TWI691917B - Support transaction and reconciliation systems for third-party payment services - Google Patents

Abstract

A transaction and reconciliation system supporting third-party payment services, including: a master payment server, at least one slave payment server, a transaction database, and a schedule management module; the slave payment server independently provides third-party payment transaction services, and then the transaction The data is converted into a transaction information file and uploaded to the schedule management module; the schedule management module automatically converts the uploaded transaction information file into the data format of the transaction database according to the default schedule and writes it to the transaction database; the main payment The server provides third-party payment transaction services and reconciliation services, and provides transaction information in the transaction database, as well as reconciliation files and appropriation files provided by third-party payment service providers to the seller in accordance with the reconciliation request made by the seller for Account settlement and business income statistics and other operations. The invention adopts a master-slave architecture, which has the advantages of dispersing the load of the master payment server, saving the construction cost of the transaction database, and realizing fast transactions.

Description

Support transaction and reconciliation systems for third-party payment services

The invention relates to a system supporting third-party payment services, in particular to a transaction and reconciliation system that supports third-party payment integration and reconciliation services and supports third-party payment services.

Third-party payment (Third-Party Payment) refers to a transaction method that establishes a neutral payment platform between the parties to the transaction (buyer and seller) to provide payment collection and payment services for both parties. The transaction process of third-party payment is: after purchasing goods from the seller, the buyer chooses to use the third-party payment service to pay for the payment; the third-party payment service provider first collects the money and notifies the seller of the payment, and the seller ships the goods according to the buyer ; After receiving the confirmation of the goods, the buyer can notify the third-party payment service provider to pay the seller, or pay the collection money to the seller after meeting certain conditions.

For the buyer, the third-party payment is to confirm the receipt of the seller's goods, and then ask the third-party payment provider to pay, which has the advantages of providing transaction guarantee, preventing fraud and reducing consumer disputes. On the other hand, mobile payment using smart phones for payment has become more and more popular. Through mobile payment, payment methods that consumers do not have to use cash or physical payment cards (such as credit cards, financial cards, or stored value cards) can be realized; integration The payment methods of third-party payment and mobile payment have become increasingly popular as they are convenient, fast and have transaction guarantees.

Known e-commerce architecture for implementing third-party payment services, basically including Including: the transaction terminal equipment installed in the seller, such as Point of Sale (POS), and the third-party payment platform built by third-party payment service providers. After the buyer purchases goods and specifies the use of third-party payment services for payment, the seller transmits the transaction data to the corresponding third-party payment platform through the transaction terminal device to perform the payment or appropriation operation. The transaction data will be stored in the transaction database. The seller can obtain all transaction data, reconciliation data and appropriation/payment data from the third-party payment service provider in a regular or irregular manner through the agreement with the third-party payment service provider. For the seller to perform operations such as account settlement and business income statistics. However, under the known e-commerce architecture of third-party payment services, there are the following problems.

The third-party payment platform is collected and managed. The typical example is to build the third-party payment platform on a single server (master server), and all transaction data is also stored in a database that can be accessed by the server. The seller has In the case of multiple business locations or multiple transaction terminal devices, in the case of multiple transaction terminal devices uploading transaction data to the server host at the same time, it is easy to cause the problem of excessive load on the server host; although it is possible to set up multiple servers The host and load balancer solve the problem of excessive load on a single servo host, but it will also increase the cost of system construction, for example: the system licensing fee for each servo host; on the other hand, if multiple servo hosts simultaneously deal with a single transaction Database access to transaction data will also reduce the performance of the database. Similarly, although a distributed database can solve this problem, it will also increase the construction cost due to the database licensing fee.

The technical problem to be solved by the present invention is to provide a transaction and reconciliation system that can provide third-party payment services and reconciliation services and support third-party payment services. Disperse the load of the main payment server, save the construction cost of the transaction database, and realize the advantages of fast transactions.

An embodiment of a transaction and reconciliation system supporting a third-party payment service according to the present invention includes: a master payment server, at least one slave payment server, a transaction database and a schedule management module; wherein the transaction database is used to store but not Limited to the transaction data and reconciliation data of the third-party payment transaction service; the slave payment server and the schedule management module, the sales end and the third-party payment platform establish the information flow connection through the communication network, according to the third-party payment transaction issued by the sales end Request and transaction data, cooperate with the third-party payment platform to provide third-party payment transaction services, and the slave payment server converts the transaction data into a transaction information file and uploads it to the schedule management module; the main payment server and transaction database, the sales side and The third-party payment platform establishes the connection of the information flow through the communication network. According to the third-party payment transaction request and transaction data sent by the sales end, it cooperates with the third-party payment platform to provide the third-party payment transaction service. The main payment server will transfer the transaction data and the third-party payment The reconciliation data provided by the platform is stored in the transaction database, and the main payment server also includes providing the reconciliation data and the corresponding transaction data in the transaction database to the seller based on the reconciliation request issued by the seller; the schedule management module and the transaction database 2. The slave payment server establishes the connection of information flow through the communication network, and the schedule management module automatically converts the transaction information file uploaded from the slave payment server to the data format of the transaction database according to the preset schedule and writes it into the transaction database.

In an embodiment of the invention, the slave payment server uploads the transaction information file to the schedule management module at a predetermined time.

In an embodiment of the invention, the communication network includes: internet, local area network, intranet, intranet, extranet, mobile network Any one or combination of other communication networks that can provide information transmission services.

In an embodiment of the present invention, the embodiments of the master payment server and the slave payment server include, but are not limited to, a server, a computer (Personal Computer, PC), or other computers that can run computer programs and can be connected to a communication network Any of the equipment.

In an embodiment of the present invention, the master payment server and the slave payment server include application program interfaces for data exchange with the seller, the sales end, and the third payment platform.

The present invention adopts a master-slave architecture. For sellers with multiple business premises scattered in different geographical areas, subordinate payment servers can be built in different business premises to provide third-party payment servers, while the main or a certain business The main payment server and transaction database are built in the premises to provide third-party payment services and reconciliation services. Because there is no need to build a transaction database in multiple business premises, it can save the cost of building a transaction database. The transaction data generated when multiple business premises perform third-party payment services at the same time is first converted into a transaction information file and then Time is uploaded to the scheduling management module, the transaction process does not require access to the transaction database, which can reduce the waiting time and improve the operation efficiency of the subordinate payment server. It has the load of distributing the main payment server and the realization of fast transactions. advantage.

The details of other functions and embodiments of the present invention will be described below in conjunction with the drawings.

10‧‧‧Main payment server

20‧‧‧Subordinate payment server

30‧‧‧ Transaction database

40‧‧‧ Schedule management module

50‧‧‧Third party payment platform

60‧‧‧Sales

70‧‧‧Consumer

F1‧‧‧ Transaction information file

Figure 1 is a system architecture diagram of an embodiment of the present invention.

FIG. 2 is an operation flowchart of the present invention, showing an operation flow of performing a third-party payment service through the main payment server.

Fig. 3 is an operation flowchart of the present invention, showing an operation flow of performing a third-party payment service through a subordinate payment server.

FIG. 4 is a flowchart of the operation of the present invention, showing the operation flow of the schedule management module converting the transaction information file into the data format of the transaction database and then writing it into the transaction database.

Fig. 5 is an operation flowchart of the present invention, showing an operation flow of a reconciliation service for third-party payment.

First, please refer to FIG. 1, which is a system architecture diagram of an embodiment of a transaction and reconciliation system supporting third-party payment services of the present invention. The present invention supports an embodiment of a third-party payment service transaction and reconciliation system, including: a master payment server 10, at least one slave payment server 20, a transaction database 30, and a schedule management module 40. The transaction and reconciliation system supporting the third-party payment service of the present invention can basically be connected to the third-party payment platform 50 built by the third-party payment service provider through the communication network. For sellers with multiple business premises, the seller can Different business premises establish subordinate payment servers 20 to provide third-party payment servers, and a master payment server 10 is installed at the main or a certain business premises to provide third-party payment services and reconciliation services. The sales terminal 60 built by the seller can be connected to the master payment server 10 and the slave payment server 20 through the communication network. After the consumer 70 purchases the goods at the sales terminal 60, the third-party payment service can be completed through the system of the present invention. Payment; on the other hand, the seller can also send The clear system performs reconciliation operations for third-party payments.

According to a specific embodiment of the present invention, the sales terminal 60 includes, but is not limited to: a transaction device such as a POS terminal device, a cash register, or an online store that is built or provided by the seller and can be used for third-party payment Any one or a combination thereof.

The embodiments of the master payment server 10 and the slave payment server 20 include, but are not limited to, a server, a gateway server, a computer (Personal Computer, PC), or other computer programs that can run computer programs and communicate with a communication network Any one of the connected computer equipment.

In an embodiment of the invention, the communication network includes: internet, local area network, intranet, intranet, extranet, mobile network Any one or combination of other communication networks that can provide information transmission services.

The transaction database 30 is used to store transaction data and reconciliation data including but not limited to third-party payment transaction services, where reconciliation data includes but not limited to reconciliation files and appropriation files, basically the aforementioned reconciliation files and appropriations The file is provided by the third-party payment platform 50, and the reconciliation data includes but is not limited to the reconciliation file and the appropriation file.

The slave payment server 20 mainly provides third-party payment services. The slave payment server 20 and the schedule management module 40, the sales terminal 60 and the third-party payment platform establish an information flow connection through the communication network, according to the third-party payment issued by the sales terminal 60 Transaction request and transaction data, in cooperation with the third-party payment platform 50 to provide third-party payment transaction services, the slave payment server 20 converts the transaction data into a transaction information file F1 and uploads it to the schedule management module 40; preferably, the slave payment server 20 is to upload the transaction information file F1 to the schedule management module at a predetermined time 40, for example, uploading the transaction information file F1 generated by the previous day's transaction to the schedule management module 40 at a predetermined time every day, wherein the transaction information file F1 can be transmitted through, for example, but not limited to, file transfer protocol, web Road secure transmission protocol (secure sockets layer, SSL) for transmission. Because there is no need to build the transaction database 30 in multiple business premises, the construction cost of the transaction database 30 can be saved. The transaction data generated when multiple business premises perform the third-party payment service at the same time is converted into a transaction information file F1 and then Uploaded to the schedule management module 40 at a predetermined time, the transaction process does not require access to the transaction database 30, which can reduce the waiting time and improve the operation efficiency of the slave payment server 20. Load, and the advantages of enabling fast transactions.

The main payment server 10 mainly provides third-party payment services and reconciliation services. The main payment server 10 and the transaction database 30, the sales terminal 60 and the third-party payment platform 50 establish the connection of information flow through the communication network, according to the The third-party payment transaction request and transaction data cooperate with the third-party payment platform 50 to provide a third-party payment transaction service. The main payment server 10 stores the transaction data and the reconciliation data provided by the third-party payment platform 50 in the transaction database 30. In terms of reconciliation services, the main payment server 10 provides the corresponding transaction information and reconciliation information in the transaction database 30 to the seller according to the reconciliation request sent by the seller. One specific implementation method is that the seller uses the background of the sales terminal 60 Management systems, such as any or all of the seller's point-of-sale information management system, sales management system, and accounting system, issue a reconciliation request to the main payment server 10 of the system of the present invention.

The schedule management module 40 and the transaction database 30 and the slave payment server 20 establish a connection of information flow through the communication network, and the schedule management module 40 automatically uploads the transaction information file F1 uploaded by the slave payment server 20 according to the preset schedule Convert to the data format of transaction database 30 and write Into the transaction database 30. Preferably, the implementation of the scheduling management module 40 is implemented by a computer program. The scheduling management module 40 may be a computer program running in an independent computer device. In another embodiment, the scheduling The management module 40 can be installed on the same computer device as the database management system responsible for managing the transaction database 30, which can obtain better data processing performance.

In an embodiment of the invention, the master payment server 10 and the slave payment server 20 include an application programming interface (API) to exchange data with the seller, the sales terminal 60, and the third payment platform 50, For example, the background management system of the sales terminal 60 can conveniently exchange data with the master payment server 10 and the slave payment server 20 through the application program interface included in the system of the present invention.

Please refer to Figures 2~5, which are the operation flow charts of the system of the present invention. The following describes the operation flow of the third-party payment service and uploading the transaction information file to the schedule management module through the system of the invention And reconciliation process.

Since consumers may purchase commodities at the business premises where the master payment server 10 is installed or the slave payment server 20 is installed, the following are for the consumers who operate the business with the master payment server 10 and the slave payment server 20 respectively The situation of the purchase of goods on the premises explains the operation process of the third-party payment service.

(1) Please refer to Figure 2. The consumer purchases goods at the business premises where the main payment server 10 is installed, and the process of selecting third-party payment includes: (2-1) The consumer purchases the product sold by the seller For commodities, consumers select the payment method of third-party payment through the sales-end transaction equipment such as POS terminal devices; (2-2) The sales-end 60 transaction equipment transfers third-party payment transaction requests and transaction funds The data is sent to the main payment server 10; (2-2-1) The main payment server 10 first stores the transaction data in the transaction database 30; (2-3) The main payment server 10 sends the transaction data to the third-party payment platform 50, And instruct the third-party payment platform 50 to perform the operation of the third-party payment business (for example, appropriation to the seller); (2-4) the third-party payment platform 50 returns the transaction result and related transaction data to the main payment server 10; (2- 4-1) The main payment server 10 stores the transaction result in the transaction database 30; (2-5) The main payment server 10 returns the transaction result to the transaction device of the sales end 60; (2-6) The transaction at the sales end 60 The device informs the consumer of the transaction result.

(2) Please refer to FIG. 3, the consumer purchases goods at the business premises where the subordinate payment server 20 is installed, and the operation flow for selecting third-party payment includes: (3-1) The consumer purchases the goods sold by the seller The consumer selects the third-party payment payment method through the sales-end transaction equipment such as a POS terminal device; (3-2) The sales-end 60 transaction equipment sends the third-party payment transaction request and transaction data to the subordinate payment server 20; (3- 3) The subordinate payment server 20 sends the transaction information to the third-party payment platform 50, and instructs the third-party payment platform 50 to perform the operation of the third-party payment business (for example, appropriation to the seller); (3-4) the third-party payment platform 50 transfers the transaction Results and related transaction data return To the slave payment server 20; (3-4-1) The slave payment server 20 converts the transaction data into a transaction information file F1, and then uploads the transaction information file F1 to the schedule management module 40 at a predetermined time, preferably, The transaction information file F1 also contains the transaction result of this time; (3-5) the slave payment server 20 transmits the transaction result back to the transaction device of the sales end 60; (3-6) the transaction device of the sales end 60 notifies the transaction result consumer.

Please refer to FIG. 4, the schedule management module 40 converts the transaction information file F1 into the data format of the transaction database 30 and then writes to the transaction database 30. The operation flow includes: (4-1) The schedule management module 40 is based on The preset schedule automatically reads the transaction information file F1 uploaded by the slave payment server 20; (4-2) The schedule management module 40 converts the obtained transaction information file F1 into the data format of the transaction database 30; (4 -3) Write the converted transaction information file F1 into the transaction database 30.

Please refer to FIG. 5, the operation flow of the reconciliation service for third-party payment includes: (5-1) the seller sends a reconciliation request to the main payment server 10 through the background management system of the sales terminal 60; (5-2) the main The payment server 10 obtains the corresponding transaction information from the transaction database 30 according to the reconciliation request; (5-3) The main payment server 10 requests the reconciliation information from the third-party payment platform 50 according to the reconciliation request; (5-4) The third-party payment platform 50 returns the reconciliation data to the main payment server 10; (5-4-1) The main payment server 10 stores the reconciliation data in the transaction database 30; (5-5) The main The payment server 10 returns the obtained transaction data and reconciliation data to the seller, to assist the seller to compare the accounting data, and then to perform daily settlement and settlement according to the needs of the seller, calculation of operating income and accounting information output.

10‧‧‧Main payment server

20‧‧‧Subordinate payment server

30‧‧‧ Transaction database

40‧‧‧ Schedule management module

50‧‧‧Third party payment platform

60‧‧‧Sales

70‧‧‧Consumer

F1‧‧‧ Transaction information file

Claims (8)

A transaction and reconciliation system supporting third-party payment services to implement third-party payment operations and reconciliation operations between the seller’s sales end and a third-party payment platform, including: a main payment server installed in the first business premises , At least one subordinate payment server, transaction database and scheduling management module installed in the second business premises; the transaction database is used to store transaction data and reconciliation data related to third-party payment transaction services; the subordinate payment server and The scheduling management module, the sales end and the third-party payment platform establish an information flow connection through a communication network, and the subordinate payment server sends the transaction data according to the third-party payment transaction request and transaction data sent by the sales end To the third-party payment platform to instruct the third-party payment platform to perform third-party payment transaction services, the slave payment server also includes converting the transaction data into a transaction information file and uploading it to the scheduling management module; the master payment server and The transaction database, the sales terminal, and the third-party payment platform establish an information flow connection through the communication network, and first store the transaction data in the transaction database based on the third-party payment transaction request and transaction data sent by the sales terminal , And then send the transaction information to the third-party payment platform to instruct the third-party payment platform to perform the transaction service of third-party payment. The main payment server also includes requesting the third-party payment platform to obtain a pair according to the reconciliation request issued by the sales terminal. Accounting data, and then store the reconciliation data in the transaction database, and provide the corresponding transaction data and reconciliation data in the transaction database to the sales end; the scheduling management module and the transaction database, the The slave payment server establishes an information flow connection through the communication network, and the schedule management module automatically converts the transaction information file uploaded by the slave payment server to the data format of the transaction database according to the preset schedule and then writes The due Easy database. According to the transaction and reconciliation system supporting the third-party payment service described in claim 1, the slave payment server uploads the transaction information file to the schedule management module at a predetermined time. The transaction and reconciliation system supporting the third-party payment service as described in claim 1, the communication network includes: internet, local area network, intranet, external network (extranet), mobile communication network (mobile network), and any other communication network that can provide information transmission services, or any combination thereof. The transaction and reconciliation system supporting the third-party payment service as described in claim 1, the master payment server and the slave payment server include servers, computers, and other computer equipment that can run computer programs and can be connected to the communication network. Of any kind. According to the transaction and reconciliation system supporting the third-party payment service described in claim 1, the transaction information file is transmitted through any one of a file transmission protocol and a network security transmission protocol. According to the transaction and reconciliation system supporting the third-party payment service as described in claim 1, the master payment server and the slave payment server include application program interfaces to communicate with the seller, the sales end and the third payment platform exchange. According to the transaction and reconciliation system supporting the third-party payment service described in claim 1, the main payment server includes receiving the transaction result returned by the third-party payment platform, and then storing the transaction result in the transaction database, and storing The transaction result is passed back to the sales end. The transaction and reconciliation system supporting the third-party payment service as described in claim 1, the slave payment server includes receiving the transaction result returned by the third-party payment platform, and transmitting the transaction result to the sales end, where upload The transaction information file to the schedule management module contains the transaction result.

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