TWI649704B - Payment integration method and server for integrated payment - Google Patents

Payment integration method and server for integrated payment Download PDF

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TWI649704B
TWI649704B TW106127024A TW106127024A TWI649704B TW I649704 B TWI649704 B TW I649704B TW 106127024 A TW106127024 A TW 106127024A TW 106127024 A TW106127024 A TW 106127024A TW I649704 B TWI649704 B TW I649704B
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payment
server
target
amount
terminal
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TW201911160A (en
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齊彥喆
謝坤宏
簡維德
廖堉惠
杜長城
徐崇寶
劉真佩
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中國信託商業銀行股份有限公司
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Abstract

一種支付整合方法,藉由一經由一通訊網路與一銷售端及多個支付端連接的伺服端來實施,該伺服端可運行於多個分別對應於不同支付端的支付模式,該方法包含以下步驟:(A)該伺服端根據所接收之交易資料中的一付款憑證之支付識別碼識別出一目標支付端;(B)該伺服端根據所識別出的該目標支付端,運行於一對應於該目標支付端的目標支付模式;(C)當該伺服端運行於該目標支付模式時,該伺服端傳送該交易資料至該目標支付端,以致該目標支付端進行支付;及(D)當該伺服端接收到一支付結果資料時,該伺服端將該支付結果資料傳送至該銷售端。A payment integration method is implemented by a server connected to a sales terminal and a plurality of payment terminals via a communication network, and the server can run on a plurality of payment modes respectively corresponding to different payment terminals, and the method comprises the following steps : (A) the server identifies a target payment terminal according to the payment identification code of a payment voucher in the received transaction data; (B) the server operates according to the identified target payment terminal, corresponding to a target payment mode of the target payment end; (C) when the server runs in the target payment mode, the server transmits the transaction data to the target payment terminal, so that the target payment terminal performs payment; and (D) when When the server receives a payment result data, the server transmits the payment result data to the sales terminal.

Description

支付整合方法及用於整合支付的伺服端Payment integration method and server for integrated payment

本發明是有關於一種支付方法,特別是指一種用於整合支付的支付整合方法及伺服端。The present invention relates to a payment method, and more particularly to a payment integration method and a server for integrating payment.

行動支付是指使用行動裝置進行付款的服務。消費者可使用行動裝置支付各項服務或數位及實體商品的費用。雖然使用非實體貨幣系統的概念已存在許久,但支援此系統的科技直到近期才開始普及。Mobile payment refers to the service of using mobile devices for payment. Consumers can use mobile devices to pay for services or digital and physical goods. Although the concept of using a non-physical currency system has existed for a long time, the technology that supports this system has only recently become popular.

現今有眾多業者紛紛投入行動支付的行列,但實務上卻有推行不易的現象,行動支付難以普及的主要原因為銷售業者和支付業者間在進行支付時並無統一的規範,詳言之,每一行動支付業者各自投入成本自行開發其獨有的支付系統,不同業者所開發出之支付系統用來串接訊息及執行支付流程的方式均不相同,銷售端如要接受消費者以行動支付方式付款,需逐一與各行動支付業者所開發出的支付系統進行系統整合及雙方對測,然而,此舉將大量消耗銷售業者及行動支付業者的人力及物力,故實有必要提出一解決方案。Nowadays, there are many operators who have invested in the payment process. However, in practice, there is a phenomenon that is difficult to implement. The main reason why mobile payment is difficult to spread is that there is no uniform standard for the payment between the seller and the payment provider. In detail, each An action payment provider develops its own unique payment system by itself. The payment system developed by different operators is used to connect messages and execute payment processes in different ways. The sales terminal should accept consumers' mobile payment methods. Payments need to be systematically integrated with the payment systems developed by the various mobile payment providers and the two parties will test each other. However, this will consume a lot of manpower and material resources for the sellers and mobile payment operators. Therefore, it is necessary to propose a solution.

因此,本發明的一目的,即在提供一種讓銷售業者所開發出之銷售端用統一的規範即可與多個分別由多個不同行動支付業者開發出的支付端進行支付程序的支付整合方法。Therefore, an object of the present invention is to provide a payment integration method for a payment program that can be developed by a plurality of different mobile payment providers by using a unified specification for the sales terminal developed by the seller. .

於是,本發明支付整合方法,藉由一伺服端來實施,該伺服端經由一通訊網路與一銷售端及多個不同的支付端連接,且該伺服端可運行於多個分別對應於不同支付端的支付模式,該支付整合方法包含以下步驟:Therefore, the payment integration method of the present invention is implemented by a server, the server is connected to a sales terminal and a plurality of different payment terminals via a communication network, and the server can operate on a plurality of different payment respectively. The payment method of the end, the payment integration method comprises the following steps:

(A)在該伺服端接收到一包含一交易內容,以及一包括一指示出一目標支付端之支付識別碼及一付款識別碼的付款憑證的交易資料後,該伺服端根據該付款憑證之支付識別碼識別出該目標支付端;(A) after the server receives a transaction content including a transaction content and a payment certificate indicating a payment identifier of a target payment terminal and a payment identifier, the server is based on the payment certificate. The payment identification code identifies the target payment terminal;

(B) 該伺服端根據所識別出的該目標支付端,運行於一對應於該目標支付端的目標支付模式;(B) the server runs on a target payment mode corresponding to the target payment terminal according to the identified target payment terminal;

(C) 當該伺服端運行於該目標支付模式時,該伺服端傳送該交易資料至該目標支付端,以致該目標支付端進行支付;及(C) when the server runs in the target payment mode, the server transmits the transaction data to the target payment terminal, so that the target payment terminal performs payment;

(D) 當該伺服端運行於該目標支付模式,且接收到一支付結果資料時,該伺服端將該支付結果資料傳送至該銷售端。(D) When the server runs in the target payment mode and receives a payment result data, the server transmits the payment result data to the sales terminal.

本發明的另一目的,即在提供一種讓銷售業者所開發出之銷售端用統一的規範即可與多個分別由多個不同行動支付業者開發出的支付端進行支付程序的伺服端。Another object of the present invention is to provide a server for a payment program that can be developed by a payment terminal developed by a plurality of different mobile payment providers using a unified specification for the sales terminal developed by the seller.

於是,本發明伺服端,用於整合支付並經由一通訊網路與一銷售端及多個不同的支付端連接,該伺服端包含一伺服端通訊模組,及一電連接該伺服端通訊模組的伺服端處理模組。Therefore, the server of the present invention is configured to integrate payment and connect to a sales terminal and a plurality of different payment terminals via a communication network, the server includes a server communication module, and an electrical connection to the server communication module. The server processing module.

該伺服端通訊模組用於連接該通訊網路。The server communication module is used to connect to the communication network.

該伺服端處理模組,可運行於多個分別對應於不同支付端的支付模式。The server processing module can be operated on a plurality of payment modes respectively corresponding to different payment terminals.

其中,在該伺服端處理模組經由該伺服端通訊模組接收到包含一交易內容,以及一包括一指示出一目標支付端之支付識別碼及一付款識別碼的付款憑證的交易資料後,該伺服端處理模組根據該付款憑證之支付識別碼識別出該目標支付端,且該伺服端處理模組根據所識別出的該目標支付端,運行於一對應於該目標支付端的目標支付模式,當該伺服端處理模組運行於該目標支付模式時,該伺服端處理模組經由該伺服端通訊模組傳送該交易資料至該目標支付端,以致該目標支付端進行支付,當該伺服端處理模組運行於該目標支付模式時,且該伺服端處理模組經由該伺服端通訊模組接收到一支付結果資料時,該伺服端處理模組經由該伺服端通訊模組將該支付結果資料傳送至該銷售端。After the server processing module receives the transaction content via the server communication module, and includes a transaction data indicating a payment identifier of the target payment terminal and a payment identifier, The server processing module identifies the target payment terminal according to the payment identification code of the payment voucher, and the server processing module runs on a target payment mode corresponding to the target payment terminal according to the identified target payment terminal. When the server processing module runs in the target payment mode, the server processing module transmits the transaction data to the target payment terminal via the server communication module, so that the target payment terminal performs payment, and the server When the terminal processing module runs in the target payment mode, and the server processing module receives a payment result data via the server communication module, the server processing module transmits the payment via the server communication module. The result data is transmitted to the sales side.

本發明的功效在於:藉由該伺服端根據該付款憑證之支付識別碼識別出該目標支付端,並根據所識別出的該目標支付端,運行於一對應於該目標支付端的目標支付模式,以與該目標支付端進行支付流程的溝通,藉此,因應不同的支付端,該伺服端會運行於不同的支付模式,但銷售端與伺服端間針對支付所進行的流程步驟皆是固定的,因此,對於銷售端而言,不管是要採用哪一支付端來進行支付,其皆可採取統一的規範與流程來完成支付,因而可降低銷售業者導入行動支付的難度以加速行動支付的普及與速度。The effect of the present invention is that the server identifies the target payment terminal according to the payment identification code of the payment voucher, and runs the target payment mode corresponding to the target payment terminal according to the identified target payment terminal. In order to communicate with the target payment terminal, the server will run in different payment modes according to different payment terminals, but the process steps for the payment between the sales terminal and the server are fixed. Therefore, for the sales side, no matter which payment terminal is used for payment, it can adopt a unified specification and process to complete the payment, thereby reducing the difficulty for the seller to introduce the action payment to accelerate the popularization of the action payment. With speed.

參閱圖1,一支付整合系統包含本發明伺服端1的實施例、一經由一通訊網路6與該伺服端1連接的銷售端2、一連接該銷售端2的使用端3、多個不同且皆經由一通訊網路6與該伺服端1連接的支付端4,以及多個不同且皆經由一通訊網路6與該伺服端1連接的銀行端5。Referring to FIG. 1, a payment integration system includes an embodiment of the server 1 of the present invention, a sales terminal 2 connected to the server 1 via a communication network 6, a user terminal 3 connected to the sales terminal 2, and a plurality of different The payment terminal 4 connected to the server 1 via a communication network 6 and a plurality of bank terminals 5 different from each other and connected to the server 1 via a communication network 6.

該伺服端1包含一伺服端通訊模組11,及一電連接該伺服端通訊模組11的伺服端處理模組12。該伺服端通訊模組11用於連接該通訊網路6。該伺服端處理模組12可運行於多個分別對應於不同支付端4的支付模式。在本實施例中,該等支付模式包含一第一支付模式及一第二支付模式。The server 1 includes a server communication module 11 and a server processing module 12 electrically connected to the server module 11. The server communication module 11 is used to connect to the communication network 6. The server processing module 12 can operate on a plurality of payment modes respectively corresponding to different payment terminals 4. In this embodiment, the payment modes include a first payment mode and a second payment mode.

該銷售端2包含一銷售端通訊模組21,及一電連接該銷售端通訊模組21的銷售端處理模組22。該銷售端通訊模組21用於連接該通訊網路6。在本實施例中,該銷售端2為一銷售點終端(Point of Sales,簡稱POS)並設置於一銷售業者所經營的商店中。The sales terminal 2 includes a sales terminal communication module 21 and a sales end processing module 22 electrically connected to the sales terminal communication module 21. The sales terminal communication module 21 is used to connect to the communication network 6. In this embodiment, the sales terminal 2 is a Point of Sales (POS) and is disposed in a store operated by a seller.

該使用端3由一消費者攜帶並包含一使用端通訊模組31、一使用端儲存模組32,及一電連接該使用端通訊模組31與該使用端儲存模組32的使用端處理模組33。該使用端儲存模組32儲存有一包括一指示出一目標支付端4之支付識別碼及一付款識別碼的付款憑證,該付款憑證由對應於該目標支付端4之支付業者所提供。在本實施例中,該使用端3經由該通訊網路6與該銷售端2連接,而該使用端通訊模組31用於連接該通訊網路6。然而,在本發明的其他實施例中,該使用端3亦可經由一無線網路、一藍牙通訊及一近場通訊之其中一者與該銷售端2連接,而該使用端通訊模組31及該銷售端通訊模組21因應不同的通訊方式來連接一無線網路、支援該藍牙通訊或支援該近場通訊。又或者,該使用端3與該銷售端2間係透過光波或聲波的方式來進行資料的傳輸。在利用光波進行資料傳輸的情境下,當該使用端3欲傳送該付款憑證至該銷售端2時,該使用端3可呈現一包含該付款憑證的條碼如,QR code給該銷售端2掃描,以使該銷售端2獲得該付款憑證。在利用聲波進行資料傳輸的情境下,當該使用端3欲傳送該付款憑證至該銷售端2時,該使用端3可將該付款憑證進行音訊編碼後,發出一包含該付款憑證之經編碼的音訊,以使該銷售端2根據該音訊獲得該付款憑證。The user terminal 3 is carried by a consumer and includes a user terminal communication module 31, a user terminal storage module 32, and an electrical connection between the user terminal communication module 31 and the user terminal storage module 32. Module 33. The usage end storage module 32 stores a payment voucher including a payment identification code indicating a target payment terminal 4 and a payment identification code, the payment voucher being provided by a payment provider corresponding to the target payment terminal 4. In this embodiment, the user terminal 3 is connected to the sales terminal 2 via the communication network 6, and the user terminal communication module 31 is used to connect to the communication network 6. However, in other embodiments of the present invention, the user terminal 3 can also be connected to the sales terminal 2 via one of a wireless network, a Bluetooth communication, and a near field communication, and the user terminal 31 is used. The sales terminal communication module 21 connects to a wireless network, supports the Bluetooth communication, or supports the near field communication according to different communication methods. Alternatively, the user terminal 3 and the sales terminal 2 transmit data by means of light waves or sound waves. In the context of data transmission using optical waves, when the user terminal 3 wants to transmit the payment certificate to the sales terminal 2, the user terminal 3 can present a barcode including the payment certificate, for example, QR code is scanned for the sales terminal 2. So that the sales terminal 2 obtains the payment voucher. In the context of data transmission using sound waves, when the user terminal 3 wants to transmit the payment certificate to the sales terminal 2, the user terminal 3 can audio code the payment certificate and issue an encoded code including the payment certificate. The audio message is such that the sales terminal 2 obtains the payment voucher based on the audio.

每一支付端4包含一支付端通訊模組41、一支付端儲存模組42,及一電連接該支付端通訊模組41與該支付端儲存模組42的支付端處理模組43。每一支付端通訊模組41用於連接該通訊網路6,每一支付端儲存模組42儲存有一對應的付款查找表,該付款查找表包含多個付款識別碼及多筆分別對應該等付款識別碼的付款資訊,每筆付款資訊包含一信用卡號、一金融帳號或一付款代碼。在本實施例中,對應於該第二支付模式的支付端4還經由該通訊網路6與該等銀行端5連接。Each payment terminal 4 includes a payment terminal communication module 41, a payment terminal storage module 42, and a payment terminal processing module 43 electrically connected to the payment terminal communication module 41 and the payment terminal storage module 42. Each payment end communication module 41 is configured to connect to the communication network 6. Each payment end storage module 42 stores a corresponding payment lookup table, and the payment lookup table includes multiple payment identification codes and multiple corresponding payment The payment information of the identification code, each payment information includes a credit card number, a financial account number or a payment code. In this embodiment, the payment terminal 4 corresponding to the second payment mode is also connected to the bank terminals 5 via the communication network 6.

每一銀行端5包含一銀行端通訊模組51,及一電連接該銀行端通訊模組51的銀行端處理模組52。每一銀行端通訊模組51用於連接該通訊網路6。Each bank terminal 5 includes a bank terminal communication module 51 and a bank terminal processing module 52 electrically connected to the bank terminal communication module 51. Each bank terminal communication module 51 is used to connect to the communication network 6.

以下將配合本發明支付整合方法之實施例來說明該伺服端1、該銷售端2、該使用端3、該等支付端4及該等銀行端5各元件間之作動。本實施例依序包含有一支付程序、一請付程序、及一取消支付程序。The operation of the server 1, the sales terminal 2, the user terminal 3, the payment terminals 4, and the components of the bank terminals 5 will be described below in conjunction with the embodiment of the payment integration method of the present invention. The embodiment includes a payment program, a payment program, and a cancellation payment program.

參閱圖1與圖2,該支付整合系統實施本發明支付整合方法之支付程序,並包含下列步驟。Referring to Figures 1 and 2, the payment integration system implements the payment program of the payment integration method of the present invention and includes the following steps.

在步驟701中,該使用端處理模組33經由該使用端通訊模組31傳送包括指示出該目標支付端4之支付識別碼及該付款識別碼的該付款憑證至該銷售端2。In step 701, the user processing module 33 transmits, via the user terminal communication module 31, the payment certificate including the payment identification code of the target payment terminal 4 and the payment identification code to the sales terminal 2.

在步驟702中,在該銷售端處理模組22經由該銷售端通訊模組21接收到來自該使用端3的付款憑證後,該銷售端處理模組22傳送一包含一交易內容,及該付款憑證的交易資料至該伺服端1。在本實施例中,該交易內容包含一交易金額、一相關於該銷售端2的收款帳號,及至少一交易品項。值得一提的是,在本實施例中,該收款帳號是一可直接指示出該銷售端2之收款帳戶資訊的帳號,然而,在本發明的其他實施例中,該收款帳號亦可為一可供該伺服端1、該等支付端4及該等銀行端5辨認的銷售端識別碼,該伺服端1、該等支付端4及該等銀行端5可根據該銷售端識別碼,獲得一預存且對應於該銷售端識別碼的收款帳戶資訊。亦即,在建置該伺服端1、該等支付端4及該等銀行端5時,即先設定好該銷售端識別碼所對應的收款帳戶資訊。In step 702, after the sales processing module 22 receives the payment certificate from the user terminal 3 via the sales terminal communication module 21, the sales terminal processing module 22 transmits a transaction content, and the payment The transaction data of the voucher is sent to the server 1. In this embodiment, the transaction content includes a transaction amount, a collection account number associated with the sales terminal 2, and at least one transaction item. It is worth mentioning that, in this embodiment, the payment account number is an account number that directly indicates the payment account information of the sales terminal 2, however, in other embodiments of the present invention, the payment account number is also It can be a sales end identification code that can be recognized by the server 1, the payment terminal 4 and the bank terminal 5. The server 1, the payment terminal 4 and the bank 5 can be identified according to the sales terminal. The code obtains a prepaid deposit account information corresponding to the sales end identification code. That is, when the server 1, the payment terminal 4, and the bank terminals 5 are built, the payment account information corresponding to the sales terminal identification code is set first.

在步驟703中,在該伺服端處理模組12經由該伺服端通訊模組11接收到該交易資料後,該伺服端處理模組12根據該付款憑證之支付識別碼從該等支付端4中識別出該目標支付端4。In step 703, after the server processing module 12 receives the transaction data via the server communication module 11, the server processing module 12 receives the payment identification code from the payment terminal 4 according to the payment certificate. The target payment terminal 4 is identified.

在步驟704中,該伺服端處理模組12根據所識別出的該目標支付端4,運行於一對應於該目標支付端4的目標支付模式。In step 704, the server processing module 12 operates on a target payment mode corresponding to the target payment terminal 4 according to the identified target payment terminal 4.

由於該伺服端處理模組12可運行的支付模式包含一第一支付模式及一第二支付模式,以下將分別說明此兩種支付模式的細部流程。Since the payment mode that the server processing module 12 can run includes a first payment mode and a second payment mode, the detailed flow of the two payment modes will be separately described below.

參閱圖1與圖3,首先說明該第一支付模式,若該伺服端1所運行的該目標支付模式為該第一支付模式時,則包含以下步驟。Referring to FIG. 1 and FIG. 3, the first payment mode is first described. If the target payment mode operated by the server 1 is the first payment mode, the following steps are included.

在步驟705中,當該伺服端處理模組12運行於該第一支付模式時,該伺服端處理模組12計算一支付優惠,並將該支付優惠加入該交易資料中,且經由該伺服端通訊模組11傳送該交易資料至該目標支付端4。其中傳送至該目標支付端4的該交易資料不僅包含該交易內容及該付款憑證,還包含該支付優惠。In step 705, when the server processing module 12 is running in the first payment mode, the server processing module 12 calculates a payment offer, and adds the payment offer to the transaction data, and via the server. The communication module 11 transmits the transaction data to the target payment terminal 4. The transaction data transmitted to the target payment terminal 4 includes not only the transaction content and the payment certificate, but also the payment offer.

在步驟706中,在該目標支付端處理模組43經由該目標支付端通訊模組41接收到該交易資料後,該目標支付端處理模組43根據該交易資料的支付優惠計算一支付優惠金額,並根據該交易資料及該支付優惠金額產生一包含該支付優惠金額、一支付金額、該收款帳號及一對應於該付款識別碼之付款資訊的支付資料,並經由該目標支付端通訊模組41傳送該支付資料至該伺服端1。值得特別說明的是,在本實施例中,該支付優惠例如為一折抵點數,而該支付優惠金額為藉由將該支付優惠乘上一相關於現金與點數之換算比例的預設值而計算出,該目標支付端處理模組43所產生的該支付金額為藉由將該交易內容中的交易金額減去該支付優惠金額而計算出,此外,該目標支付端處理模組43根據該交易資料中之付款憑證的付款識別碼及儲存於該目標支付端儲存模組42的付款查找表,來獲得對應於該付款憑證之付款識別碼的該付款資訊。然而,在本發明的其他實施例中,該支付優惠例如為一折扣率,而該目標支付端處理模組43不僅根據該支付優惠,還根據該交易金額來計算出該支付優惠金額,例如藉由將該交易金額乘上該折扣率以計算出該支付優惠金額,但不限於此。In step 706, after the target payment terminal processing module 43 receives the transaction data via the target payment terminal communication module 41, the target payment terminal processing module 43 calculates a payment preferential amount according to the payment preference of the transaction data. And generating, according to the transaction information and the payment preferential amount, a payment data including the payment preferential amount, a payment amount, the payment account number, and a payment information corresponding to the payment identification code, and using the target payment terminal communication mode The group 41 transmits the payment data to the server 1. It should be particularly noted that, in this embodiment, the payment offer is, for example, a discount point, and the payment discount amount is a preset by multiplying the payment offer by a conversion ratio related to cash and points. And calculating, the payment amount generated by the target payment terminal processing module 43 is calculated by subtracting the payment preferential amount from the transaction amount in the transaction content, and further, the target payment terminal processing module 43 The payment information corresponding to the payment identification code of the payment voucher is obtained according to the payment identification code of the payment voucher in the transaction data and the payment lookup table stored in the target payment end storage module 42. However, in other embodiments of the present invention, the payment offer is, for example, a discount rate, and the target payment end processing module 43 calculates the payment preferential amount based on the transaction amount, not only according to the payment offer, for example, The payment amount is multiplied by the discount rate to calculate the payment benefit amount, but is not limited thereto.

在步驟707中,在該伺服端處理模組12經由該伺服端通訊模組11接收到來自該目標支付端4的支付資料後,該伺服端處理模組12經由該伺服端通訊模組11傳送一包含該支付優惠金額、該支付金額、該收款帳號及該付款資訊的支付請求至一對應該付款資訊的目標銀行端5。In step 707, after the server processing module 12 receives the payment data from the target payment terminal 4 via the server communication module 11, the server processing module 12 transmits the data through the server communication module 11. A payment request including the payment offer amount, the payment amount, the payment account number, and the payment information to a target bank terminal 5 that should pay the payment information.

在步驟708中,在該目標銀行端處理模組52經由該目標銀行端通訊模組51接收到該支付請求後,該目標銀行端處理模組52回應於該支付請求計算一銀行優惠金額,並將該支付請求的支付金額減去該銀行優惠金額以計算出一實付金額,並以該實付金額進行交易,且產生一包含該支付優惠金額、該銀行優惠金額及該實付金額的支付結果資料並經由該目標銀行端通訊模組51傳送該支付結果資料至該伺服端1。In step 708, after the target bank-side processing module 52 receives the payment request via the target bank-side communication module 51, the target bank-side processing module 52 calculates a bank preferential amount in response to the payment request, and Deducting the payment amount of the payment request from the bank preferential amount to calculate a real payment amount, and performing the transaction with the actual payment amount, and generating a payment including the payment preferential amount, the bank preferential amount and the actual payment amount The result data is transmitted to the server 1 via the target bank terminal communication module 51.

在步驟709中,當該伺服端處理模組12運行於該第一支付模式,且經由該伺服端通訊模組11接收到來自該目標銀行端5的該支付結果資料時,該伺服端處理模組12經由該伺服端通訊模組11將該支付結果資料傳送至該銷售端2及該目標支付端4。在本實施例中,該支付結果資料會被傳送至該銷售端2及該目標支付端4,然而,在本發明之其他實施例中,該支付結果資料亦可僅被傳送至該銷售端2,並不限於此。In step 709, when the server processing module 12 is operating in the first payment mode, and the payment result data from the target bank terminal 5 is received via the server communication module 11, the server processing module The group 12 transmits the payment result data to the sales terminal 2 and the target payment terminal 4 via the server communication module 11. In this embodiment, the payment result data is transmitted to the sales terminal 2 and the target payment terminal 4. However, in other embodiments of the present invention, the payment result data may also be transmitted only to the sales terminal 2 Not limited to this.

參閱圖1與圖4,接著說明該第二支付模式,若該伺服端1所運行的該目標支付模式為該第二支付模式時,則包含以下步驟。Referring to FIG. 1 and FIG. 4, the second payment mode is further described. If the target payment mode operated by the server 1 is the second payment mode, the following steps are included.

在步驟710中,當該伺服端處理模組12運行於該第二支付模式時,該伺服端處理模組12計算一支付優惠,並將該支付優惠加入該交易資料中,且經由該伺服端通訊模組11傳送該交易資料至該目標支付端4。其中傳送至該目標支付端4的該交易資料不僅包含該交易內容及該付款憑證,還包含該支付優惠。In step 710, when the server processing module 12 is running in the second payment mode, the server processing module 12 calculates a payment offer, and adds the payment offer to the transaction data, and via the server. The communication module 11 transmits the transaction data to the target payment terminal 4. The transaction data transmitted to the target payment terminal 4 includes not only the transaction content and the payment certificate, but also the payment offer.

在步驟711中,在該目標支付端處理模組43經由該目標支付端通訊模組41接收到該交易資料後,該目標支付端處理模組43根據該交易資料的支付優惠計算一支付優惠金額,並根據該交易資料及該支付優惠金額產生一包含該支付優惠金額、一支付金額、一收款帳號及一對應於該付款識別碼之付款資訊的支付請求,並經由該目標支付端通訊模組41傳送該支付請求至一對應該付款資訊的目標銀行端5。In step 711, after the target payment terminal processing module 43 receives the transaction data via the target payment terminal communication module 41, the target payment terminal processing module 43 calculates a payment preferential amount according to the payment preference of the transaction data. And generating, according to the transaction information and the payment offer amount, a payment request including the payment discount amount, a payment amount, a receipt account number, and a payment information corresponding to the payment identifier, and using the target payment terminal communication mode Group 41 transmits the payment request to a pair of target bank 5s that should pay for the payment information.

在步驟712中,在該目標銀行端處理模組52經由該目標銀行端通訊模組51接收到該支付請求後,該目標銀行端處理模組52回應於該支付請求計算一銀行優惠金額,並將該支付請求的支付金額減去該銀行優惠金額以計算出一實付金額,並以該實付金額進行交易,且產生一包含該支付優惠金額、該銀行優惠金額及該實付金額的支付結果資料並經由該目標銀行端通訊模組51傳送該支付結果資料至該目標支付端4。In step 712, after the target bank-side processing module 52 receives the payment request via the target bank-side communication module 51, the target bank-side processing module 52 calculates a bank preferential amount in response to the payment request, and Deducting the payment amount of the payment request from the bank preferential amount to calculate a real payment amount, and performing the transaction with the actual payment amount, and generating a payment including the payment preferential amount, the bank preferential amount and the actual payment amount The result data is transmitted to the target payment terminal 4 via the target bank terminal communication module 51.

在步驟713中,在該目標支付端處理模組43經由該目標支付端通訊模組41接收到該支付結果資料後,該目標支付端處理模組43經由該目標支付端通訊模組41將該支付結果資料傳送至該伺服端1。In step 713, after the target payment terminal processing module 43 receives the payment result data via the target payment terminal communication module 41, the target payment terminal processing module 43 transmits the target payment terminal processing module 43 via the target payment terminal communication module 41. The payment result data is transmitted to the server 1.

在步驟714中,當該伺服端處理模組12運行於該第二支付模式,且經由該伺服端通訊模組11接收到來自該目標支付端4的該支付結果資料時,該伺服端處理模組12經由該伺服端通訊模組11將該支付結果資料傳送至該銷售端2。In step 714, when the server processing module 12 is operated in the second payment mode, and the payment result data from the target payment terminal 4 is received via the server communication module 11, the server processing module The group 12 transmits the payment result data to the sales terminal 2 via the server communication module 11.

值得一提的是,在本實施例中,該目標支付端4及該目標銀行端5分別有提供該支付優惠金額及該銀行優惠金額,然而,在本發明的其他實施例中,該目標支付端4及該目標銀行端5亦可皆不提供優惠金額,此時,在步驟705及步驟710中,該伺服端處理模組12即無須計算該支付優惠,在步驟706及步驟711中,該目標支付端處理模組43亦無須計算該支付優惠金額,且在步驟708及步驟712中,該目標銀行端處理模組52亦無須計算該銀行優惠金額。It is worth mentioning that, in this embodiment, the target payment terminal 4 and the target bank terminal 5 respectively provide the payment preferential amount and the bank preferential amount, however, in other embodiments of the present invention, the target payment The terminal 4 and the target bank 5 may not provide the preferential amount. In this case, in step 705 and step 710, the server processing module 12 does not need to calculate the payment offer. In step 706 and step 711, the The target payment terminal processing module 43 does not need to calculate the payment preferential amount, and in step 708 and step 712, the target bank processing module 52 does not need to calculate the bank preferential amount.

參閱圖1與圖5,該支付整合系統實施本發明支付整合方法之請付程序,並包含下列步驟。Referring to FIG. 1 and FIG. 5, the payment integration system implements the payment processing method of the payment integration method of the present invention, and includes the following steps.

在步驟715中,該伺服端處理模組12根據該支付結果資料的支付優惠金額產生一包含該支付優惠金額及相關於該銷售端2的該收款帳號的支付端請款請求,並經由該伺服端通訊模組11傳送該支付端請款請求至該目標支付端4。In step 715, the server processing module 12 generates a payment request request including the payment preferential amount and the payment account corresponding to the sales terminal 2 according to the payment preferential amount of the payment result data, and The server communication module 11 transmits the payment request for the payment to the target payment terminal 4.

在步驟716中,該伺服端處理模組12根據該支付結果資料的銀行優惠金額產生一包含該銀行優惠金額及相關於該銷售端2的該收款帳號的銀行端請款請求,並經由該伺服端通訊模組11傳送該銀行端請款請求至該目標銀行端5。In step 716, the server processing module 12 generates a bank-side payment request including the bank preferential amount and the payment account number associated with the sales terminal 2 according to the bank preferential amount of the payment result data, and The server communication module 11 transmits the bank request for the bank to the target bank 5.

值得一提的是,在另一支付行為產生後,即會重複執行該支付程序及該請付程序。此外,本發明支付整合方法之實施例還包含一清算程序,參閱圖1與圖6,該清算程序可被設定為在一固定的時間被執行,且該清算程序包含以下步驟。It is worth mentioning that after another payment act is generated, the payment process and the payment procedure are repeated. In addition, the embodiment of the payment integration method of the present invention further includes a clearing program. Referring to Figures 1 and 6, the clearing program can be set to be executed at a fixed time, and the clearing program includes the following steps.

在步驟717中,該伺服端處理模組12根據在一時間區間內所接收到的所有支付結果資料,統計每一支付端4在該時間區間內各自所提供的支付優惠金額之總和,及每一銀行端5在該時間區間內各自所提供的金融優惠金額之總和。在本實施例中,該時間區間可被設定為每日該銷售業者所經營的商店開始營業的開店時間至關店時間(亦即,營業時間)。藉由此清算程序可自動地清算每天該銷售端2與每一支付端4及每一銀行端5間款項的支付情況,以便於後續帳款的確認。In step 717, the server processing module 12 counts, based on all the payment result data received in a time interval, the sum of the payment preferential amounts provided by each payment terminal 4 in the time interval, and each The sum of the financial incentive amounts provided by the bank 5 within the time interval. In the present embodiment, the time interval may be set to the opening time to the closing time (ie, the opening hours) of the store in which the salesperson operates in the daily business. By means of this liquidation procedure, the payment of the payment between the sales terminal 2 and each payment terminal 4 and each bank terminal 5 can be automatically cleared every day, so as to facilitate the confirmation of the subsequent accounts.

參閱圖1、圖7與圖8,該支付整合系統實施本發明支付整合方法之取消支付程序,並包含下列步驟。Referring to Figures 1, 7, and 8, the payment integration system implements the cancellation payment program of the payment integration method of the present invention and includes the following steps.

在步驟718中,該銷售端處理模組22經由該銷售端通訊模組21傳送一相關於一交易資料的取消請求至該伺服端1。In step 718, the sales end processing module 22 transmits a cancellation request related to a transaction data to the server 1 via the sales terminal communication module 21.

在步驟719中,在該伺服端處理模組12經由該伺服端通訊模組11接收到該取消請求後,該伺服端處理模組12傳送一相關於該交易資料的支付取消請求至該目標支付端4。In step 719, after the server processing module 12 receives the cancellation request via the server communication module 11, the server processing module 12 transmits a payment cancellation request related to the transaction data to the target payment. End 4.

若該伺服端1所運行的該目標支付模式為該第一支付模式時,在步驟720中,該伺服端處理模組12還傳送一相關於該交易資料的交易取消請求至該目標銀行端5。If the target payment mode run by the server 1 is the first payment mode, in step 720, the server processing module 12 further transmits a transaction cancellation request related to the transaction data to the target bank 5 .

若該伺服端1所運行的該目標支付模式為該第二支付模式時,在步驟721中,在該目標支付端處理模組43經由該目標支付端通訊模組41接收到該取消請求後,該目標支付端處理模組43傳送一相關於該交易資料的交易取消請求至該目標銀行端5。If the target payment mode of the server 1 is the second payment mode, in step 721, after the target payment terminal processing module 43 receives the cancellation request via the target payment terminal communication module 41, The target payment end processing module 43 transmits a transaction cancellation request related to the transaction material to the target bank terminal 5.

綜上所述,本發明支付整合方法及用於整合支付的伺服端1,藉由該伺服端1根據該付款憑證之支付識別碼識別出該目標支付端4,並根據所識別出的該目標支付端4,運行於一對應於該目標支付端4的目標支付模式,以與該目標支付端4進行支付流程的溝通,藉此,因應不同的支付端4,該伺服端1會運行於不同的支付模式,但銷售端2與伺服端1間針對支付所進行的流程步驟皆是固定的,因此,對於銷售端2而言,不管是要採用哪一支付端4來進行支付,其皆可採取統一的規範與流程來完成支付,因而可降低銷售業者導入行動支付的難度以加速行動支付的普及與速度,此外,藉由該伺服端1在一時間區間內自動統計每一支付端4在該時間區間內各自所提供的支付優惠金額之總和,及每一銀行端5在該時間區間內各自所提供的金融優惠金額之總和,使得銷售業者、各支付業者與各金融業者不需耗費大量人力成本於帳務清結上,故確實能達成本發明的目的。In summary, the payment integration method of the present invention and the server 1 for integrating payment, the server 1 identifies the target payment terminal 4 according to the payment identification code of the payment certificate, and according to the identified target The payment terminal 4 runs on a target payment mode corresponding to the target payment terminal 4 to communicate with the target payment terminal 4, whereby the server 1 operates differently according to different payment terminals 4. Payment mode, but the process steps for the payment between the sales terminal 2 and the server 1 are fixed. Therefore, for the sales terminal 2, no matter which payment terminal 4 is to be used for payment, Adopting a unified specification and process to complete the payment, thereby reducing the difficulty for the seller to introduce the action payment to accelerate the popularity and speed of the action payment, and further, by the server 1 automatically counting each payment terminal 4 in a time interval The sum of the payment concessions provided by each of the time intervals and the sum of the financial concessions provided by each bank end 5 within the time interval, so that the sellers, each Fu industry and financial industry need not spend a lot of labor costs on the accounting liquidation, it can really achieve the object of the present invention.

惟以上所述者,僅為本發明的實施例而已,當不能以此限定本發明實施的範圍,凡是依本發明申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾,皆仍屬本發明專利涵蓋的範圍內。However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the simple equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still Within the scope of the invention patent.

1‧‧‧伺服端1‧‧‧Server

11‧‧‧伺服端通訊模組11‧‧‧Server communication module

12‧‧‧伺服端處理模組12‧‧‧Server Processing Module

2‧‧‧銷售端2‧‧‧Sales

21‧‧‧銷售端通訊模組21‧‧‧Sales Terminal Communication Module

22‧‧‧銷售端處理模組22‧‧‧Sale-end processing module

3‧‧‧使用端3‧‧‧Use side

31‧‧‧使用端通訊模組31‧‧‧Using end communication module

32‧‧‧使用端儲存模組32‧‧‧Using end storage module

33‧‧‧使用端處理模組33‧‧‧Using the end processing module

4‧‧‧支付端4‧‧‧Payment end

41‧‧‧支付端通訊模組41‧‧‧Payment Terminal Communication Module

42‧‧‧支付端儲存模組42‧‧‧Payment storage module

43‧‧‧支付端處理模組43‧‧‧Payment processing module

5‧‧‧銀行端5‧‧‧ Bank end

51‧‧‧銀行端通訊模組51‧‧‧Bank-side communication module

52‧‧‧銀行端處理模組52‧‧‧Bank-side processing module

6‧‧‧通訊網路6‧‧‧Communication network

701~721‧‧‧步驟701~721‧‧‧Steps

本發明的其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是一方塊圖,說明一支付整合系統包含本發明伺服端的實施例、一銷售端、一使用端、多個支付端及多個銀行端; 圖2是一流程圖,說明本發明支付整合方法之實施例的支付程序; 圖3是一流程圖,說明本發明支付整合方法之實施例的支付程序運行於一第一支付模式; 圖4是一流程圖,說明本發明支付整合方法之實施例的支付程序運行於一第二支付模式; 圖5是一流程圖,說明本發明支付整合方法之實施例的請付程序; 圖6是一流程圖,說明本發明支付整合方法之實施例的清算程序; 圖7是一流程圖,說明本發明支付整合方法之實施例的取消支付程序運行於該第一支付模式;及 圖8是一流程圖,說明本發明支付整合方法之實施例的取消支付程序運行於該第二支付模式。Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a block diagram illustrating a payment integration system including an embodiment of the server of the present invention, a sales terminal, and a use. Figure 2 is a flow chart illustrating a payment procedure of an embodiment of the payment integration method of the present invention; and Figure 3 is a flow chart illustrating the payment of an embodiment of the payment integration method of the present invention The program runs in a first payment mode; FIG. 4 is a flow chart illustrating that the payment program of the embodiment of the payment integration method of the present invention operates in a second payment mode; FIG. 5 is a flow chart illustrating the payment integration method of the present invention. FIG. 6 is a flowchart illustrating a clearing procedure of an embodiment of the payment integration method of the present invention; FIG. 7 is a flowchart illustrating that the cancel payment program of the embodiment of the payment integration method of the present invention operates The first payment mode; and FIG. 8 is a flowchart illustrating that the cancel payment program of the embodiment of the payment integration method of the present invention operates in the second payment mode.

Claims (12)

一種支付整合方法,藉由一伺服端來實施,該伺服端經由一通訊網路與一銷售端、多個不同的支付端及多個不同的銀行端連接,且該伺服端可運行於多個分別對應於不同支付端的支付模式,該等支付模式包含一第一支付模式,該支付整合方法包含以下步驟:(A)在該伺服端接收到一包含一交易內容,以及一包括一指示出一目標支付端之支付識別碼及一付款識別碼的付款憑證的交易資料後,該伺服端根據該付款憑證之支付識別碼識別出該目標支付端;(B)該伺服端根據所識別出的該目標支付端,運行於一對應於該目標支付端的目標支付模式,該目標支付模式為該第一支付模式;(C-1)當該伺服端運行於該第一支付模式時,該伺服端還計算一支付優惠,該伺服端傳送該交易資料至該目標支付端,該交易資料不僅包含該交易內容及該付款憑證,還包含該支付優惠;(C-2)在該伺服端接收到一由該目標支付端至少根據該支付優惠計算一支付優惠金額,而根據該交易資料及該支付優惠金額所產生的一包含一支付金額、一收款帳號、一對應於該付款識別碼之付款資訊及該支付優惠金額的支付資料後,該伺服端傳送一包含該支付金額、該收款帳號、該付款資訊及該支付優惠金額的支付請求至一對應該付款資訊的目標銀行端,以致該目標銀行端回應於該支付 請求計算一銀行優惠金額,並將該支付請求的支付金額減去該銀行優惠金額以計算出一實付金額,並以該實付金額進行交易,且產生並傳送一包含該支付優惠金額、該銀行優惠金額及該實付金額的支付結果資料至該伺服端;及(D)當該伺服端運行於該目標支付模式,且接收到一支付結果資料時,該伺服端將該支付結果資料傳送至該銷售端。 A payment integration method is implemented by a server, and the server is connected to a sales terminal, a plurality of different payment terminals, and a plurality of different bank terminals via a communication network, and the server can be operated in multiple Corresponding to the payment modes of different payment terminals, the payment modes include a first payment mode, and the payment integration method includes the following steps: (A) receiving, at the server, a content including a transaction, and including: indicating a target After the payment identification code of the payment end and the transaction information of the payment voucher of the payment identification code, the server identifies the target payment end according to the payment identification code of the payment voucher; (B) the server according to the identified target The payment end runs on a target payment mode corresponding to the target payment end, and the target payment mode is the first payment mode; (C-1) when the server runs in the first payment mode, the server further calculates a payment offer, the server transmits the transaction data to the target payment terminal, and the transaction data includes not only the transaction content and the payment certificate, but also the payment payment (C-2) receiving, at the server, a payment amount calculated by the target payment terminal according to the payment offer, and a payment amount and a receipt amount generated according to the transaction data and the payment preferential amount After the account number, the payment information corresponding to the payment identifier, and the payment information of the payment amount, the server transmits a payment request including the payment amount, the payment account number, the payment information, and the payment amount to a pair of target banks that should pay for the information, so that the target bank responds to the payment Requesting to calculate a bank preferential amount, and subtracting the payment amount of the payment request from the bank preferential amount to calculate a actual payment amount, and performing the transaction with the actual payment amount, and generating and transmitting a payment amount including the payment amount, The bank preferential amount and the payment result data of the actual payment amount are sent to the server; and (D) when the server runs in the target payment mode and receives a payment result data, the server transmits the payment result data To the sales side. 一種支付整合方法,藉由一伺服端來實施,該伺服端經由一通訊網路與一銷售端、多個不同的支付端及多個不同的銀行端連接,且該伺服端可運行於多個分別對應於不同支付端的支付模式,該等支付模式包含一第二支付模式,該等銀行端還經由該通訊網路與對應於該第二支付模式的支付端連接,該支付整合方法包含以下步驟:(A)在該伺服端接收到一包含一交易內容,以及一包括一指示出一目標支付端之支付識別碼及一付款識別碼的付款憑證的交易資料後,該伺服端根據該付款憑證之支付識別碼識別出該目標支付端;(B)該伺服端根據所識別出的該目標支付端,運行於一對應於該目標支付端的目標支付模式,該伺服端所運行的該目標支付模式為該第二支付模式;(C)當該伺服端運行於該第二支付模式時,該伺服端計算一支付優惠,該伺服端傳送包含該交易內容、該付款憑證及該支付優惠的該交易資料至該目標支付端,以致該目標支付端至少根據該支付優惠計算一支付優惠金額,並 根據該交易資料及該支付優惠金額產生並傳送一包含一支付金額、一收款帳號、一對應於該付款識別碼之付款資訊及該支付優惠金額的支付請求至一對應該付款資訊的目標銀行端;及(D)當該伺服端運行於該第二支付模式,且接收到一由該目標銀行端回應於該支付請求計算一銀行優惠金額,並將該支付請求的支付金額減去該銀行優惠金額以計算出一實付金額,並以該實付金額進行交易,而產生並傳送給該目標支付端以致該目標支付端轉傳給該伺服端的支付結果資料時,該伺服端將該支付結果資料傳送至該銷售端,其中該支付結果資料包含該支付優惠金額、該銀行優惠金額及該實付金額。 A payment integration method is implemented by a server, and the server is connected to a sales terminal, a plurality of different payment terminals, and a plurality of different bank terminals via a communication network, and the server can be operated in multiple Corresponding to the payment modes of different payment terminals, the payment modes include a second payment mode, and the bank terminals are further connected to the payment terminal corresponding to the second payment mode via the communication network, and the payment integration method comprises the following steps: A) after the server receives a transaction content including a transaction content and a payment certificate indicating a payment identifier of a target payment terminal and a payment identifier, the server pays according to the payment certificate. The identifier identifies the target payment terminal; (B) the server operates according to the identified target payment terminal, and operates in a target payment mode corresponding to the target payment terminal, and the target payment mode run by the server is a second payment mode; (C) when the server runs in the second payment mode, the server calculates a payment offer, and the server transmits the payment The content of the proof of payment and the payment of the preferential trade data to the target payments end, so that the target payments end at least according to a calculation of the payment of preferential payment discount amount, and Generating and transmitting a payment request including a payment amount, a payment account number, a payment information corresponding to the payment identification code, and the payment preferential amount to a target bank that should pay the payment information according to the transaction data and the payment preferential amount And (D) when the server operates in the second payment mode, and receives a bank preferential amount calculated by the target bank in response to the payment request, and subtracts the payment amount of the payment request from the bank The payment amount is calculated by calculating the amount of the payment and using the actual payment amount, and generating and transmitting to the target payment terminal so that the target payment terminal transfers the payment result data to the server, the server will pay the payment The result data is transmitted to the sales terminal, wherein the payment result data includes the payment discount amount, the bank discount amount, and the actual payment amount. 如請求項1或2所述的支付整合方法,還包含以下步驟:(E)該伺服端根據該支付結果資料的支付優惠金額產生一包含該支付優惠金額及相關於該銷售端之該收款帳號的支付端請款請求,並傳送該支付端請款請求至該目標支付端。 The payment integration method according to claim 1 or 2, further comprising the following steps: (E) the server generates, according to the payment preferential amount of the payment result data, an amount including the payment preferential amount and the receipt related to the sales terminal The payment terminal of the account requests the payment, and transmits the payment request of the payment terminal to the target payment terminal. 如請求項3所述的支付整合方法,還包含以下步驟:(F)在另一交易資料被傳送至該伺服端後,重覆執行步驟(A)至步驟(E),其中,該另一交易資料可作為此次執行步驟(A)中所接收的交易資料;及(G)該伺服端根據在一時間區間內所有在執行步驟(D)時所接收到的支付結果資料,統計每一支付端在該時間區間內各自所提供的支付優惠金額之總和。 The payment integration method according to claim 3, further comprising the steps of: (F) repeatedly performing step (A) to step (E) after another transaction material is transmitted to the server, wherein the another The transaction data can be used as the transaction data received in the execution step (A); and (G) the server calculates each payment result data received during the execution of the step (D) in a time interval. The sum of the payment discount amounts provided by the payment end in each time interval. 如請求項1或2所述的支付整合方法,還包含以下步驟:(H)該伺服端根據該支付結果資料的銀行優惠金額產生一包含該銀行優惠金額及相關於該銷售端之該收款帳號的銀行端請款請求,並傳送該銀行端請款請求至該目標銀行端。 The payment integration method according to claim 1 or 2, further comprising the following steps: (H) the server generates, according to the bank preferential amount of the payment result data, a receipt amount including the bank preferential amount and the receipt related to the sales terminal The bank-side request for the account is requested, and the bank-side request for payment is transmitted to the target bank. 如請求項5所述的支付整合方法,還包含以下步驟:(I)在另一交易資料被傳送至該伺服端後,重覆執行步驟(A)至步驟(D)及步驟(H),其中,該另一交易資料可作為此次執行步驟(A)中所接收的交易資料;及(J)該伺服端根據在一時間區間內所有在執行步驟(D)時所接收到的支付結果資料,統計每一銀行端在該時間區間內各自所提供的金融優惠金額之總和。 The payment integration method according to claim 5, further comprising the steps of: (I) repeating steps (A) through (D) and (H) after another transaction data is transmitted to the server, Wherein, the other transaction data can be used as the transaction data received in the execution step (A); and (J) the server receives all the payment results received during the execution of the step (D) in a time interval. Data, the sum of the financial incentives provided by each bank within the time interval. 一種伺服端,用於整合支付並經由一通訊網路與一銷售端、多個不同的支付端及多個不同的銀行端連接,該伺服端包含:一伺服端通訊模組,用於連接該通訊網路;及一伺服端處理模組,電連接該伺服端通訊模組,並可運行於多個分別對應於不同支付端的支付模式,該等支付模式包含一第一支付模式;其中,在該伺服端處理模組經由該伺服端通訊模組接收到包含一交易內容,以及一包括一指示出一目標支付端之支付識別碼及一付款識別碼的付款憑證的交易資料後,該伺服端處理模組根據該付款憑證之支付識別碼識別出該目標支付端,且該伺服端處理模組根據所識別出的該 目標支付端,運行於一對應於該目標支付端的目標支付模式,該目標支付模式為該第一支付模式,當該伺服端處理模組所運行的該目標支付模式為該第一支付模式時,該伺服端處理模組還計算一支付優惠,該伺服端處理模組經由該伺服端通訊模組傳送該交易資料至該目標支付端,該交易資料不僅包含該交易內容及該付款憑證,還包含該支付優惠,在該伺服端處理模組經由該伺服端通訊模組接收到一由該目標支付端至少根據該支付優惠計算一支付優惠金額,而根據該交易資料及該支付優惠金額所產生的一包含一支付金額、一收款帳號、一對應於該付款識別碼之付款資訊及該支付優惠金額的支付資料後,該伺服端處理模組經由該伺服端通訊模組傳送一包含該支付金額、該收款帳號、該付款資訊及該支付優惠金額的支付請求至一對應該付款資訊的目標銀行端,以致該目標銀行端回應於該支付請求計算一銀行優惠金額,並將該支付請求的支付金額減去該銀行優惠金額以計算出一實付金額,並以該實付金額進行交易,且產生並傳送一包含該支付優惠金額、該銀行優惠金額及該實付金額的支付結果資料至該伺服端,,當該伺服端處理模組運行於該目標支付模式時,且該伺服端處理模組經由該伺服端通訊模組接收到一支付結果資料時,該伺服端處理模組經由該伺服端通訊模組將該支付結果資料傳送至該銷售端。 A server for integrating payment and connecting to a sales terminal, a plurality of different payment terminals and a plurality of different bank terminals via a communication network, the server includes: a server communication module for connecting to the communication network And a server processing module electrically connected to the server communication module and operable in a plurality of payment modes respectively corresponding to different payment terminals, wherein the payment modes include a first payment mode; wherein, the servo After the end processing module receives the transaction content via the server communication module, and includes a transaction data indicating a payment identifier of the target payment terminal and a payment identifier, the server processing module The group identifies the target payment terminal according to the payment identification code of the payment voucher, and the server processing module determines the The target payment mode runs on a target payment mode corresponding to the target payment terminal, and the target payment mode is the first payment mode. When the target payment mode run by the server processing module is the first payment mode, The server processing module further calculates a payment offer, and the server processing module transmits the transaction data to the target payment terminal via the server communication module, where the transaction data includes not only the transaction content and the payment certificate, but also includes The payment offer, the server processing module receives, via the server communication module, a payment preferential amount calculated by the target payment terminal according to the payment preference, and according to the transaction data and the payment preferential amount After the payment data includes a payment amount, a payment account number, a payment information corresponding to the payment identifier, and the payment amount of the payment amount, the server processing module transmits a payment amount including the payment amount via the server communication module. , the payment account, the payment information, and the payment request for the payment amount to a target silver for the payment information Ending, so that the target bank side calculates a bank preferential amount in response to the payment request, and subtracts the payment amount of the payment request from the bank preferential amount to calculate a actual payment amount, and performs the transaction with the actual payment amount, and Generating and transmitting a payment result data including the payment preferential amount, the bank preferential amount and the actual payment amount to the server, when the server processing module runs in the target payment mode, and the server processes the mode When the group receives a payment result data through the server communication module, the server processing module transmits the payment result data to the sales terminal via the server communication module. 一種伺服端,用於整合支付並經由一通訊網路與一銷售端、多個不同的支付端及多個不同的銀行端連接,該等銀 行端還經由該通訊網路與對應於一第二支付模式的支付端連接,該伺服端包含:一伺服端通訊模組,用於連接該通訊網路;及一伺服端處理模組,電連接該伺服端通訊模組,並可運行於多個分別對應於不同支付端的支付模式,該等支付模式包含該第二支付模式;其中,在該伺服端處理模組經由該伺服端通訊模組接收到包含一交易內容,以及一包括一指示出一目標支付端之支付識別碼及一付款識別碼的付款憑證的交易資料後,該伺服端處理模組根據該付款憑證之支付識別碼識別出該目標支付端,且該伺服端處理模組根據所識別出的該目標支付端,運行於一對應於該目標支付端的目標支付模式,該目標支付模式為該第二支付模式,當該伺服端處理模組所運行的該目標支付模式為該第二支付模式時,該伺服端處理模組還計算一支付優惠,該伺服端處理模組經由該伺服端通訊模組傳送該交易資料至該目標支付端,該交易資料不僅包含該交易內容及該付款憑證,還包含該支付優惠,以致該目標支付端至少根據該支付優惠計算一支付優惠金額,並根據該交易資料及該支付優惠金額產生並傳送一包含一支付金額、一收款帳號、一對應於該付款識別碼之付款資訊及該支付優惠金額的支付請求至一對應該付款資訊的目標銀行端,當該伺服端處理模組運行於該第二支付模式,且經由該伺服端通訊模組接收到一由該目標銀行端回應於該支付請求計算一銀行優惠金額,並將該支 付請求的支付金額減去該銀行優惠金額以計算出一實付金額,並以該實付金額進行交易,而產生並傳送給該目標支付端以致該目標支付端轉傳給該伺服端的支付結果資料時,該伺服端處理模組經由該伺服端通訊模組將該支付結果資料傳送至該銷售端,其中該支付結果資料包含該支付優惠金額、該銀行優惠金額及該實付金額。 A server for integrating payment and connecting to a sales terminal, a plurality of different payment terminals, and a plurality of different bank terminals via a communication network, the silver The line end is further connected to a payment terminal corresponding to a second payment mode via the communication network, the server includes: a server communication module for connecting to the communication network; and a server processing module electrically connected to the server a server communication module, and can run on a plurality of payment modes respectively corresponding to different payment terminals, wherein the payment mode includes the second payment mode; wherein the server processing module receives the server through the server communication module After the transaction content is included, and the transaction data including the payment identifier of the target payment terminal and the payment identifier of the payment identifier, the server processing module identifies the target according to the payment identifier of the payment certificate. a payment end, and the server processing module runs on a target payment mode corresponding to the target payment terminal according to the identified target payment terminal, and the target payment mode is the second payment mode, when the server processes the mode When the target payment mode run by the group is the second payment mode, the server processing module further calculates a payment offer, and the server processes the mode. Transmitting the transaction data to the target payment terminal via the server communication module, the transaction data includes not only the transaction content and the payment certificate, but also the payment offer, so that the target payment terminal calculates a payment offer according to at least the payment offer. Amount, and generating and transmitting a payment request including a payment amount, a receipt account number, a payment information corresponding to the payment identifier, and the payment amount to a pair of payment information according to the transaction data and the payment amount Target bank, when the server processing module runs in the second payment mode, and receives, via the server communication module, a bank preferential amount calculated by the target bank in response to the payment request, and the support The requested payment amount is subtracted from the bank preferential amount to calculate a paid amount, and the transaction is performed with the actual payment amount, and is generated and transmitted to the target payment terminal so that the target payment terminal transfers the payment result to the server. When the data is sent, the server processing module transmits the payment result data to the sales terminal via the server communication module, wherein the payment result data includes the payment preferential amount, the bank preferential amount, and the actual payment amount. 如請求項7或8所述的伺服端,其中,該伺服端處理模組還根據該支付結果資料的支付優惠金額產生一包含該支付優惠金額及相關於該銷售端之該收款帳號的支付端請款請求,並經由該伺服端通訊模組傳送該支付端請款請求至該目標支付端。 The server of claim 7 or 8, wherein the server processing module further generates a payment including the payment preferential amount and the payment account associated with the sales terminal according to the payment preferential amount of the payment result data. The request for payment is received, and the payment request of the payment terminal is transmitted to the target payment terminal via the server communication module. 如請求項9所述的伺服端,其中,在該伺服端處理模組經由該伺服端通訊模組接收到另一包含另一交易內容,及另一包括另一指示出另一目標支付端之支付識別碼的付款憑證的交易資料後,該伺服端處理模組根據該另一付款憑證之另一支付識別碼識別出該另一目標支付端,且該伺服端處理模組根據所識別出的該另一目標支付端,運行於另一對應於該另一目標支付端的目標支付模式,當該伺服端處理模組運行於該另一目標支付模式時,該伺服端處理模組經由該伺服端通訊模組傳送該另一交易資料至該另一目標支付端,以致該另一目標支付端進行支付,當該伺服端處理模組運行於該另一目標支付模式時,且該伺服端處理模組經由該伺服端通訊模組接收到另一包含另一支付優惠金額、另一銀行優惠金額及另一實付金額的支付結果 資料時,該伺服端處理模組經由該伺服端通訊模組將該另一支付結果資料傳送至該銷售端,該伺服端處理模組還根據該另一支付結果資料的另一支付優惠金額產生另一包含該另一支付優惠金額及該收款帳號的支付端請款請求,並經由該伺服端通訊模組傳送該另一支付端請款請求至該另一目標支付端,且該伺服端根據在一時間區間內所接收到的所有支付結果資料,統計每一支付端在該時間區間內各自所提供的支付優惠金額之總和。 The server of claim 9, wherein the server processing module receives another content including another transaction via the server communication module, and the other includes another indication of another target payment terminal. After the transaction data of the payment voucher of the identification code is paid, the server processing module identifies the other target payment end according to another payment identification code of the other payment voucher, and the server processing module is based on the identified The other target payment terminal runs on another target payment mode corresponding to the other target payment terminal. When the server processing module runs in the other target payment mode, the server processing module passes the server. The communication module transmits the other transaction data to the other target payment terminal, so that the other target payment terminal performs payment, and when the server processing module runs in the other target payment mode, and the server processes the mode The group receives another payment result including another payment discount amount, another bank discount amount, and another actual payment amount via the server communication module. When the data is sent, the server processing module transmits the other payment result data to the sales terminal via the server communication module, and the server processing module further generates another payment preferential amount according to the another payment result data. Another payment request request including the other payment preferential amount and the payment account, and transmitting the another payment terminal request to the other target payment terminal via the server communication module, and the server According to all the payment result data received in a time interval, the sum of the payment preferential amounts provided by each payment terminal in the time interval is counted. 如請求項7或8所述的伺服端,其中,該伺服端處理模組還根據該支付結果資料的銀行優惠金額產生一包含該銀行優惠金額及相關於該銷售端之該收款帳號的銀行端請款請求,並經由該伺服端通訊模組傳送該銀行端請款請求至該目標銀行端。 The server of claim 7 or 8, wherein the server processing module further generates a bank including the bank preferential amount and the receiving account corresponding to the selling end according to the bank preferential amount of the payment result data. The request for the payment is made, and the bank-side request for payment is transmitted to the target bank via the server communication module. 如請求項11所述的伺服端,其中,在該伺服端處理模組經由該伺服端通訊模組接收到另一包含另一交易內容,及另一包括另一指示出另一目標支付端之支付識別碼的付款憑證的交易資料後,該伺服端處理模組根據該另一付款憑證之另一支付識別碼識別出該另一目標支付端,且該伺服端處理模組根據所識別出的該另一目標支付端,運行於另一對應於該另一目標支付端的目標支付模式,當該伺服端處理模組運行於該另一目標支付模式時,該伺服端處理模組經由該伺服端通訊模組傳送該另一交易資料至該另一目標支付端,以致該另一目標支付端進行支付,當該伺服端處理模組運行於該另一目標支付模式時,且該伺服端處 理模組經由該伺服端通訊模組接收到另一包含另一支付優惠金額、另一銀行優惠金額及另一實付金額的支付結果資料時,該伺服端處理模組經由該伺服端通訊模組將該另一支付結果資料傳送至該銷售端,該伺服端處理模組還根據該另一支付結果資料的另一銀行優惠金額產生另一包含該另一銀行優惠金額及該收款帳號的銀行端請款請求,並經由該伺服端通訊模組傳送該另一銀行端請款請求至另一目標銀行端,且該伺服端根據在一時間區間內所接收到的所有支付結果資料,統計每一銀行端在該時間區間內各自所提供的金融優惠金額之總和。 The server of claim 11, wherein the server processing module receives another content including another transaction via the server communication module, and the other includes another indication of another target payment terminal. After the transaction data of the payment voucher of the identification code is paid, the server processing module identifies the other target payment end according to another payment identification code of the other payment voucher, and the server processing module is based on the identified The other target payment terminal runs on another target payment mode corresponding to the other target payment terminal. When the server processing module runs in the other target payment mode, the server processing module passes the server. The communication module transmits the other transaction data to the other target payment terminal, so that the other target payment terminal performs payment, when the server processing module runs in the other target payment mode, and the server end When the processing module receives another payment result data including another payment preferential amount, another bank preferential amount, and another actual payment amount, the server processing module passes the server communication mode. The group transmits the other payment result data to the sales terminal, and the server processing module further generates another bank discount amount and the receipt account number according to another bank preferential amount of the another payment result data. The bank requests a request, and transmits the other bank-side request for payment to another target bank via the server communication module, and the server counts according to all payment result data received in a time interval. The sum of the financial incentives provided by each bank within the time interval.
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