or groups thereof described or added thereto.

FIG. 1 is a schematic diagram illustrating a payment verification system 100 according to an embodiment of the present disclosure. The payment verification system 100 includes a cash register device 110, The host device 120 and the transaction management device 130. The host device 120 is connected to the cash register device 110, and the transaction management device 130 is connected to the host device 120.

In order to facilitate the description of the payment verification system 100 of the present disclosure, the following uses the use case as an example. When the user wants to pay at the supermarket, he shows the bar code for payment to the store clerk (for example, through the paper payment slip, through the screen of the mobile device, etc.). The store clerk uses the scanner of the cash register 110 to scan the barcode provided by the user to generate transaction data about the fee. Then, the cash register device 110 transmits the generated transaction data to the host device 120 located in the super merchant terminal computer room. The host device 120 then sends the transaction data to the transaction management device 130 on the payment unit side to check the payment situation. The transaction management device 130 is used to receive the transaction data transmitted by the host device 120 and determine the validity of the transaction data (for example, whether the payment has been completed and whether the payment amount is correct, etc.).

When the transaction management device 130 determines that the transaction data is valid (for example, the payment has not been paid), the transaction management device 130 transmits the transaction details (for example, the total payment amount) to the host device 120. Therefore, the host device 120 transmits the transaction details to the cash register device 110 operated by the store clerk for display. Therefore, the user can immediately know that the current bill to be paid has not been paid, and can continue to pay.

Conversely, when the transaction management device 130 determines that the transaction data is invalid (for example, payment has been completed), the transaction management device 130 sends an invalid message (for example, a message that cannot be charged) to the host device 120. Therefore, the host device 120 transmits an invalid message to the cash register device 110 operated by the store clerk for display. Therefore, the store clerk can immediately inform the user that the current bill to be paid does not need to be paid, and Effectively avoid the situation of wrong payment.

In one embodiment, data is transmitted between the host device 120 and the transaction management device 130 on the payment unit side via a dedicated point of sale (POS) system.

According to the above, when the user completes the payment action, the store clerk can operate the cash register device 110 to send the payment completion message to the host device 120 (for example, the main office of the super merchant). The host device 120 then sends a payment completion message to the transaction management device 130 on the payment unit side. The transaction management device 130 records the transaction result of the transaction data (that is, writes off the account) according to the payment completion message, and transmits the transaction result of the transaction data to the host device 120. Therefore, the host device 120 transmits the transaction result to the cash register device 110 for display. Therefore, the clerk can inform the user that the payment has been completed, that is, the user can immediately confirm that the transaction has been paid.

In order to explain the transaction management device on the payment unit side, please refer to Figure 2. FIG. 2 is a schematic diagram illustrating a payment verification system 200 according to an embodiment of the present disclosure. The structure of the payment verification system 200 is substantially the same as that of the payment verification system 100, except that the transaction management device 230 includes a server 231 and a core management unit 232. The server 231 is connected to the host device 120 located in the hypermarket terminal switch room, and the server 231 is connected (for example, via an internal network) to the core management unit 232 (for example, the core system at the payment unit end). For example, the core management unit 232 records user application service data and related payment data.

As described above, the user presents the bar code for payment to the store clerk (for example, through the paper payment slip, through the screen of the mobile device 240, etc.), and the store clerk Then, the scanner of the cash register 110 is used to scan the barcode provided by the user to generate transaction data about the fee. Then, the cash register device 110 transmits the generated transaction data to the host device 120 located in the super merchant terminal computer room. The host device 120 then sends the transaction data to the transaction management device 230 on the payment unit side to check the payment situation.

Specifically, the server 231 of the transaction management device 230 is used to receive the transaction data sent by the host device 120 and send it to the core management unit 232 (for example, via an internal network). The core management unit 232 is used to determine the validity of transaction data (for example, whether payment has been completed), and to return transaction details (such as total payment amount) or invalid messages (such as non-chargeable messages) to the same format of the transaction data to SERVER 231. Therefore, after judging the validity of the transaction data, the server 231 can correspondingly transmit the transaction details (such as the total payment amount) or invalid messages (such as non-chargeable messages) to the host device 120 of the super merchant terminal computer room The host device 120 then transmits transaction details (such as the total payment amount) or invalid messages (such as non-chargeable messages) to the cash register device 110 in the store. Therefore, the user can instantly know the bill payment situation.

In one embodiment, the data is transferred between the host device 120 of the super merchant terminal computer room and the server 231 of the transaction management device 230 of the payment unit terminal via a point-of-sale information (POS) system.

As described above, in the case where the user displays the barcode on the screen of the mobile device 240 (eg, mobile phone, tablet computer, etc.), the barcode can be generated through the application installed on the mobile device 240. Therefore, even if there is no paper payment notice, the user can carry the mobile device 240 shows the bar code to pay directly, no need to bring paper payment notice.

FIG. 3 is a flowchart illustrating a payment verification method 300 of some embodiments of the present disclosure. The payment verification method 300 has multiple steps S302 to S312, which can be applied to the payment verification systems 100 and 200 described in FIG. 1 and FIG. 2. However, those skilled in the art should understand that the steps mentioned in the above embodiments can be adjusted in accordance with the actual needs except for those whose sequences are specifically stated, and can even be executed simultaneously or partially simultaneously. The specific implementation method is disclosed as before, and will not be repeated here.

In step S302, the bar code is scanned through the cash register to generate transaction data.

In step S304, through the host device, connect to the cash register device and receive transaction data.

In step S306, through the transaction management device, receive the transaction data sent by the host device, and in step S308, determine whether the transaction data is valid.

If it is determined that the transaction data is valid, in step S310, the transaction details are transmitted to the host device through the transaction management device to enable the host device to transmit the transaction details to the cash register device for display.

If it is determined that the transaction data is invalid, then in step S312, the transaction management device sends an invalid message to the host device to enable the host device to send the invalid message to the cash register device for display.

In a usage scenario, a user uses an application to generate a bar code for paying fees. Figures 4A to 4D are schematic diagrams illustrating an application according to an embodiment of the present disclosure. When the user logs in with the application, he can choose the action Counter function, and users can click the payment service function, as shown in Figure 4A. Therefore, the user can select the policy to be paid, as shown in Figure 4B. The application displays the amount of insurance premium paid. The user can click the amount block to display the details of the insurance premium. If the user confirms that the details are correct, they can click the confirm content button, as shown in Figure 4C. The application displays the precautions for the payment barcode. After the user confirms, the application displays the payment barcode screen, so the user can show this barcode to the super store clerk for payment, as shown in Figure 4D.

In summary, the present disclosure can instantly check whether the transaction data is valid from the moment the user pays to the merchant to avoid the wrong payment. After the payment is completed, the transaction result in the transaction management device of the payment unit will also be updated in real time, and the transaction result will be returned to the host device of the super merchant in the same format, and then sent to the cash register device, so the clerk can confirm the Inform the user of the transaction result.

Although this case has been disclosed as above by way of implementation, it is not intended to limit this case. Anyone who is familiar with this skill can make various changes and retouching without departing from the spirit and scope of this case, so the scope of protection of this case should be considered The scope of the attached patent application shall prevail.

Claims (8)

A payment verification system includes: a cash register device installed in a supermarket store, the cash register device is used to scan a code to generate a transaction data; a host device is installed in a super merchant terminal computer room, the host device is connected Wire to the cash register device and used to receive the transaction data; and a transaction management device, which is installed at a payment unit end, the transaction management device is connected to the host device and used to receive the transaction data transmitted by the host device, and used to determine A payment status of the transaction data determines whether the transaction data is valid, wherein when the transaction management device determines that the transaction data is valid, the transaction management device sends a transaction detail data to the host device to enable the host device to send the transaction details The data is displayed on the cash register device; when the transaction management device determines that the transaction data is invalid, the transaction management device sends an invalid message to the host device to enable the host device to send the invalid message to the cash register device for display. A point of sale information (Point of sale (POS) system dedicated line to transmit data. The payment verification system according to claim 1, wherein the cash register device is further used to send a payment completion message to the host device, and the host device is further used to send the payment completion message to the transaction management device, It is used to record a transaction result of the transaction data according to the payment completion message and send the transaction result to the host device so that the host device transmits the transaction result to the cash register device for display. The payment verification system according to claim 1, wherein the transaction management device further comprises: a server connected to the host device and used to receive the transaction data sent by the host device; and a core management unit to determine The payment status of the transaction information determines whether the transaction information is valid. The payment verification system according to claim 1, wherein the barcode is generated by an application through a mobile device. A payment verification method includes: scanning a bar code through a cash register device to generate transaction data, wherein the cash register device is set in a supermarket store; through a host device, connecting to the cash register device and receiving the transaction data, Wherein the host device is installed in a super merchant terminal room; through a transaction management device, the transaction data sent by the host device is received, and a payment status of the transaction data is judged to determine whether the transaction data is valid, wherein the host device Transmit data with the transaction management device through a special line of point-of-sale information system, and the transaction management device is set at the end of a payment unit; through the transaction management device, when it is judged that the transaction data is valid, send a transaction details to The host device enables the host device to send the transaction details to the cash register device for display; and through the transaction management device, when it is determined that the transaction data is invalid, an invalid message is sent to the host device to cause the host device to send the invalid The message is displayed on the cash register. The payment verification method according to claim 5, further comprising: sending a payment completion message to the host device through the cash register device; sending the payment completion message to the transaction management device through the host device; and through the transaction management device , Record a transaction result of the transaction data according to the payment completion message and send the transaction result to the host device so that the host device transmits the transaction result to the cash register device for display. The payment verification method according to claim 5, wherein the transaction management device further includes a server and a core management unit, and the payment verification method further includes: connecting to the host device and receiving the host device through the server The transaction data transmitted; and through the core management unit, determine the payment status of the transaction data to determine whether the transaction data is valid. The payment verification method described in claim 5 further includes: generating the barcode through an application through a mobile device.