TWI640939B - Credit card bill sharing system - Google Patents

Abstract

A credit card sub-accounting system includes a transaction server, a card swiping device, a card swipeper mobile device, and at least one co-payer mobile device. The card reader mobile device includes a billing device and a display device. The accounting device provides the card reader to initiate a sub-ledger operation, and the display device displays a security control mechanism serial number issued by the transaction server. The co-payer mobile device also includes a billing device to provide a co-payer to join the sub-ledger operation, and uses an input device to enter the security control mechanism serial number.

Description

Credit card accounting system

This invention relates to credit card accounting systems and, more particularly, to a credit card debiting system.

With the advancement of technology, the computer industry is also increasingly developed, and all walks of life can quickly use computers and the Internet for transactions and remittances. Various forms of trading models are also booming, allowing consumers and businesses to trade easily and quickly.

In terms of current consumer spending habits, credit cards are a way for many people to pay their bills. Using credit cards for spending, you can not only delay payments, but you can also use your credit card bill for financial management. Consumers can use credit card payment details, such as the amount and consumer goods, to understand the individual's consumption habits, and even analyze the tendency of personal consumption.

However, there are some inconveniences in spending on credit cards. Because of each bill, when making a checkout, in general, the credit card swipe machine can only swipe on a single credit card. Unless the merchant splits the bill into multiple cards, it will not only increase the troubles of the merchants and consumers, but also cause disputes between the merchants and the consumers.

How to enjoy the convenience brought by credit cards and convenient multi-person payment will help to enhance the market's ability to consume, and will also increase the willingness of the people to consume.

The present invention proposes an innovative credit card sub-accounting system.

In an embodiment of the invention, a credit card sub-accounting system includes a transaction server, a card swiping device, and a card swipe action device.

The card swiping device is connected to the transaction server to provide a card swipe to pay the bill. The cardholder mobile device is connected to the transaction server and includes a billing device to provide the card reader to initiate a billing operation, and a display device to connect to the billing device to display a security mechanism serial number issued by the transaction server.

The credit card sub-accounting system of the present invention further includes at least one co-payer mobile device connected to the transaction server, wherein the co-payer mobile device includes a crediting device to provide a co-payer to join the sub-accounting operation, and an input device to Used to enter the serial number of the security control mechanism.

In an embodiment, the cardholder mobile device further includes a shake confirmation device to transmit the location signal of the cardholder mobile device to the transaction server.

In an embodiment, the co-payer mobile device further includes a shake confirmation device for transmitting the location signal of the co-payer mobile device to the transaction server for pairing with the location signal of the card-player mobile device.

In an embodiment, the cardholder mobile device further includes a selection device to select at least one co-payer.

In an embodiment, the cardholder mobile device further includes an adjustment device to adjust the payment amount of the at least one co-payer.

In an embodiment, the co-payer mobile device further includes a payment platform connection device for connecting the transaction server to confirm the payment for the sub-ledger operation through a security control mechanism.

In an embodiment, the input device further comprises a keyboard, a fingerprint reader or an iris recognizer.

In summary, the credit card sub-accounting system disclosed in the present invention can facilitate the user to make a sub-payment payment, and by paying by the credit card of the credit card, the merchant only needs to swipe the card once to complete the payment, and the credit card holder and the co-payer It is convenient and safe to carry out the sub-ledger by means of the sub-accounting device, which not only enjoys the convenience brought by the credit card, but also facilitates multi-person co-payment, which helps to enhance the market consumption ability and at the same time increase the consumption of the people. Willingness.

In order to make the description of the present invention more complete and complete, reference is made to the accompanying drawings and the accompanying drawings. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessarily limiting the invention.

In the scope of the embodiments and claims, the description of "electrical connection" refers to a component that is indirectly electrically coupled to another component through other components, or a component that is directly electrically connected to another component without passing through other components. One component.

In the scope of the embodiments and patent applications, unless the context specifically dictates the articles, "a" and "the" may mean a single or plural. The numbers used in the steps are merely used to indicate steps for explanation, and are not intended to limit the order and the embodiments. Furthermore, the components, devices, modules, and servers used in this document may be operated in separate computer mainframes or devices, and may also operate and be integrated into one or more computer mainframes or devices. The spirit and scope of the invention are not departed from the scope of the invention.

Referring to FIG. 1 and FIG. 2, FIG. 1 is a schematic diagram of a credit card sub-accounting system 100 according to an embodiment of the present invention, and FIG. 2 is a flow chart showing a method for implementing the credit card sub-accounting system.

Referring also to Figures 1 and 2, when a group of consumers completes a meal at a place, such as a dinner at a restaurant, they want to check out. First, proceeding to step 210, by a card reader, it may be via a referral or voluntary generation, using the card swiping device 110 to perform a credit card 140 credit card swipe.

In step 220, the card reader activates the accounting device 122, which may be a module installed in a cardholder mobile device 120, or an application, or a firmware, without departing from the spirit of the present invention. With scope. After startup, the accounting device 122 initiates a sub-accounting operation, which will use the network to connect to a transaction server 150, and the transaction server 150 will confirm whether the card-swapper has swiped to confirm the existence of the transaction, see step 230.

Step 240, after the transaction server 150 confirms that the card swipe operator does have a card swipe transaction, the transaction server 150 issues a security control mechanism number to the card issuer's accounting device 122.

Then, in steps 250 and 260, the co-payer activates the sub-accounting device 162 of the co-payer mobile device 160, and the co-payer inputs the aforementioned security control mechanism serial number via the input device 168. The co-payer initiates the sub-accounting device 162 of the co-payer mobile device 160, and is not limited to being activated after the transaction server 150 issues the security control mechanism number to the credit card user's accounting device 122, which may also be The transaction server 150 initiates the security control mechanism number to the card reader's accounting device 122, without departing from the spirit and scope of the present invention.

Referring to step 270, the shake confirmation device 124 of the cardholder mobile device 120 and the shake confirmation device 164 of the co-payer mobile device 160 perform the confirmation function of the mobile phone shake. In other words, when the shake confirmation device 124 of the cardholder mobile device 120 and the shake confirmation device 164 of the co-payer mobile device 160 simultaneously shake, the persons can simultaneously shake the cardholder mobile device 120 within a predetermined distance. And the co-payer mobile device 160 causes the transaction server 150 to perform further pairing and identification. For example, the aforementioned preset distance may be about 0 meters to 50 meters, but the invention is not limited thereto.

Specifically, when the cardholder mobile device 120 senses the shaking, the shake confirmation device 164 transmits the location signal to the transaction server 150, and when the transaction server 150 synchronously receives the shake of the co-payer mobile device 160. When the information such as the location signal transmitted by the device 164 is confirmed, and the distance between the geographic location of the cardholder mobile device 120 and the co-payer mobile device 160 is less than the preset distance, the transaction server 150 determines that the user is to participate. The staff of this sub-ledger. However, the credit card sub-accounting system 100 of the present invention is not limited thereto, and may be confirmed by other means. For example, the person participating in the sub-accounting may be confirmed via the aforementioned security control mechanism number, or further, using two The sub-password or serial number is confirmed in a manner that does not depart from the spirit and scope of the present invention.

Referring to step 280, the list is displayed. After the transaction server 150 confirms the person who wants to participate in the sub-ledger, the related information, for example, a co-payer list, is transmitted to the display device 126 of the card-sweeper mobile device 120, or may be further The location is simultaneously transmitted to the display device 166 of the co-payer mobile device 160.

In step 290, the co-payer is selected, and the card-sender selects the co-payer on the display device 126 by the selecting device 128 to exclude other persons who do not need to pay, thereby avoiding the situation of causing the sub-account error.

At this time, the card reader can also adjust the amount or proportion of the amount of money that each co-payer needs to share by the adjustment device 130 to adjust according to the actual sharing situation. Preferably, the co-payer can also see changes in the amount or ratio on the display device 166.

After confirming the amount and personnel of the sharing, in step 300, the co-payer connects to the payment platform of the transaction server 150 by using the payment platform connection device 170 to select a respective payment method, which may include payment for security using the security control mechanism. For example, a one-time password (OTP) security mechanism, which can provide a one-time password device or short message, and input through the co-payer's input device 168 to confirm the consent to the sub-ledger operation. The security control mechanism can also include an online security mechanism, such as security devices or software for instant transmission over the network. With the security mechanism, co-payers can ensure that the payment process is secure and is done with the consent of the payer to avoid fraudulent behaviors such as fraud. The input device 168 can include a keyboard, a fingerprint reader, and/or an iris recognizer without departing from the spirit and scope of the present invention.

Then, in step 310, a list of co-payers who have agreed to pay is displayed, which may further display a list of co-payers who have not agreed to pay. For example, due to the security control mechanism, the co-payer cannot make a payment through security confirmation. At this time, the cardholder can use other channels to collect money, such as cash payment or using a bank card for transfer.

In summary, the credit card sub-accounting system disclosed in the present invention can facilitate the user to make a sub-payment payment, and by paying by the credit card of the credit card, the merchant only needs to swipe the card once to complete the payment, and the credit card holder and the co-payment. The sub-accounting device can conveniently and securely perform the sub-ledgers, not only enjoying the convenience brought by the credit card, but also facilitating multi-person co-payment, which helps to enhance the market consumption ability and at the same time increase the public. Willingness to consume.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and the present invention can be modified and modified without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood.

100‧‧‧ Credit card accounting system

110‧‧‧Swipe device

120‧‧‧Swipe card mobile device

122‧‧‧Sub-accounting device

124‧‧‧Shake the confirmation device

126‧‧‧ display device

128‧‧‧Selection device

130‧‧‧Adjustment device

140‧‧‧ credit card

150‧‧‧Transaction server

160‧‧‧Co-payer mobile equipment

162‧‧‧ sub-accounting device

164‧‧‧Shake the confirmation device

166‧‧‧ display device

168‧‧‧ input device

70‧‧‧Payment platform connection device

210~310‧‧‧Steps

The above and other objects, features, advantages and embodiments of the present invention will become more <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; 2 is a flow chart showing a method for implementing a credit card sub-accounting system according to another aspect of the present invention.

Claims (7)

A credit card sub-accounting system, comprising: a transaction server; a card swiping device connected to the transaction server to provide a card swipeper to pay the bill; a card swipeper mobile device connected to the transaction server, the card swipe action device Included: a sub-diving device to provide the card-swapper to initiate a sub-ledger operation; and a display device connected to the sub-dividing device to display a security control mechanism serial number issued by the transaction server; and at least one co-payment Mobile device, connected to the transaction server, wherein the at least one co-payer mobile device comprises: a crediting device to provide a co-payer to join the sub-accounting operation; and an input device for inputting the security control a mechanism serial number, wherein the card reader mobile device further includes a shake confirmation device to transmit a location signal of the cardholder mobile device to the transaction server, and the at least one co-payer mobile device further includes a shake confirmation Means for transmitting a location signal of the at least one co-payer mobile device to the transaction server, and the credit card mobile device The position of the signal pair. The credit card debiting system of claim 1, wherein the credit card mobile device further comprises a selection device to select at least one co-payer. The credit card sub-accounting system of claim 2, wherein the card swipeper mobile device further comprises an adjusting device to adjust the payment amount of the at least one co-payer. The credit card sub-accounting system of claim 3, wherein the at least one co-payer mobile device further comprises a payment platform connecting means for connecting to the transaction server to confirm the payment of the sub-accounting operation through a security control mechanism. The credit card sub-accounting system of claim 4, wherein the input device further comprises a keyboard. The credit card sub-accounting system of claim 5, wherein the input device further comprises a fingerprint reader. The credit card sub-accounting system of claim 5, wherein the input device further comprises an iris recognizer.