TWI648686B - Payment system and payment method - Google Patents

Abstract

The invention provides a payment system and a payment method. The payment system includes a cloud server, a first electronic device, a second electronic device, and a third electronic device. The first electronic device inputs, in the cloud server, a payment account field corresponding to the identification code, a payment amount field, and a plurality of customer information fields. The cloud server displays the payment account field, the payment amount field and the customer information field, and receives the account corresponding to the payment account field, the amount corresponding to the payment amount field, and the corresponding customer information column from the second electronic device. Multiple customer information. The second electronic device performs a payment operation to transfer the amount to the account number. The third electronic device logs in to the cloud server with the identification code to access the account number, the amount, and the customer information.

Description

Payment system and payment method

The invention relates to a payment system and a payment method, and in particular to a payment system and a payment method for a store to query the details of the customized transaction after the payment of the consumer is completed.

The current online shopping is quite popular, so most consumers use the Internet to pay. However, after the store receives the payment, the consumer is required to provide the last four or five yards of the account number to confirm the contributor, and the consumer is required to provide other information (for example, the item delivery address at the time of purchase, and the date of accommodation for the reservation) Wait for information) to complete the transaction. This caused trouble for both the consumer and the store. Therefore, how to establish a more efficient and convenient payment system is a goal that those skilled in the art should devote.

In view of this, the present invention provides a payment system and a payment method, which can customize the information required by the store and ask the consumer to fill in the payment before the payment, so as to increase the convenience of the store to obtain consumer information.

The invention provides a payment system, comprising a cloud server, a first electronic device, a second electronic device and a third electronic device. The first electronic device is coupled to the cloud server. The second electronic device is coupled to the cloud server. The third electronic device is coupled to the cloud server. The first electronic device inputs, in the cloud server, a payment account field corresponding to the identification code, a payment amount field, and a plurality of customer information fields. The cloud server displays the payment account field, the payment amount field and the customer information field, and receives the account corresponding to the payment account field, the amount corresponding to the payment amount field, and the corresponding customer information column from the second electronic device. Multiple customer information. The second electronic device performs a payment operation to transfer the amount to the account number. The third electronic device logs in to the cloud server with the identification code to access the account number, the amount, and the customer information.

In an embodiment of the invention, the first electronic device inputs a plurality of field titles of the customer information field, and selects a plurality of field categories of the customer information field.

In an embodiment of the invention, the cloud server displays the field title and receives customer information by the category of the field.

In an embodiment of the invention, the field categories include a calendar, a drop down menu, a string, and an integer.

In an embodiment of the invention, the account number includes a mobile phone number.

The invention provides a payment method suitable for a cloud server, a first electronic device, a second electronic device and a third electronic device. The first electronic device is coupled to the cloud server. The second electronic device is coupled to the cloud server. The third electronic device is coupled to the cloud server. The payment method includes inputting a payment account field corresponding to the identification code, a payment amount field, and a plurality of customer information fields by the first electronic device on the cloud server. The payment method further includes displaying, by the cloud server, the payment account field, the payment amount field and the customer information field, and receiving the account corresponding to the payment account field and the corresponding payment amount field from the second electronic device. Amount and multiple customer information corresponding to the customer information field. The above payment method further includes performing a payment operation by the second electronic device to transfer the amount to the account number. The payment method further includes accessing the cloud server by using the third electronic device to access the account, the amount, and the customer information.

In an embodiment of the invention, the first electronic device inputs a plurality of field titles of the customer information field, and selects a plurality of field categories of the customer information field.

In an embodiment of the invention, the cloud server displays the field title and receives customer information by the category of the field.

In an embodiment of the invention, the field categories include a calendar, a drop down menu, a string, and an integer.

In an embodiment of the invention, the account number includes a mobile phone number.

Based on the above, the present invention provides a payment system and a payment method, which allows a bank member to input a customized customer information field by the first electronic device, so that the consumer can input the second electronic device before the network payment. The customer information in the customer information field is then used to perform the network payment operation using the second electronic device. After the consumer completes the payment, the store can use the third electronic device to connect to the cloud server to confirm the customer's payment status and the customized customer information required by the store. This can reduce the inconvenience caused by customers asking for customer information through the store after paying the Internet.

The above described features and advantages of the invention will be apparent from the following description.

1 is a block diagram of a payment system in accordance with an embodiment of the present invention.

Referring to FIG. 1 , the payment system 100 of the present invention includes a cloud server 110 , a first electronic device 111 , a second electronic device 112 , and a third electronic device 113 . The first electronic device 111, the second electronic device 112, and the third electronic device 113 can be coupled to the cloud server 110 through a wireless or wired network connection. The first electronic device 111, the second electronic device 112, and the third electronic device 113 may be devices such as a smart phone, a tablet computer, a notebook computer, a personal computer, and the like, and may execute one or more applications to interact with the cloud server 110. Communicate.

The cloud server 110, the first electronic device 111, the second electronic device 112, and the third electronic device 113 may all include a communication chip (not shown), a storage device (not shown), and a processor (not shown). Not shown in the figure).

The communication chip can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, and broadband code division. Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi) The component of the system or Bluetooth signal transmission.

The storage device can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, hard disk ( Hard Disk Drive (HDD), solid state drive (SSD) or similar components or a combination of the above.

The processor can be a Central Processing Unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), and can be programmed. Controller, Application Specific Integrated Circuit (ASIC) or other similar components or a combination of the above.

2 is a flow chart of a method applied to a payment system in accordance with an embodiment of the present invention. 3 is a schematic diagram of a bank-side setting platform of a payment system according to an embodiment of the present invention. 4 is a schematic diagram of a consumer input platform of a payment system in accordance with an embodiment of the present invention. FIG. 5 is a schematic diagram of a store inquiry platform of a payment system according to an embodiment of the invention.

Referring to FIG. 2, in step S201, the first electronic device 111 inputs, in the cloud server 110, a payment account field corresponding to the identification code, a payment amount field, and a plurality of customer information fields. For example, in FIG. 3, the bank clerk can operate the first electronic device 111 to input the customer information field 310 required by the store on the bank setting platform 300 provided by the cloud server 110, wherein each customer information field 310 Includes field title and field category. Bank staff can enter texts such as "Accommodation Day", "Select Room Type", "Remarks" in the field title, and select the field category corresponding to these titles. For example, select a small calendar to correspond to "Accommodation Day", select the drop-down menu to correspond to "Select Room Type", and select a string to correspond to "Remarks". Although the payment account field 320 and the payment amount field 330 in this example are preset displayed above the customer information field 310, the payment account field 320 and the payment amount field 330 may also be used by bank members. Enter it yourself. The minimum length and maximum length can also be included in each field, and the minimum length of the consumer fill field can be set to be greater than zero.

It is worth noting that the bank setting platform 300 is a setting platform corresponding to a specific store (for example, Shuilu Green B&B), and the bank clerk can input the identification code 340 (for example, xxxxxxxx-xxx) of the specific store to enter this. The platform helps the store to set up the information fields needed by the store.

In step S203, the cloud server 110 displays the payment account field, the payment amount field and the customer information field, and receives the account corresponding to the payment account field and the corresponding payment amount field from the second electronic device 112. Amount and multiple customer information corresponding to the customer information field. For example, before the consumer wants to make a payment, the consumer input platform 400 displays the payment account field 410, the payment amount field 420, and the customer information field 430, and allows the consumer to utilize the second electronic device 112. Enter the account number, amount and customer information (for example, accommodation date, room type, remarks) corresponding to the above fields.

It is worth noting that the "sales account number" (ie, the payment account number) in the payment account field 410 can be a virtual account number, and the composition rules can be determined by the store owner, for example, the sales account number is set as the consumer mobile phone number. 411 and the combination of the store's code 412 on the bank side.

In step S205, the second electronic device 112 performs a payment operation to transfer the amount to the account number. Specifically, after the consumer completes the input, the transfer can be made.

In step S207, the third electronic device 113 logs in to the cloud server 110 with the identification code to access the account number, the amount, and the customer information. For example, regardless of whether the consumer's payment is successful or the payment fails, the store owner can use the third electronic device 113 to log in to the store inquiry platform 500 with the store's identification code 340 or the account password corresponding to the identification code 340. In this platform, the store can clearly know the consumer's payment account (ie, the sales account number), the payment amount and other customer information (for example, accommodation date, room type, remarks).

In summary, the present invention provides a payment system and payment method, which allows a bank member to input a customized customer information field by using a first electronic device, so that the consumer can use the second electronic before the network payment. The device inputs the customer information in the customer information field, and then uses the second electronic device to perform the network payment operation. After the consumer completes the payment, the store can use the third electronic device to connect to the cloud server to confirm the customer's payment status and the customized customer information required by the store. This can reduce the inconvenience caused by customers asking for customer information through the store after paying the Internet.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and any one of ordinary skill in the art can make some changes and refinements without departing from the spirit and scope of the present invention. The scope of the invention is defined by the scope of the appended claims.

100‧‧‧ payment system

110‧‧‧Cloud Server

111‧‧‧First electronic device

112‧‧‧Second electronic device

113‧‧‧ Third electronic device

S201, S203, S205, S207‧‧‧ steps of the method applied to the payment system

300‧‧‧Bank-side setting platform

310‧‧‧Customer Information Field

320‧‧‧payment account field

330‧‧‧payment amount field

340‧‧‧ID

400‧‧‧ Consumer input platform

410‧‧‧payment account field

411‧‧‧Mobile number

412‧‧‧ code

420‧‧‧ contribution amount field

430‧‧‧Customer Information Field

500‧‧‧Store Query Platform

1 is a block diagram of a payment system in accordance with an embodiment of the present invention. 2 is a flow chart of a method applied to a payment system in accordance with an embodiment of the present invention. 3 is a schematic diagram of a bank-side setting platform of a payment system according to an embodiment of the present invention. 4 is a schematic diagram of a consumer input platform of a payment system in accordance with an embodiment of the present invention. FIG. 5 is a schematic diagram of a store inquiry platform of a payment system according to an embodiment of the invention.

Claims (6)

A payment system, comprising: a cloud server; a line of electronic devices connected to the cloud server; a client electronic device coupled to the cloud server; and a storefront electronic device coupled to the a cloud server, wherein the mobile terminal electronic device inputs a payment account field corresponding to an identification code, a payment amount field and a plurality of customer information fields, and the cloud server displays the payment The account field, the payment amount field and the customer information fields, and receive an account corresponding to the payment account field from the client electronic device, an amount corresponding to the payment amount field, and corresponding a plurality of customer information of the customer information field, wherein the customer information includes an accommodation date, a room type and a note, the client electronic device performs a payment operation to transfer the amount to the account, the store-side electronic device Logging in to the cloud server with the identifier to access the account, the amount and the customer information, wherein the outlet electronic device inputs multiple columns of the customer information fields Title, some customer information and select the fields of multiple fields categories, the cloud server to display the column heading and some of these fields by the category receiving the plurality of client information. The payment system of claim 1, wherein the field categories include a calendar, a pull-down menu, a string, and an integer. For example, the payment system described in claim 1 wherein the account number includes a mobile phone number. A payment method is applicable to a cloud server, a row of terminal electronic devices, a client electronic device, and a store-side electronic device. The pedestrian electronic device is coupled to the cloud server, and the client electronic device is coupled to the cloud server. The cloud server, the store-side electronic device is coupled to the cloud server, and the payment method comprises: inputting, by the merchant electronic device, a payment account field corresponding to an identification code in the cloud server, and paying a payment amount field and a plurality of customer information fields; the cloud server displays the payment account field, the payment amount field and the customer information fields, and receives corresponding information from the client electronic device An account number in the payment account field, an amount corresponding to the payment amount field, and a plurality of customer information corresponding to the customer information fields, wherein the customer information includes an accommodation date, a room type and a remark; Performing a payment operation by the client electronic device to transfer the amount to the account; and accessing the cloud server by using the identification code to access the cloud server Number, the amount and the customer information, wherein the outlet electronic device inputs a plurality of field titles of the customer information fields, and selects a plurality of field categories of the customer information fields, wherein the cloud server Display the column titles and connect by the field categories Receive some customer information. The payment method of claim 4, wherein the field categories include a calendar, a pull-down menu, a string, and an integer. The payment method of claim 4, wherein the account number includes a mobile phone number.