TWI679598B - Mobile payment system and payment method - Google Patents

Abstract

A mobile payment system includes a server unit, a plurality of positioning devices, and a plurality of transaction hosts. When the server unit determines that the current positioning data received from one of the positioning devices is located in a service location, the The server unit sends the positioning data to a user identification data, a credit card data and a license plate number data to the transaction host provided at the service location for the transaction host to display the license plate number data. The transaction host selects one of the license plate number data displayed as a target license plate number according to the operation of the corresponding operator, and sends a transaction request including a transaction amount and the credit card information corresponding to the target license plate number data to The credit card acquiring system.

Description

Mobile payment system and payment method

The present invention relates to a payment system, in particular to a mobile payment system, and the present invention also relates to a payment method of the aforementioned mobile payment system.

In recent years, mobile payment methods have become more convenient and more widely used. Mobile payment can be used from convenience stores, general stores, chain stores and taxis. Recently, gas stations can also be used according to regulations. Pay with mobile payments.

When using mobile payment at a gas station, consumers must get off the vehicle and take the mobile device to the transaction host of the toll booth to sense or scan to pay. There is still room for improvement in convenience.

Therefore, the object of the present invention is to provide a mobile payment system.

Another object of the present invention is to provide a mobile payment method in which a user can use mobile payment without getting off the car.

Therefore, the mobile payment system of the present invention is suitable for communicating with a credit card acquiring system. The mobile payment system includes a server unit, multiple positioning devices, and multiple transaction hosts. The server unit stores multiple service locations and multiple User data, each user data includes a user identification data, a credit card data and a license plate number data. The positioning devices are connected to the server unit, and each positioning device is adapted to move with a vehicle as its carrier, and can calculate a positioning data indicating its own location, and the positioning data together with the corresponding User identification data is transmitted to the server unit. These transaction hosts are respectively operated by multiple operators, are connected to the server unit, and are respectively located at the service locations.

When the server unit judges that the location indicated by the currently received positioning data falls in the service location of one of the service locations as a target location based on the currently received positioning data, the server unit updates the current location The user identification data corresponding to the received positioning data, the corresponding credit card information, and the corresponding license plate number data are transmitted to the transaction host set at the target location.

When the transaction host receives the user identification data, the credit card information, and the license plate number data from the server unit, the transaction host displays the license plate number data.

The transaction host selects one of the license plate number data displayed by it as a target license plate number data according to the corresponding operation of the operator.

The transaction host transmits a transaction request to the credit card acquiring system according to the corresponding operation of the operator, the transaction request includes a transaction amount and the credit card information corresponding to the target license plate number data, and the transaction request causes the The credit card acquiring system executes a credit card transaction procedure corresponding to the transaction amount of the transaction request and the credit card information.

In some implementation aspects, each transaction host is adapted to communicate with a gas dispenser, and the transaction amount of the transaction request is related to an original transaction amount accepted from the gas dispenser and indicating a refueling fee.

In some implementations, each user data stored by the server unit further includes a transaction history record. When the credit card acquiring system completes the credit card transaction procedure, the credit card acquiring system returns a transaction completion notification to the transaction host. When the transaction host receives the transaction completion notification, the transaction host sends a transaction record to the server unit, the transaction record contains the user identification information corresponding to the target license plate number data, a current date and time, and the The transaction amount of the transaction request and the credit card information. When the server unit receives the transaction record, the server unit adds the transaction record to the transaction history record corresponding to the user identification data of the transaction record according to the user identification data of the transaction record.

In some implementation aspects, each transaction host stores multiple preferential discount calculation principles and multiple preferential discount conditions respectively corresponding to the preferential discount calculation principles. Before the transaction host sends the transaction request to the credit card acquiring system, the transaction host determines whether the credit card information corresponding to the target license plate number data meets one of the preferential discount conditions. After the transaction host judges that the credit card information corresponding to the target license plate number data meets one of the preferential discount conditions, the transaction host calculates based on an original consumption amount and the preferential discount calculation principle corresponding to one of the preferential discount conditions. The transaction amount. When the transaction host judges that the credit card information corresponding to the target license plate number data does not meet one of these preferential discount conditions, the transaction host uses the original consumption amount as the transaction amount.

The payment method of the mobile payment system of the present invention is suitable for communicating with a credit card acquiring system, and the mobile payment system includes a server unit, multiple positioning devices, and multiple transaction hosts. The server unit stores multiple Service locations and multiple user data, each user data includes a user identification data, a credit card data and a license plate number data, each positioning device of these positioning devices is suitable for a vehicle as its vehicle And moving, and can calculate a positioning data indicating its own location, and transmit the positioning data along with the corresponding user identification data to the server unit, these transaction hosts are respectively operated by multiple operators, and The methods are respectively set at the service locations, and the method includes: when the server unit judges that the position indicated by the currently received positioning data falls on one of the service locations based on the currently received positioning data as a target When serving the location, the server unit will identify the user information corresponding to the currently received positioning data. Information corresponding to the host of the transaction and the corresponding credit card information of the license plate number provided in the data transfer to the target location. When the transaction host receives the user identification data, the credit card information, and the license plate number data from the server unit, the transaction host displays the license plate number data. The transaction host selects one of the license plate number data displayed by it as a target license plate number data according to the corresponding operation of the operator. The transaction host transmits a transaction request to the credit card acquiring system according to the corresponding operation of the operator, the transaction request includes a transaction amount and the credit card information corresponding to the target license plate number data, and the transaction request causes the The credit card acquiring system executes a credit card transaction procedure corresponding to the transaction amount of the transaction request and the credit card information.

The effect of the present invention is that when the server unit determines that the position indicated by the currently received positioning data falls on the target location according to the currently received positioning data, the server unit corresponds to the currently received positioning data. The user identification information, the corresponding credit card information, and the corresponding license plate number data are transmitted to the transaction host set at the target location for the transaction host to display the license plate number data, and the transaction host uses the corresponding The operation of the operator selects one of the license plate number data displayed as the target license plate number data, and transmits the transaction request including the transaction amount and the credit card information corresponding to the target license plate number data to the credit card to acquire System to achieve the effect that the owner can complete the transaction without getting off the car.

Referring to FIG. 1, a first embodiment of a mobile payment system 100 according to the present invention is adapted to communicate with a credit card acquiring system 5. The mobile payment system 100 includes a server unit 1, a plurality of positioning devices 2, and a plurality of transaction hosts. 3.

The server unit 1 stores a plurality of service locations B1 and a plurality of user data B2. Each user data B2 includes a user identification data C1, a credit card data C2, a license plate number data C3, and a transaction history record C4.

The positioning devices 2 are connected to the server unit 1, and each positioning device 2 is adapted to move using a vehicle as a carrier, and can calculate a positioning data indicating its own location. Each positioning device 2 is a smart phone, a tablet computer, or a vehicle-mounted computer with a positioning function, but is not limited thereto.

The transaction hosts 3 are connected to the server unit 1, and are respectively set at the service locations B1, and are respectively operated by multiple operators. Each transaction host 3 stores multiple preferential discount calculation principles D1 and multiple preferential discount conditions D2.

Referring to FIG. 1 and FIG. 2, the steps of the payment method of the mobile payment system 100 will be described below.

First, as shown in step S01, one of the positioning devices 2 transmits the positioning data and the corresponding user identification data C1 to the server unit 1.

Next, as shown in step S02, the server unit 1 determines whether the position indicated by the currently received positioning data falls in one of the service locations B1 according to the currently received positioning data, and if not, The process ends, and if so, step S03 is performed.

Then, as shown in step S03, when the server unit 1 determines that the position indicated by the currently received positioning data falls on one of the service locations B1 as a target location according to the currently received positioning data. When serving a location, the server unit 1 transmits the user identification information C1 corresponding to the currently received positioning data, the corresponding credit card information C2, and the corresponding license plate number C3 data to the target set. Location of the transaction host 3.

Next, as shown in step S04, when the transaction host 3 receives the user identification data C1, the credit card information C2, and the license plate number C3 information from the server unit 1, the transaction host 3 displays the license plate number C3 .

Next, as shown in step S05, the transaction host 3 selects one of the license plate number data C3 of the license plate numbers C3 displayed on the transaction host 3 as a target license plate number data according to the corresponding operation of the operator.

Next, as shown in step S06, the transaction host 3 receives an original transaction amount. In this embodiment, the service locations B1 respectively indicate the locations of multiple gas stations, and each transaction host 3 is adapted to communicate with a gas machine 4 of the service location B1. The original transaction amount received by the transaction host 3 is from the gas dispenser 4 communicating with it, and the original transaction amount indicates the refueling fee. However, the place where the present invention is applied is not limited to a gas station, and a parking lot may also be a place where the present invention is applied.

Next, as shown in step S07, the transaction host 3 determines whether the credit card information C2 corresponding to the target license plate number data meets one of the preferential discount conditions D2. If otherwise, step S08 is executed, and the transaction host 3 uses the original consumption The amount is used as the transaction amount. If yes, step S09 is executed.

Step S09 is that the transaction host 3 calculates the transaction amount based on the original consumption amount and the preferential discount calculation principle D1 corresponding to one of the preferential discount conditions D2.

Next, as shown in step S10, the transaction host 3 transmits a transaction request to the credit card acquiring system 5 according to the corresponding operation of the operator. The transaction request includes a transaction amount and the credit card information C2 corresponding to the target license plate number data. The transaction request causes the credit card acquiring system 5 to execute a credit card transaction procedure corresponding to the transaction amount and the credit card information C2 of the transaction request. The credit card acquiring system 5 sends back a transaction completion notification to the transaction host 3 after executing the credit card transaction procedure.

Next, as shown in step S11, when the transaction host 3 receives the transaction completion notification returned by the credit card acquiring system 5, the transaction host transmits a transaction record to the server unit 1. The transaction record includes the user identification information C1 corresponding to the target license plate number data, a current date and time, the transaction amount of the transaction request, and the credit card information C2.

Next, as shown in step S12, when the server unit 1 receives the transaction record, the server unit 1 adds the transaction record to the user identification of the transaction record according to the user identification data C1 of the transaction record. The transaction history record C4 corresponding to the data C1.

In summary, the mobile payment system 100 of the present invention determines that the location indicated by the currently received positioning data falls on the target location based on the currently received positioning data of the server. The user identification data C1 corresponding to the currently received positioning data, the corresponding credit card information C2, and the corresponding license plate number data C3 are transmitted to the transaction host 3 set at the target location for the transaction host 3 to display The license plate number data C3, and according to the corresponding operation of the operator, the transaction host 3 selects one of the license plate number data C3 displayed as the target license plate number data, and transmits the information including the transaction amount and the target license plate The transaction request of the credit card information C2 corresponding to the number information is given to the credit card acquiring system 5 so as to achieve the effect that the owner can complete the transaction without getting off the vehicle, so the purpose of the invention can be achieved.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited in this way, any simple equivalent changes and modifications made in accordance with the scope of the patent application and the content of the patent specification of the present invention are still Within the scope of the invention patent.

1‧‧‧Server Unit

2‧‧‧ positioning device

3‧‧‧Transaction Host

4‧‧‧ tanker

5‧‧‧Credit Card Acquisition System

B1‧‧‧Service Location

B2‧‧‧User Information

C1‧‧‧User Identification Information

C2‧‧‧ Credit Card Information

C3‧‧‧ license plate number information

C4‧‧‧Transaction history

D1‧‧‧Preferential discount calculation principle

D2‧‧‧Concessions and discounts

S01 ~ S12‧‧‧step

Other features and effects of the present invention will be clearly presented in the embodiment with reference to the drawings, wherein: FIG. 1 is a schematic diagram of a hardware connection relationship of an embodiment of the mobile payment system of the present invention; and FIG. 2 is the implementation A flowchart of the example illustrates the steps of the payment method of the mobile payment system.

Claims (6)

A mobile payment system suitable for communicating with a credit card acquisition system. The mobile payment system includes: a server unit that stores multiple service locations and multiple user data, each user data includes a user identification data, A credit card information, a license plate number information and a transaction history record; multiple positioning devices connected to the server unit, each positioning device is suitable for moving with a vehicle as its carrier, and can calculate an instruction itself The positioning data of the location, and transmitting the positioning data together with the corresponding user identification data to the server unit; and multiple transaction hosts, which are respectively operated by multiple operators, and are connected to the server unit, and Set at these service locations; when the server unit judges that the location indicated by the currently received positioning data falls on one of the service locations as a service location of a target location based on the currently received positioning information , The server unit corresponds to the user identification data corresponding to the currently received positioning data and the corresponding letter The card data and the corresponding license plate number data are transmitted to the transaction host set at the target location; when the transaction host receives the user identification data, the credit card data, and the license plate number data from the server unit, the transaction The host displays the license plate number data; the transaction host selects one of the license plate number data displayed as a target license plate number data according to the corresponding operation of the operator; the transaction host transmits a target number according to the corresponding operation of the operator A transaction request is sent to the credit card acquiring system, the transaction request includes a transaction amount and the credit card information corresponding to the target license plate number data, and the transaction request causes the credit card acquiring system to execute the transaction corresponding to the transaction request Credit card transaction procedures for the amount and the credit card information; when the credit card acquisition system completes the credit card transaction procedures, the credit card acquisition system returns a transaction completion notification to the transaction host; when the transaction host receives the transaction completion notification, The transaction host sends a transaction record to the server. , The transaction record includes the user identification information corresponding to the target license plate number data, a current date and time, and the transaction amount and credit card information of the transaction request; when the server unit receives the transaction record, the server The processor unit adds the transaction record to the transaction history record corresponding to the user identification information of the transaction record according to the user identification information of the transaction record. A mobile payment system suitable for communicating with a credit card acquisition system. The mobile payment system includes: a server unit that stores multiple service locations and multiple user data, each user data includes a user identification data, A credit card data and a license plate number data; a plurality of positioning devices connected to the server unit, each positioning device is adapted to move with a vehicle as its carrier, and can calculate a positioning indicating its own location Data, and the positioning data together with the corresponding user identification data are transmitted to the server unit; and multiple transaction hosts, which are respectively operated by multiple operators, are connected to the server unit, and are respectively set in these At the service location, each transaction host stores multiple preferential discount calculation principles and multiple preferential discount conditions respectively corresponding to these preferential discount calculation principles; when the server unit judges the current receiving based on the positioning data currently received, The location indicated by the positioning data falls in one of these service locations as a service location of a target location When the server unit transmits the user identification data corresponding to the positioning data currently received, the corresponding credit card information, and the corresponding license plate number data to the transaction host set at the target location; when the transaction host Receiving the user identification data, the credit card information, and the license plate number data from the server unit, the transaction host displays the license plate number data; the transaction host displays one of them according to the corresponding operation of the operator The license plate number data is selected as a target license plate number data; the transaction host judges whether the credit card information corresponding to the target license plate number data meets one of the preferential discount conditions; when the transaction host judges the credit card corresponding to the target license plate number data The data meets one of these preferential discount conditions, the transaction host calculates a transaction amount based on an original consumption amount and the preferential discount calculation principle corresponding to one of the preferential discount conditions; when the transaction host judges the target license plate number data The corresponding credit card information does not match the One of the preferential discount conditions, the transaction host uses the original consumption amount as the transaction amount; the transaction host sends a transaction request to the credit card acquiring system according to the corresponding operation of the operator, and the transaction request includes the transaction amount And the credit card information corresponding to the target license plate number data, and the transaction request causes the credit card acquiring system to execute a credit card transaction procedure corresponding to the transaction amount and the credit card information of the transaction request. The mobile payment system according to claim 1 or 2, wherein each transaction host is adapted to communicate with a gas dispenser, and the transaction amount of the transaction request is related to an original received from the gas dispenser and indicating the refueling cost Transaction amount. A payment method of a mobile payment system, the mobile payment system is adapted to communicate with a credit card acquiring system, and the mobile payment system includes a server unit, multiple positioning devices, and multiple transaction hosts, and the server unit stores multiple Service location and multiple user data, each user data includes a user identification data, a credit card data, a license plate number data, and a transaction history record, each positioning device is suitable for a vehicle as its vehicle and Move, and can calculate a positioning data indicating its own location, and send the positioning data along with the corresponding user identification data to the server unit, these transaction hosts are for multiple operators to operate, and The method includes: when the server unit determines, based on the currently received positioning data, that the position indicated by the currently received positioning data falls in one of the service locations as a target location When serving a location, the server unit will identify the user information corresponding to the currently received positioning data. The data, the corresponding credit card information and the corresponding license plate number data are transmitted to the transaction host set at the target location; when the transaction host receives the user identification data, the credit card information and the license plate from the server unit Number data, the transaction host displays the license plate number data; the transaction host selects one of the license plate number data displayed as a target license plate number data according to the operation of the corresponding operator; the transaction host according to the corresponding operator Operation, sending a transaction request to the credit card acquiring system, the transaction request includes a transaction amount and the credit card information corresponding to the target license plate number data, and the transaction request causes the credit card acquiring system to execute a transaction corresponding to the The credit card transaction procedure of the transaction amount and the credit card information requested by the transaction; when the credit card acquiring system completes the credit card transaction procedure, the credit card acquiring system returns a transaction completion notification to the transaction host; when the transaction host receives The transaction completion notice, the transaction host will record a transaction Sent to the server unit, the transaction record contains the user identification information corresponding to the target license plate number data, a current date and time, and the transaction amount and credit card information of the transaction request; and when the server unit receives To the transaction record, the server unit adds the transaction record to the transaction history record corresponding to the user identification information of the transaction record according to the user identification information of the transaction record. A payment method of a mobile payment system, the mobile payment system is adapted to communicate with a credit card acquiring system, and the mobile payment system includes a server unit, multiple positioning devices, and multiple transaction hosts, and the server unit stores multiple Service location and multiple user data, each user data includes a user identification data, a credit card data, and a license plate number data, each positioning device is suitable for moving with a vehicle as its vehicle, and can calculate A positioning data indicating the location of the user is issued, and the positioning data and the corresponding user identification data are transmitted to the server unit. The transaction hosts are respectively operated by multiple operators, and are respectively set in these services. Location, each transaction host stores multiple preferential discount calculation principles and multiple preferential discount conditions corresponding to these preferential discount calculation principles, the method includes: when the server unit judges based on the positioning data currently received, The currently received location indicated by the positioning data falls in one of these service locations as a At the service location of the target location, the server unit transmits the user identification information corresponding to the currently received positioning data, the corresponding credit card information, and the corresponding license plate number data to the transaction host set at the target location. ; When the transaction host receives the user identification data, the credit card information, and the license plate number data from the server unit, the transaction host displays the license plate number data; according to the corresponding operation of the operator, the transaction host will One of the license plate number data displayed is selected as a target license plate number data, and the transaction host judges whether the credit card information corresponding to the target license plate number data meets one of the preferential discount conditions; when the transaction host judges the target license plate number The credit card information corresponding to the data meets one of the preferential discount conditions, the transaction host calculates a transaction amount based on an original consumption amount and the preferential discount calculation principle corresponding to one of the preferential discount conditions; when the transaction host judges The letter corresponding to the target license plate number data The card information does not meet one of these preferential discount conditions, the transaction host uses the original consumption amount as the transaction amount; and the transaction host sends a transaction request to the credit card acquiring system according to the corresponding operation of the operator, The transaction request includes a transaction amount and the credit card information corresponding to the target license plate number data, and the transaction request causes the credit card acquiring system to execute a credit card transaction procedure corresponding to the transaction amount and the credit card information of the transaction request . The payment method of the mobile payment system according to claim 4 or 5, wherein each transaction host is adapted to communicate with a gas dispenser, and the transaction amount of the transaction request is related to a gas receipt received from the gas dispenser and instructed to refuel The original transaction amount of the fee.