TWI688911B - Mobile payment sub-account system - Google Patents

Abstract

The mobile payment sub-account system of the present invention comprises a primary account and at least one sub-account. The primary account is set up on a primary mobile device and has a mobile payment function. The sub-account is set up in a sub-action device and has a mobile payment function. The sub-account is connected to the primary account signal. The effect of the present invention is that: When the sub-account performs the mobile payment service, the signal is sent to the main account synchronously, so that the main account user can immediately control the sub-account, so that the parent's financial education for the child can be extended to the mobile business. In addition to teaching children the correct concept of money on weekdays, this creation enables parents to immediately know the use of their children's action payments, to guide immediately, to grasp the opportunity to guide their children's financial management concepts, and to prevent children from conducting inappropriate business transactions. The present invention can be applied to an employment relationship or the like in addition to the parent-child relationship.

Description

Mobile payment sub-account system

This creation is a mobile payment system, especially a system in which a sub-account can be controlled by a main account.

Due to the popularity of mobile devices, non-physical currency mobile business transaction systems have also been widely accepted, such as digital wallets, electronic cash, mobile payments, electronic checks, etc. In line with this trend, the age group holding mobile devices is also declining, which means that the age group of users using mobile payment services is also getting younger. In this environment, parents' financial management of their children must also be extended to mobile business.

The existing mobile payment service is limited to the verification and auditing relationship between the mobile payment account on a single mobile device and the bank host, and the relationship between the mobile payment account on different mobile devices cannot be bound, signal connection, etc., although the Republic of China Patent I566194 discloses that the mobile payment system is applied to most mobile devices. However, the previously disclosed patent requires the payment service server to be individually connected to the signals of most mobile devices, which constitutes a group purchase business model.

In other words, the existing mobile payment system does not let parents know the use of their children's mobile payment immediately. In addition to teaching their children the correct concept of money, parents can't guide their children in mobile business transactions. After the review, parents will miss the opportunity to guide their children's financial management concepts, and children may conduct inappropriate business transactions without realizing it.

Therefore, a system that can control and control mobile payment in real time is not only required by the current market, but also one of the R&D goals of related companies.

Therefore, the purpose of this creation is to provide a mobile payment sub-account system that can be immediately controlled.

Therefore, the author creates a mobile payment sub-account system, including a main account and at least one sub-account, the main account has a mobile payment function, the sub-account has a mobile payment function, the sub-account is connected to the main account signal, the sub-account Send a signal to the master account synchronously when performing mobile payment service.

This invention creates a mobile payment sub-account system, wherein the main account is set on a main mobile device, and the sub-account is set on a sub mobile device.

This invention creates a mobile payment sub-account system, which also includes a verification unit installed on the bank host, the verification unit verifies the main account opening data, verifies the sub-account opening data, and the signal connection agreement between the main account and the sub-account .

This invention creates a mobile payment sub-account system, wherein the verification unit notifies the user of the main account and receives confirmation notification from the user of the main account when verifying the account opening data of the sub-account.

This invention creates a mobile payment sub-account system, and further includes a limit unit set on the main mobile device, and the main account user sets the mobile payment limit of the sub-account through the limit unit.

This invention creates a mobile payment sub-account system, wherein the main account user sets the single mobile payment limit of the sub-account through the limit unit.

This invention creates a mobile payment sub-account system, in which the main account user sets the mobile payment limit for the sub-account in a specific period through the limit unit.

This author creates a mobile payment sub-account system, which also includes a payment review unit installed in the bank host, the payment review unit receives the mobile payment quota information set in the limit unit, the payment review unit is connected to the sub-account signal, And review the payment information of the sub-account using mobile payment service.

This invention creates a mobile payment sub-account system, in which the payment verification unit notifies the user of the main account and receives confirmation notification from the user of the main account when reviewing the payment data of the sub-account using the mobile payment service.

This invention creates a mobile payment sub-account system, wherein the user of the master account can immediately suspend the mobile payment service of the sub-account through the payment verification unit.

The effect of this creation is that the sub-account synchronously sends signals to the main account when performing the mobile payment service, so that the main account user can control the sub-account in real time, so that the parent’s financial management of the child can be extended to mobile business, except on weekdays. In addition to teaching children the correct concept of using money, this creation allows parents to immediately know the use of their children's mobile payment, can immediately guide, seize the opportunity to guide their children's financial concepts, and can prevent children from carrying out inappropriate business transactions without consciousness.

1: Mobile payment sub-account system

11: Master account

12: Sub-account

13: Verification unit

14: quota unit

15: Payment review unit

100: main mobile device

200: child mobile device

300: bank host

FIG. 1 is a block diagram illustrating the first preferred embodiment of the authoring mobile payment sub-account system; FIG. 2 is a flowchart illustrating the verification process of the first preferred embodiment; FIG. 3 is a flowchart illustrating the payment review process of the first preferred embodiment; and FIG. 4 is a flowchart illustrating the payment review process of the second preferred embodiment;

The foregoing and other technical contents, features and effects of this creation will be clearly presented in the following detailed description of the preferred embodiment with reference to the drawings.

Before this creation is described in detail, it should be noted that in the following description, similar elements are denoted by the same number.

Referring to FIG. 1, the first preferred embodiment of the creative mobile payment sub-account system 1 includes a main account 11, at least one sub-account 12, a verification unit 13, a limit unit 14, and a payment verification unit 15.

The master account 11 is set on a master mobile device 100 and has a mobile payment function. The mobile payment service is a well-known technology, so it will not be repeated here.

The sub-account 12 is set on a sub-mobile device 200 and has a mobile payment function. The sub-account 12 is connected to the main account 11 and the sub-account 12 sends a signal to the main account 11 synchronously when performing the mobile payment service.

The master account 11 can establish a signal connection agreement with a plurality of sub-accounts 12 to control the money flow of the plurality of sub-accounts 12 in real time. Incidentally, the sub-account 12 can also be in signal connection with the majority of the master accounts 11, which means that the majority of the master accounts 11 jointly control the sub-account 12. In addition, the master account 11 can also be controlled by the master account 11 of another system at the same time as the sub-account 12 of another system, which means that the author can be used to form a multi-level master account 11 and sub-account 12 relationship.

In this way, parents’ financial management of their children can be extended to mobile business, in addition to In addition to teaching children the correct concept of using money on weekdays, this creation allows parents to immediately know the use of their children’s mobile payment, can immediately guide, seize the opportunity to guide their children’s financial concept, and can prevent their children from carrying out inappropriate business transactions without conscious.

It is worth noting that, in addition to the above-mentioned parent-child relationship, the user of the sub-account 12 and the user of the master account 11 can also be a contractual relationship, such as employers and employees, owners and contractors, etc., the master account 11 and The sub-account 12 may be a budget for a specific project, such as travel expenses, business expenses, building materials costs, etc., and the party responsible for issuing the money immediately controls the money flow of the sub-account 12.

The verification unit 13 is installed in the bank host 300. The verification unit 13 is used to verify the account opening information of the main account 11, verify the account opening information of the sub-account 12, and the signal connection agreement between the main account 11 and the sub-account 12.

With reference to FIG. 2, when creating the sub-account 12, first select the main account 11 to which the signal connection is to be maintained, and enter the account opening data of the sub-account 12 at the same time, the verification unit 13 notifies the sub-account 12 when opening the account information The user of the main account 11 is waiting to receive the confirmation notification from the user of the main account 11, after the user of the main account 11 returns the confirmation notification, the verification unit 13 completes the verification and the sub-account 12 and the main account 11 Complete the binding to form a signal connection agreement.

It is worth mentioning that the sub-account 12 can be an independent account or a common account with the main account 11, which does not affect the signal connection between the sub-account 12 and the main account 11, when the sub-account 12 is independent When the account is used, the payment is made by the sub-account 12 but there is still a signal connection agreement with the main account 11, and when the sub-account 12 is a common account with the main account 11, the payment is made by the common account and the main account 11 rooms have signal connection agreements.

The limit unit 14 is set in the main mobile device 100, and the user of the main account 11 passes The limit unit 14 sets the mobile payment limit of the sub-account 12, and further illustrates that the user of the master account 11 can set the single mobile payment limit of the sub-account 12 through the limit unit 14 or through the limit unit 14 Set the sub-account 12 action payment limit within a specific period, such as total monthly expenditure and total semester expenditure.

It is worth mentioning that, between the main account 11 and the sub-account 12, the user of the main account 11 can terminate the signal connection agreement at any time, which means that after the main account 11 terminates the signal connection agreement, the sub-account 12 uses the action The payment service is no longer restricted by the main account 11 and the limit unit 14. The aforementioned termination signal connection agreement may be permanently terminated, or may be terminated within a specific period until the primary account 11 returns the signal connection agreement.

The payment review unit 15 is installed in the bank host 300, the payment review unit 15 receives the mobile payment quota information set in the limit unit 14, the payment review unit 15 is connected to the sub-account 12 signal, and approves the sub-account 12 Using the payment information of the mobile payment service, the payment review unit 15 reviews the mobile payment service of the sub-account 12 according to the limit set by the limit unit 14 for a single time or within a specific period.

With reference to FIG. 3, when the sub-account 12 performs a mobile payment service, the payment review unit 15 will receive the payment information of the sub-account 12, and then, the payment review unit 15 is based on the single or Is the amount within a specific period to audit the mobile payment service of the sub-account 12, when the payment amount of the sub-account 12 using the mobile payment service does not exceed the mobile payment amount of the sub-account 12 set by the limit unit 14, the payment The verification unit 15 verifies that the payment passes, and when the amount is exceeded, the verification fails.

In other words, the consumption of the sub-account 12 within the quota does not need to notify the main account 11, Save time for users of this master account 11. For consumption exceeding the limit, in addition to the payment verification unit 15 verifying that the sub-account 12 mobile payment fails, the master account 11 user can also be synchronously notified that the sub-account exceeds the limit.

Referring to FIGS. 1 and 4, the second preferred embodiment of the authoring mobile payment sub-account system 1 is substantially the same as the first preferred embodiment, except that when the sub-account 12 performs a mobile payment service, the payment The verification unit 15 will receive the payment information of the sub-account 12, and then the payment verification unit 15 will review the mobile payment service of the sub-account 12 according to the limit set by the limit unit 14 for a single time or within a specific period. At the same time, the payment review unit 15 will notify the user of the main account 11 when reviewing the payment information of the sub-account 12 using the mobile payment service and wait to receive the confirmation notification from the user of the main account 11 After the user of account 11 returns the confirmation notification, the approval is passed, and the sub-account 12 completes the payment. If the user of the main account 11 immediately suspends the mobile payment service of the sub-account 12 through the payment review unit 15, the review fails. The sub-account 12 will not complete the payment action. This allows the user of the main account 11 to control the money flow of the sub-account 12 in real time, and can double confirm the mobile payment of the sub-account 12 through the limit unit 14 and the user of the main account 11 by sending back a confirmation notice.

It is worth mentioning that this creation can also not set the quota through the limit unit 14, but the payment review unit 15 will notify the master account 11 when reviewing the payment information of the sub-account 12 using the mobile payment service And wait for receiving confirmation notification from the user of the main account 11, after the user of the main account 11 returns the confirmation notification, the approval is passed, the sub-account 12 completes the payment, if the user of the main account 11 passes the payment review unit 15 Immediately suspend the mobile payment service of the sub-account 12, the verification fails, and the sub-account 12 will not complete the payment action.

In summary, the advantages of this creative action payment sub-account system 1 are as follows: point:

1. The user of the sub-account 12 and the user of the main account 11 may have a kinship relationship, such as a parent-child relationship, a spouse relationship, etc., and the party responsible for financial management immediately controls the flow of money in the sub-account 12.

2. Parents’ financial management of their children can be extended to mobile business. In addition to teaching children the correct concept of using money on weekdays, this creation allows parents to immediately know the use of their children’s mobile payments, and can immediately guide and grasp the children’s financial management. Opportunities for ideas, and can prevent children from carrying out inappropriate business transactions without being conscious.

3. The user of the sub-account 12 and the user of the main account 11 can also be a contractual relationship, such as employers and employees, owners and contractors, etc., the main account 11 and the sub-account 12 can be the budget of a specific project For example, travel expenses, business expenses, building materials expenses, etc., the party responsible for the payment of money immediately controls the flow of money in the sub-account 12.

4. The master account 11 can establish a signal connection agreement with most sub-accounts 12 to control the money flow of many sub-accounts 12 in real time. The sub-account 12 can also be connected to a signal with most of the main accounts 11. In addition, the master account 11 can also be controlled by the master account 11 of another system at the same time as the sub-account 12 of another system.

5. The user of the main account 11 can terminate the signal connection agreement at any time between the main account 11 and the sub-account 12, meaning that the sub-account 12 is not restricted by the main account 11 and the limit unit 14 when using mobile payment services The aforementioned signal connection agreement may be permanently terminated or terminated within a specific period until the master account 11 replies to the signal connection agreement.

6. The sub-account 12 can be an independent account or a joint account with the main account 11 Account, does not affect the signal connection between the sub-account 12 and the main account 11, when the sub-account 12 is a separate account, the money is paid by the sub-account 12 but still has a signal connection with the main account 11, and When the sub-account 12 is a common account with the main account 11, the money is paid by the common account and there is a signal connection with the main account 11.

However, the above are only the preferred embodiments of this creation, but the scope of the implementation of this creation cannot be limited by this, that is, any simple equivalent changes and modifications made in accordance with the scope of the patent application for the creation and the description of the invention are all Still within the scope of this creative patent.

1: Mobile payment sub-account system

11: Master account

12: Sub-account

13: Verification unit

14: quota unit

15: Payment review unit

100: main mobile device

200: child mobile device

300: bank host

Claims (10)

A mobile payment sub-account system includes: a main account with a mobile payment function, the main account is set on a main mobile device; and at least one sub-account with a mobile payment function, the sub account is set on a sub-mobile device, the The sub-account is connected to the signal of the main account, and the main account is controlled by the main account of the other system at the same time as the sub-account of another system, forming a multi-level relationship between the main account and the sub-account; the sub-account is independent The account or the main account is a joint account. When the sub-account is an independent account, the payment is made by the sub-account but there is still a signal connection agreement with the main account, and when the sub-account is the common account When the account is used, the payment is made by the common account and there is a signal connection agreement with the main account; when the sub-account performs mobile payment services, the signal is sent to the main account synchronously, and the sub-account's consumption within the set limit does not need to notify the Master account. According to the mobile payment sub-account system described in item 1 of the patent application scope, it also includes a verification unit installed on the bank's host, the verification unit verifies the main account opening information, verifies the sub-account opening information, the main account and the Signal connection agreement between sub-accounts. According to the mobile payment sub-account system described in item 2 of the patent application scope, the verification unit notifies the master account user and receives confirmation notification from the master account user when verifying the sub-account account opening data. The mobile payment sub-account system described in item 1 of the patent application scope further includes a limit unit provided in the main mobile device, and the main account user sets the sub-account mobile payment limit through the limit unit. According to the mobile payment sub-account system described in item 4 of the patent application scope, wherein the master account user sets a single mobile payment limit for the sub-account through the limit unit. According to the mobile payment sub-account system described in item 4 of the patent application scope, wherein the master account user sets the mobile payment limit for the sub-account in a specific period through the limit unit. The mobile payment sub-account system described in item 4 of the patent application scope also includes a payment review unit installed in the bank host, the payment review unit receives the mobile payment quota information set in the limit unit, and the payment review unit Connect with the sub-account signal and review the payment information of the sub-account using mobile payment service. According to the mobile payment sub-account system described in item 7 of the patent application scope, when the payment amount of the sub-account using the mobile payment service does not exceed the mobile payment amount of the sub-account set by the limit unit, the payment review unit reviews The payment was passed, and when it exceeded the limit, the review failed. The mobile payment sub-account system described in item 1 of the scope of the patent application also includes a payment review unit installed on the bank’s host. The payment review unit notifies the sub-account when using the mobile payment service’s payment information. Master account user and receive confirmation notification from the master account user. According to the mobile payment sub-account system described in item 7 or 9 of the patent application scope, wherein the main account user can immediately suspend the mobile payment service of the sub-account through the payment review unit.

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